Physical Therapy Practice Funding

Working capital for PT and rehab clinics — bridge slow insurance reimbursements, add equipment, staff up, or buy a practice. Approved on your deposits, not your credit score.

The cash-flow problem every PT clinic knows

You treat the patient today. You bill the insurer today. But you get paid in 30, 60, sometimes 90 days — and that's if the claim isn't denied and sent back for a corrected code. Meanwhile payroll for your PTs, PTAs, and front desk hits every two weeks like clockwork, rent is due on the first, and your continuing-education and equipment vendors don't wait for Aetna to cut a check.

That gap between service and reimbursement is the single biggest reason healthy, growing rehab practices run short on cash. It's not a profitability problem — it's a timing problem. Quick Biz Capital funding is built to close that gap so your clinic never has to slow down its schedule because the money hasn't landed yet.

What PT and rehab clinics use funding for

• Insurance-reimbursement gaps — cover payroll and rent while 30–90 day claims are still in the pipeline.
• Equipment — treatment tables, ultrasound and e-stim units, traction, dry-needling supplies, a new modality room, or a shockwave/laser device that opens up cash-pay services.
• Buildout and expansion — a second treatment room, a bigger gym floor, a second location, or leasehold improvements at a new suite.
• Payroll and hiring — bring on another licensed PT or PTA before the caseload justifies it, and cover them until their billings catch up.
• Buying a practice — down payment or working-capital cushion to acquire a retiring therapist's clinic and its patient base.
• Billing and EMR — a new practice-management or documentation system, or catching up on a billing backlog with a temp coding contractor.

A real dollar example

Say your clinic collects around $90,000 a month across insurance reimbursements and cash-pay visits, but you're carrying roughly $60,000 in claims that won't pay out for another 45–60 days. You want to hire a second PTA now because your wait list is three weeks out and you're turning away referrals.

You could qualify for something in the range of $75,000 in working capital. That covers the new hire's ramp-up, a set of treatment tables and an e-stim unit for the expanded room, and gives you a buffer so a slow reimbursement week never threatens payroll. As the new therapist's billings and the pending claims come in, the revenue you unlocked pays the funding back. You grew the practice instead of waiting on it.

Your actual amount and terms depend on your real deposits and statements — this is an illustration, not a quote.

Why clinics choose Quick Biz Capital

• We understand reimbursement cycles. Lumpy, delayed insurance deposits don't scare us the way they scare a traditional bank — they're exactly the situation this funding is for.
• Minimum $10,000, up to $5M. Enough for a single piece of equipment or an entire second location.
• Simple paperwork. Usually just a few months of business bank statements to get started — no tax returns or business plan required to see an offer.
• Every specialty. Outpatient ortho, sports rehab, pediatric, neuro, hand therapy, aquatic, multi-disciplinary clinics — if it's a rehab practice, we can fund it.

Straight answers

Can I qualify if my reimbursements are slow and irregular?

Yes. Uneven insurance deposits are the norm in this industry and we underwrite with that in mind. We're looking at the total flow of money through your account over recent months, not week-to-week smoothness.

Will checking hurt my credit score?

No. We use a soft pull to check your options, which has no effect on your credit. A FICO of 500 or higher is workable, because approval is driven by your business deposits.

How fast can I actually get the money?

If you get us your bank statements and signed agreement before early afternoon ET on a weekday, funding can arrive the same day. Deals wrapped up on a Friday generally fund the following Monday.

Do I need to put up my equipment or property as collateral?

Not for working capital. There's no collateral requirement to use the funds for payroll, reimbursement gaps, hiring, or day-to-day needs.

What's the smallest amount I can get?

The minimum is $10,000, and funding runs up to $5M depending on what your deposits support.

Can I use it to buy another PT practice?

Yes. Clinics use this funding for the down payment and the working-capital cushion needed to take over a retiring therapist's practice and keep it running smoothly through the transition.

How do I start?

Apply online in a few minutes and send a few months of business bank statements. You'll see what your clinic qualifies for with no obligation and no hit to your credit.