Physical Therapy Clinic Financing Nationwide for PT and Rehab Clinics, $10K to $5M
🦿 Financing Built for PT and RehabI’m Kevin Kermeen, a nationwide commercial loan broker, not a bank. Physical therapy clinic financing funds the moment a bank won’t, opening your own PT or rehab clinic, buying an existing one, financing equipment and a gym build-out, or adding a location. Ready to leave the hospital system and run your own clinic? That’s exactly who SBA startup and practice financing is built for. I match you to the lender that funds physical therapists.
Physical Therapy Clinic Financing for Every Stage
Whether you’re opening your first clinic, buying an existing one, or expanding to new locations, there’s a path built for it. Here’s what physical therapy clinic financing commonly covers at every stage.
Clinic Startup and De Novo
Open your own PT or rehab clinic, build-out, equipment, signage and working capital to reach a full schedule. SBA is built for this.
Acquisition and Buy-In
Buy an established clinic or a retiring therapist’s practice. SBA 7(a) underwrites the clinic’s cash flow, often with limited money down.
Rehab Equipment and Gym
Finance treatment tables, modalities, exercise and rehab equipment and the gym fit-out without draining your cash reserves.
Technology and EMR
Fund EMR, scheduling, billing systems and telehealth tools that keep a busy clinic running efficiently.
Build-Out and Relocation
Renovate, expand or relocate. Finance treatment bays, open gym space, flooring and the full clinic fit-out.
Multi-Location and Cash-Pay
Cover payroll and ramp-up, add a second clinic, or fund a cash-pay wellness and performance line of service.
A Therapist Left the Hospital System and Opened Her Own Clinic
A physical therapist with years of hospital experience was ready to open her own clinic, she had the referral relationships and the plan, but the bank wanted years of business ownership history she did not yet have.
They called me. I matched her to an SBA-backed physical therapy clinic loan that weighed her clinical experience, referral plan and credit rather than demanding years of ownership, and wrapped the build-out, rehab equipment and working capital into one package. It funded, the clinic opened, and her schedule filled within months.
That’s what the right match looks like for a physical therapist. Don’t Beg the Bank! Get funded instead.
How I Fund PT and Rehab Clinics, the Right Tool for Each Need
Physical therapy clinic financing isn’t one product. The right structure depends on what you’re doing. I match you to the one that fits, tap any to explore it.
SBA 7(a) Loans
The primary vehicle for opening, buying or expanding a PT clinic, strong terms, often limited money down.
See SBA 7(a)Equipment Financing
Treatment tables, modalities, exercise and rehab equipment, with the equipment itself as collateral.
See equipment financingSBA 504 and Real Estate
Buy the building your practice operates in with long-term, fixed-rate commercial real estate financing.
See SBA 504Startup Funding
Opening de novo with little history? Honest paths for a brand-new PT or rehab clinic.
See startup fundingWorking Capital
Cover payroll, supplies and the ramp-up months before your schedule is fully booked.
See working capitalLine of Credit
Revolving capital for the ups and downs of running a practice, draw only what you need.
See lines of creditQualifying for Physical Therapy Clinic Financing
Physical therapy clinic financing is different from a generic business loan. Lenders know PT clinics are stable, low-overhead and cash-generating, so a therapist with strong credit, clinical experience and a workable plan is a strong borrower, even when opening a first clinic. I qualify deals honestly.
✅ What helps you qualify
- ✔A PT, DPT or OT license and the plan to open or operate a clinic.
- ✔Strong personal credit, the foundation for a new dentist with limited history.
- ✔For acquisition: a practice with solid, documented cash flow.
- ✔A down payment or contribution, which a parent or family member can help with.
💡 Straight talk
- →SBA is built for opening and buying clinics, often with limited money down.
- →For a startup, your clinical experience, referral plan and credit carry the deal.
- →Credit is flexible, there’s no single hard FICO floor; stronger credit means better terms.
- →Student debt alone does not disqualify you; the deal and your credit matter more.
Get Your PT Clinic Financing Options
A quick, no-pressure pre-qualification. I personally review every submission, no call center, no junior rep.
Got it. I’m on it.
Your physical therapy clinic financing request landed in my inbox. I personally review every submission and most responses go out within one business hour.
Watch for a call from me, Kevin Kermeen, I call directly, I don’t text.
Recent Physical Therapy Clinic Financing From My Desk
A snapshot of the physical therapy clinic financing I match to lenders nationwide, clinic by clinic. Every dentist and practice is different, yours starts with a conversation.
Physical Therapy Clinic Financing · SBA
A therapist opened a first clinic, build-out, equipment and working capital funded in one package, underwritten on experience and credit.
Clinic Acquisition
A PT bought a retiring therapist’s established clinic, underwritten on the clinic’s documented cash flow.
Equipment and Gym Expansion
A clinic financed new rehab equipment and a gym build-out to add cash-pay services, preserving working capital.
How I Match Physical Therapy Clinic Financing to the Right Lender
Not every lender understands the PT and rehab model, and the healthcare-focused lenders compete hard for good clinics. I work with many, so I match your physical therapy clinic financing to the lender that funds your stage and your goal, startup, acquisition, equipment, build-out or expansion, and I review the options with you before you commit.
Here’s the reality for a physical therapist. Opening your own clinic is often the single best financial move in your career, but a traditional bank looks backward at years of ownership history you do not have when you are leaving a hospital or group. SBA-backed physical therapy clinic financing works differently: for a startup it weighs your clinical experience, referral plan and credit, and for an acquisition it underwrites the clinic’s own cash flow, which is why a strong therapist can open or buy a clinic frequently with limited money down. PT clinics are attractive to lenders because they run lean, with modest equipment costs and steady, recurring visit revenue. According to the U.S. Small Business Administration, the 7(a) program is designed precisely for this kind of business startup, acquisition and expansion.
The right structure depends on what you’re doing. Buying or starting a practice usually runs through an SBA 7(a) loan, and broader options live across the SBA loan programs. Treatment tables, modalities and rehab and exercise equipment are best matched to equipment financing, where the equipment is the collateral. If you want to own the building, an SBA 504 loan or commercial real estate loan gives long-term, fixed-rate terms. Opening de novo with little history points to startup business funding, and the ramp-up months are covered by working capital loans or a business line of credit.
So tell me where you are, opening your first clinic or expanding a group, and what you’re trying to do. I’ll tell you honestly which physical therapy clinic financing option fits, match you to the lender most likely to approve it, and stay with you through closing. Other healthcare providers, see my healthcare business loans hub, or compare every option on my loan programs page. Don’t Beg the Bank! Get funded instead.
Sources: U.S. Small Business Administration, 7(a) loan program and 504 loan program.
Straight Answers Before You Apply
What is physical therapy clinic financing?
Can I open a PT clinic without owning a business before?
How do I finance buying an existing PT clinic?
Can I finance rehab equipment separately?
How much can I borrow for a PT clinic?
What does it cost to work with you?
A Broker Who Knows Which Lenders Fund PT and Rehab
I’m Kevin Kermeen, the nationwide commercial loan broker behind 75BizLoans.com, not a bank and not a lead-selling portal. PT and rehab lending has its own specialist lenders, and matching you to the right one, for a startup, acquisition, equipment or expansion, is the whole point of working with me. I personally review every application, I call you directly, and I never text. For program details, see the SBA’s 7(a) loan program.
Don’t Beg the Bank!
Get Funded Instead.
Banks hand out umbrellas when the sun is shining, not when you’re weathering the storm … and they’ll tell a therapist leaving the hospital system to wait years. I match you to physical therapy clinic financing built for where you are … open or buy a clinic through SBA, equip it without draining cash, build out the gym, expand to new locations, and get a same-day callback from a broker who reviews every deal himself.
Loan amounts, terms, rates and funding speed shown reflect typical lender programs, not guarantees, and vary by lender, creditworthiness, practice performance, collateral and structure. Physical therapy clinic financing generally ranges from $10,000 to $5 million depending on the need. *Practice acquisition and startup are commonly financed through SBA 7(a); SBA loans follow standard SBA timelines and eligibility, and “no two years of history needed” refers to acquisition loans underwritten on the target practice’s cash flow rather than the borrower’s prior business history. Credit is considered along with other factors; there is no single hard minimum FICO simply to apply, but stronger credit supports better rates and terms, and not all applicants are approved. *No upfront fees refers to fees payable to 75BizLoans.com; I am compensated by the lender at closing. Some partner lenders may require a commitment fee or deposit upon your acceptance of their term sheet; any such fee is the lender’s, is disclosed before you commit, and is separate from any compensation to me. Final eligibility, rate, term and structure are determined by the lender. This is not a commitment to lend. Same-day approvals are common when the application reaches me before 9am Arizona Time.