Industry Qualification
Physical Therapy Practices fall under an eligible industry classification (Offices of Physical, Occupational and Speech Therapists). Therapy practices depend on insurance reimbursements and visit volume, and the review reads how those combine in the business account.
✓ Checking what a physical therapy practice qualifies for does not affect your credit score.
PT, OT and speech practices bill insurers per visit, collect copays and cash-pay sessions, and some receive workers' compensation and personal-injury payments.
Funding is usually used for therapy equipment, a new clinic location, therapist hiring, or carrying payroll while claims are processed.
Insurance remits arrive in batches; averaging about a tenth of monthly revenue in the balance shows payroll is covered between them. ADB explained →
Practices open three or more years are strongest, and newer clinics with growing referral volume are funded regularly. Time tiers →
Therapist payroll before reimbursements can cause negative days — staying under 3 a month keeps the file clean. Exact limits →
An existing equipment advance is reviewed with the file. Refinance options →
Visit volume follows referrals from physicians and surgeons and often dips around holidays, while January deductible resets slow collections early in the year.
Therapist and aide payroll, rent, billing services and equipment are steady costs, and workers' comp claims can take months to pay.
Treatment tables, parallel bars, cardio and modalities.
Buildout and equipment for a satellite clinic.
Covering salary while a new therapist builds a caseload.
Payroll while insurance and workers' comp remits are pending.
Building relationships with physicians and surgeons.
A PT practice with a growing post-surgical caseload wants to open a satellite clinic near an orthopedic group.
Its statements show about $88,000 a month in deposits and an average daily balance near $9,200 — roughly 10% of monthly revenue, right around the 10% benchmark.
A request of $55,000 on a line of credit is about 62% of one month's deposits for this physical therapy practice, which keeps the payment proportionate to what comes in.
Illustrative figures for a sample physical therapy practice, not an offer; real amounts, terms and cost depend on the full file.
Gather recent business bank statements; insurance remits and cash-pay deposits show true collections.
Reimbursement rhythm, years treating patients and current positions inform the review, beside credit.
Before you sign, the amount, term and total cost are in front of you, so payments can be checked against a slow January.
Signed agreements usually fund the next business day.
Yes. Insurance remits deposited to the business account are part of the revenue history that is reviewed.
Collections set the amount, from $10,000 to $350,000 on a line or $10,000 to $250,000 on a term loan.
Payments that land in the business account count as part of the deposit history.
Yes. Equipment financed with an earlier advance is considered in the review.
No. Eligibility checks do not change the score, and practices get a same-day answer.
A satellite clinic or a new therapist — PT practices hear back the same day, and the check does not affect credit.
