Why a physical therapy clinic seeks financing
Physical therapy clinics often face long payment cycles from insurers while managing steady payroll and equipment costs. This cash flow gap drives many owners to seek capital for expansion, upgrading gear, or covering operational expenses between reimbursements.
We are a broker, not a lender, so we match that need to a lender that understands the industry instead of forcing one product.
Common uses of capital
Business-purpose funding a physical therapy clinic might use for:
- Purchase new rehab and modality equipment
- Expand clinic space or open additional locations
- Bridge payment delays from insurance reimbursements
- Fund marketing for patient acquisition and referrals
- Hire and train additional licensed therapists
Products that tend to fit
Depending on the situation, that can be a term loan, a line of credit, equipment financing, an SBA loan or invoice factoring.
Equipment Financing
Equipment financing funds trucks, machinery, kitchen gear and other hard assets, usually with the equipment itself as collateral.
SBA Loans
SBA loans are bank loans partially guaranteed by the U.S. Small Business Administration, often used for larger or longer-term needs.
Business Line of Credit
A business line of credit is a revolving limit a business can draw on, repay and draw again as working capital needs move.
Honest about terms
Rates and terms for a physical therapy clinic are set by the lender and depend on revenue, time in business and credit. We do not promise a rate, an amount or approval, and we label any sample figure as an estimate.
Marketing, tech and calls too
Beyond financing, Sugar Land HQ helps a physical therapy clinic grow with SEO, lead generation, websites, automation and a call center for outbound and inbound work.