This Is Why You're Here
Why Physical Therapys Come to Us Instead of Their Bank
You're adding an aquatic therapy pool — $80K including installation, filtration, and facility modification. It would differentiate you from every other PT clinic in the area.
You hired a new PT but insurance credentialing takes 90 days. Salary is $7K/month and they can't bill insurance until credentialed. You need 3 months of bridge capital.
Your lease is up and you found a bigger space — 3,000 sq ft with room for 8 treatment bays. Build-out is $55K including flooring, equipment mounts, and a private eval room.
A local hospital just closed their outpatient rehab program and 200 post-surgical patients need a new PT provider. You need $35K for two additional treatment bays and a part-time PTA to absorb the volume before they go to your competitor.
Your AlterG anti-gravity treadmill died and the replacement is $42K. You've got 25 patients with active treatment plans who need that machine this week. Every day without it you're losing $1,200 in billable sessions.
We added an aquatic therapy pool for $80K through Basecamp's equipment financing. It completely differentiated us from every other PT clinic in the area. Revenue jumped $18K a month.
Dr. Brian C., Physical Therapist & Clinic Owner, Denver, CO
Physical Therapy Financing
Get Your Physical Therapy Business Funded in 60 Seconds
Slide the calculator to see your estimated approval range. Then answer 3 quick questions to lock it in. No documents needed. No credit impact.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · No obligation · Estimate only
Built for Your Business
Why Physical Therapy Businesses Choose Basecamp
Specialty Equipment Others Won't Touch
Aquatic therapy pools, anti-gravity treadmills, isokinetic machines — $40K-$100K devices that banks don't understand. We finance them all with the equipment as collateral.
Credentialing Bridge Capital in 24hrs
New PT hires cost $7K a month for 90 days before they can bill insurance. That's $21K in dead salary. We fund the gap so you hire when you need to, not when you can afford to.
Clinic Build-Outs Done Right
Treatment bays, flooring, equipment mounts, private eval rooms — a proper PT clinic build-out runs $40K-$80K. We fund the full build so you open right the first time.
Treatment Plan Revenue Is Predictable
PT patients come 2-3 times a week for 6-12 weeks. That's the most predictable revenue in healthcare. Our lenders love it and approve accordingly.
What You're Up Against
The Real Challenges Physical Therapys Face
Pricing Transparency
What Physical Therapy Funding Actually Costs
Rates vary by credit, revenue, and time in business. These are typical ranges.
These are industry averages. Your actual rate depends on your revenue, credit profile, and time in business — it could be lower. Run your specific numbers in 30 seconds.
Calculate Your Real Cost →Tax Strategy
Section 179 Breakdown for Physical Therapys
Finance the equipment. Keep your cash. Take the deduction. Your aquatic therapy pool costs $72,000 after taxes and you never touched your reserves.
— Bobby Friel, Basecamp Funding - Founder
How It Works
From Application to Funded in 5 Steps
No paperwork avalanche. No bank lobby. No guessing.
60-Second Application
Answer a few quick questions about your business. No documents needed yet.
Soft Credit Check
We check your options with zero impact on your FICO. Your score stays untouched.
Lenders Compete Behind the Scenes
Your profile is matched to 70+ lending partners. They compete - you never hear from them directly.
One Specialist, Multiple Offers
Your funding specialist presents your best options. No spam calls. No runaround.
Pick Your Offer & Get Funded
Choose the rate and terms that fit. Sign digitally. Funds hit your account - same day available.
Physical Therapy Capital Uses
What Physical Therapy Businesses Use Funding For
Practice Acquisition
Buy an existing practice. Dental, medical, vet, chiropractic. SBA loans with 10% down available.
Medical Equipment
Lasers, imaging machines, dental chairs, surgical tools. Equipment financing with the device as collateral.
Payroll & Staffing
Cover payroll during reimbursement delays. Hire hygienists, techs, front desk staff. Retain your best people.
Buildout & Renovation
New exam rooms, waiting room remodel, second location buildout. Create the space your patients deserve.
Technology & EHR
Electronic health records, practice management, telehealth platforms, patient portals.
Marketing & Growth
Google Ads, patient acquisition, website redesign, reputation management. Fill your schedule.
Full Transparency
What Kills Your Qualification (And What Doesn't)
Most lenders won't tell you this upfront. We will.
✅ These Won't Stop You
These Can Be Deal-Breakers
Need commercial insurance for your physical therapy business?
Practice insurance — malpractice, general liability, property — is required before most equipment financing closes. InsuranceService365.com covers healthcare practices across 29 states.
Don't Wait Until You Need Funding to Get Funded
68% of loan denials happen because of weak financials at time of application. The best time to apply is when your business is performing — not when you're scrambling.
Ready?
See What Your Physical Therapy Business Qualifies For
Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · No obligation · Estimate only
Other Healthcare Practices Specialties We Fund
Click any specialty for tailored financing options.
Recommended Products
Recommended Funding for Physical Therapy Businesses
Working Capital
Bridge insurance reimbursement delays. Funded in 24 hours.
Learn More →Equipment Financing
Finance imaging, chairs, and medical devices — asset-backed rates.
Learn More →SBA Loans
Practice acquisition, buildout, and expansion at government-backed rates.
Learn More →Business Line of Credit
Revolving access for supplies, staffing, and operational expenses.
Learn More →FAQs
Physical Therapy Business Loan FAQs
Physical Therapy Practice Loans & PT Clinic Financing — $10K to $5M+
PT has a unique cash flow problem — insurance credentialing. You hire a therapist at $7K a month. They can't bill insurance for 60-90 days. That's $21K in salary before you see a dime back. And you can't not hire them because you've got patients stacking up and treatment plans that need continuity. It's a catch-22 that banks don't understand.
We get it. A $21K bridge loan to cover credentialing isn't a risk — it's an investment in a provider who'll generate $12K-$15K a month once they're paneled. And if you're looking at bigger moves — an $80K aquatic therapy pool, a $55K clinic build-out, modality systems at $40K — we finance all of it. A PT clinic in Denver added aquatic therapy through us. $80K total. Added $18K a month in revenue. Paid for itself in under 5 months. Fill out the app.
Stop Waiting on Banks. Get Your Physical Therapy Business Funded Today.
60 seconds. No credit impact. No obligation.
See What You Qualify For →No hard credit pull · Free to check · Nationwide