Cover payroll, staffing and growth while insurance reimbursements catch up. Five-minute application, soft credit pull to start.
Check My OptionsPhysical Therapy Working Capital
Payers settle on their own schedule. Your therapists, rent and software do not wait. Working capital bridges the timing so you can keep treating patients without scrambling.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
A 5-minute application and about three months of bank statements. Funding in as little as 24 hours for qualified practices.
FICO 500+ is considered. We weigh your reimbursement deposits and patient volume alongside your score.
Your offer shows the full repayment amount before you accept, with no surprise costs added after you sign.
The schedule is laid out in the offer, so you can plan it against your payroll and payer timing.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
A physical therapy clinic can have every table booked and still feel tight on cash. Visits get billed to commercial payers, Medicare, workers' comp carriers and auto insurers, and each one pays on its own clock. Meanwhile payroll for therapists, assistants and front desk staff lands every two weeks whether claims have cleared or not.
Working capital fills that gap. It is money you can put toward the costs of running the practice while the receivables you have already earned make their way back to your account.
If payroll is the main pressure point, our physical therapy payroll funding page goes deeper.
We focus on the deposits that hit your business bank account. About three months of statements show us how reimbursements flow in, how steady your patient volume is, and what you already owe. FICO scores from 500 are considered, and we start with a soft credit pull so checking your options does not ding your score.
No tax returns are required, and sole proprietors can apply. The amount offered depends mainly on your deposits and any existing obligations.
Ready to see what your clinic qualifies for? Start your application.
Yes, that is a common situation. We review the deposits that land in your account from payers and patients, so steady reimbursement deposits help show the practice's capacity.
Funding ranges from $25,000 to $5,000,000. Where your practice lands depends mainly on your monthly deposits and the obligations you already carry.
No tax returns are required. About three months of business bank statements and the short application are usually enough to start.
We start with a soft credit pull, which does not affect your score, so you can see your options before deciding anything.
Not exactly. Working capital is typically a lump sum you repay on a set schedule. A business line of credit lets you draw as needed.
Example uses for illustration only.
A few habits make a therapy practice easier to fund on better footing.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding