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. Soft-pull pre-qual.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
Soft-pull pre-qual · 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.
Bobby's Take
Bobby's Playbook for Physical Therapy
Most physical therapy practice owners are evaluated by banks the same way a retail shop is — top-line revenue, profit margin, two years of returns. What banks miss is that per-visit reimbursement across 80 visits per day per location plus net-30 to net-90 insurance receivables generates predictable cash flow that doesn't show up in P&L the way bankers expect. The specialists who fund PT practices know to read your visits-per-clinician metric and aging insurance receivables. Here's how to position your transaction so the right lenders see it first.
Three things determine whether a physical therapy transaction closes: visits per provider per day, payer mix and average reimbursement per visit, and your treatment-room utilization rate. Not your personal FICO. Not your years in practice. Specialist PT lenders care about whether your monthly visit revenue supports a $2,000-$4,000/month payment — and whether your throughput per treatment room and provider supports the projected post-expansion volume.
The biggest mistake PT operators make: applying without separating commercial insurance, Medicare, workers' comp, and cash-pay revenue. The lender sees blended A/R aging and underwrites to the slowest payer. The fix: produce a payer-mix breakdown with average days-to-payment per payer. Specialist PT lenders price commercial and workers' comp revenue much faster than the headline aging suggests. Generalist lenders apply blanket aging and underwrite conservatively.
visit revenue lost waiting on credentialing
Where this gets interesting at scale: a PT practice adding a treatment room, hiring a PT or PTA, or expanding to a second location doesn't need ONE loan. They need equipment financing for treatment-table and modality equipment + a working capital line for credentialing-period payroll + a revenue-based term loan against existing visit revenue to cover a second-location buildout. Three products, three lenders, one application — that's how single-clinic PT practices scale into multi-location regional brands.
The PT operators who scale fastest aren't the ones who waited for credentialing to align perfectly. They're the ones who had clinic space and equipment ready when a referring physician group asked for a PT location nearer their practice. Every quarter you delay opening the next clinic is $40,000-$90,000 in monthly visit revenue going to competing PT brands. Run the numbers in 60 seconds — see what 70+ specialist lenders will offer your physical therapy practice this week.
Bottom line:
PT practices get underwritten on the slowest payer when commercial and workers' comp pay much faster than the headline aging. Show payer-mix days-to-payment — that's the actual collection pattern specialists price first.
Bobby Friel
Founder, Basecamp Funding
What You're Up Against
The Real Challenges Physical Therapys Face
Pricing Transparency
What Physical Therapy Funding Actually Costs
Rates and terms depend on credit, revenue, time in business, and lender. Every business is unique — see what 70+ lenders will offer you in 60 seconds. Soft-pull pre-qual.
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
Founder, Basecamp Funding
How It Works
From Application to Funded in 5 Steps
No paperwork avalanche. No bank lobby. No guessing.
60-Second Intake
Tell us about your practice, specialty, and monthly receipts. No HIPAA-sensitive uploads.
Soft Credit Screen
We screen options with no impact on personal FICO or practice commercial credit.
Healthcare-Specialty Lenders Compete
70+ lenders who fund dentists, primary care, vets, and specialty practices review your file in parallel.
One Specialist, Multiple Term Sheets
Your funding specialist walks through equipment finance, working capital, and SBA structures with full transparency.
Choose Your Offer, Sign, Get Funded
E-signature. Capital lands in time to install equipment, hire staff, or cover the insurance reimbursement gap.
Physical Therapy Capital Uses
What Physical Therapy Businesses Use Funding For
Practice Acquisition
Buy an existing practice. Dental, medical, vet, chiropractic. Term loans + equipment financing + working capital stacked. Revenue-based underwriting through 70+ specialty lenders.
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
Insurance reimbursement runs 30-60 days behind the procedure. The practices that grow steadily are the ones that pre-qualified BEFORE they needed to bridge the gap. By the time payroll is tight or the imaging machine is past warranty, underwriting is harder. Pre-qualify when the schedule is full — that's when lenders are most generous.
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
Soft-pull pre-qual · 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 $20M+
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 Watching Reimbursement Lag Drain Your Reserves. Get Your Physical Therapy Practice Funded Today.
60 seconds. Soft-pull pre-qual. No obligation.
See What You Qualify For →Soft-pull pre-qual · Free to check · Nationwide