Industry expertise
Physical Therapy Practice Loans Built Around Insurance Pay Cycles
TrustFi helps physical therapy practices cover treatment equipment, payroll during credentialing gaps, and the cash-flow lag that comes with waiting on insurance reimbursement.
- Applying will not impact your credit score
- Funding decisions in as little as 24 hours
- A dedicated funding specialist, not a call center
- Businesses funded
- 10,000+Businesses funded
- In funding secured
- $500M+In funding secured
- Industries served
- 50+Industries served
Why it's different
Funding built around how physical therapy clinics actually run
Physical therapy practices run on a payment cycle unlike most small businesses. You deliver care today, then wait on Medicare, private insurers, and workers' comp payers to process claims before a dollar of it reaches your account, and prior authorizations or denials can stretch that wait even longer. Meanwhile, treatment tables, e-stim and ultrasound units, and hydrotherapy equipment need regular upkeep or replacement, and a newly hired therapist can sit on the schedule for weeks before insurance credentialing lets their visits actually bill.
TrustFi works with physical therapy clinics to keep cash moving on your terms, not the payer's. Whether you're financing an underwater treadmill for a new treatment room, covering payroll while a new therapist finishes credentialing, or turning outstanding insurance claims into working capital, we structure funding around how a practice actually gets paid. Applications take under 10 minutes, and approved practices can see funding in as little as 24 hours, so a slow reimbursement cycle doesn't have to slow down patient care.
What we hear
The cash-flow pressures you know too well
Insurance reimbursement delays and denials
Medicare, private insurers, and workers' comp payers can take weeks to process claims, and prior authorization requirements or denials stretch that wait further, leaving payroll and rent due long before the revenue for completed visits actually arrives.
Expensive treatment equipment and technology
Treatment tables, e-stim and therapeutic ultrasound units, and hydrotherapy or underwater treadmill systems represent a major capital investment, and outdated or broken equipment can limit the modalities a clinic is able to offer patients.
Credentialing delays for new therapists
A newly hired PT or PTA often can't bill insurance for their visits until credentialing with each payer is complete, a process that can take weeks to months, during which the clinic still covers their salary and benefits.
Seasonal swings in patient volume
Patient visits often climb after New Year's resolutions and during school sports seasons, then slow in summer, and many patients delay care early in the year until their high-deductible health plan resets, creating uneven monthly revenue.
Where the money goes
What physical therapy clinics use funding for
- New treatment tables, e-stim units, and therapeutic ultrasound machines
- Underwater treadmill or hydrotherapy equipment for a clinic buildout
- Bridging cash flow while insurance claims are still processing
- Covering payroll while new therapists complete insurance credentialing
- EMR and practice management software upgrades
- Expanding into a second treatment room or satellite location
Our recommendation
Funding options that fit physical therapy clinics
Based on how businesses in your sector earn and spend, these three structures tend to work best.
- Option 1
Invoice Factoring
Turn outstanding insurance claims into cash instead of waiting out the reimbursement cycle from Medicare, private insurers, or workers' comp payers, so payroll and rent don't have to wait on the payer.
How it works - Option 2
SBA Loans
SBA-backed financing offers lower rates and longer terms, well suited to opening a new location or completing a larger clinic buildout that a practice will pay down over several years.
How it works - Option 3
Business Term Loans
Finance a defined equipment purchase, like a hydrotherapy system or new treatment tables, with a lump sum and fixed monthly payments, so you know exactly what you owe regardless of how reimbursement timing shifts.
How it works
Getting started
Three steps, no runaround
- 1
Tell us your story
Share a few details about your business and what you need the capital for. It takes under 10 minutes and never touches your credit score.
- 2
Review your options
A specialist reviews your file and comes back with clear, side-by-side options — real numbers, plain English, no pressure.
- 3
Fund your future
Pick the option that fits. Once you approve, funds can reach your account in as little as 24 hours.
Client stories
We're proud to be part of their journey.
The success of our clients is our greatest reward — 350+ five-star Google reviews and counting.
TrustFi was fantastic to work with on our business capital funding needs. They were professional, efficient and provided the best customer service experience I've had in this industry. We will continue to partner with TrustFi on our funding needs going forward. Highly recommend!
MMaria O. My experience with Griffin Ferro and his team at TrustFi was fantastic. He was able to get me funding in one day. Griffin's communication was awesome. He made sure I knew what was going on every step of the way. He took the time to make sure I completely understood all the aspects of the transaction.
JJohn Highly recommend and a great experience. Gary had our best interest in mind, with professionalism, dedication and care. They really supported our business needs. Great customer service as well!
TTim F.
What can a physical therapy practice loan be used for?
Physical therapy financing typically covers treatment equipment like tables, e-stim units, and hydrotherapy systems, payroll during a new therapist's insurance credentialing period, clinic buildouts or a second location, and working capital to bridge the gap while insurance claims are still processing.
How fast can a physical therapy clinic get funded?
Applications take under 10 minutes, and TrustFi backs that with a 2-hour response guarantee so you're not left waiting to plan around a decision. Approved clinics can see funding in as little as 24 hours, which helps when equipment breaks or a reimbursement delay is squeezing cash flow.
Do I need strong credit to qualify for practice financing?
Credit is only one part of the picture. TrustFi also looks at your practice's revenue, time in business, and overall cash flow, so clinics with average credit but steady patient volume and consistent insurance billing can still qualify for funding that fits their situation.
Can financing help while I wait on insurance reimbursement?
Yes. Invoice factoring lets you sell outstanding insurance claims for immediate cash instead of waiting out the full reimbursement cycle. You get working capital now to cover payroll and rent while Medicare, private insurers, or workers' comp payers process the claim on their own timeline.
Can I finance equipment like an underwater treadmill or treatment tables?
Yes. Term loans give you a lump sum with a fixed repayment schedule, which works well for a defined equipment purchase like an underwater treadmill, treatment tables, or ultrasound and e-stim units, so you know your payment upfront regardless of how quickly reimbursements come in.
Will applying for financing affect my credit score?
No. Applying does not impact your credit score. TrustFi's process lets you see what your practice qualifies for without a hard credit inquiry, so you can explore financing options for equipment, payroll, or expansion before deciding whether to move forward.
Funding for physical therapy clinics, without the runaround.
Apply in under 10 minutes. A specialist who understands your sector will walk you through the options within two hours.
- Applying will not impact your credit score
- Funding decisions in as little as 24 hours
- A dedicated funding specialist, not a call center
- Transparent terms with no hidden fees