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SBA Loans for Physical Therapy

Reviewed by Malik Samara · Updated May 2026

Manu helps physical therapy owners across the United States get matched with the right lender — fast. Pre-qualify in minutes through Manu's partner application — access a 75+ lender network with real, competitive offers, no hard credit check.

Disclosure: Manu is a loan partner, not a direct lender, and may earn a referral fee on funded loans. This does not change the rate or terms you receive.
$2B+Funded via Our Network
75+Lenders in Our Network
10K+Businesses Funded

How physical therapy businesses use this financing

Common uses of funds:

  • Treatment tables, ultrasound, e-stim, and rehab equipment
  • Build-out and gym/treatment-room expansion
  • Acquisition of competing clinics
  • Working capital for insurance A/R aging 60-120 days

Typical loan size: PT clinic loans typically range from $50K to $400K, with clinic acquisitions reaching $1M+.

Seasonality: Steady year-round with mild summer dip; insurance reimbursement cycles drive cash-flow gaps.

Most common reason for decline: PT clinics are often declined for high A/R aging beyond 90 days or for credentialing/compliance gaps.

Best-fit products for physical therapy: SBA Loans, Lines of Credit, Equipment Financing.

Capital use cases for physical therapy businesses

  • Rehab equipment: A $50K–$250K equipment loan funds treatment tables, ultrasound, e-stim, and rehab gear.
  • Clinic acquisition: PT owners finance up to $1M+ via SBA loans to acquire a competing clinic, repaid over 10 years.
  • Reimbursement bridge: A $50K–$200K line of credit bridges insurance A/R aging 60–120 days so clinicians stay paid.

Funding options for physical therapy businesses

Small Business Loans
$10K–$10M with terms up to 5 years. Funding in 1–3 days. FICO 580+.
SBA Loans
$50K–$5M government-backed financing up to 25 years at Prime + 1–2.75%.
Lines of Credit
$10K–$5M revolving capital with same-day funding. FICO 600+.
Equipment Financing
$10K–$5M to purchase or lease equipment. Up to 5 years. FICO 550+.
Merchant Cash Advance
$10K–$10M against future sales. Same-day funding, no minimum FICO.
A/R & Inventory Financing
Borrow up to 95% of receivables or 85% of inventory value.

Why Physical Therapy owners choose Manu

Same-day to 1–3 day funding
Lines of credit and merchant cash advances can fund the same day. Most physical therapy loans wire in 1–3 business days.
75+ lenders, one application
Apply once through Manu's partner application — your file is shopped across a 75+ lender network so physical therapy owners get the best terms available.
Soft credit check only
Pre-qualifying takes about 3 minutes and won't affect your credit score. Just basic business details and your recent bank statements.
Lower credit accepted
Equipment financing accepts FICO 550+. Merchant cash advances and A/R financing have no minimum FICO when revenue is strong.

How physical therapy business loans work with Manu

1
Apply in 3 minutes
Tell us about your physical therapy business and share your recent bank statements to pre-qualify.
2
Compare offers
Manu's partner application matches you with lenders that fund physical therapy businesses and shows you real numbers.
3
Get funded
Accept the offer that fits, sign electronically, and receive funds in as little as 24 hours.

Ready to fund your Physical Therapy business?

Get matched with offers in minutes — no hard credit check.

See My Offers

Physical Therapy SBA Loans by state

Physical Therapy SBA Loans in AlabamaPhysical Therapy SBA Loans in AlaskaPhysical Therapy SBA Loans in ArizonaPhysical Therapy SBA Loans in ArkansasPhysical Therapy SBA Loans in CaliforniaPhysical Therapy SBA Loans in ColoradoPhysical Therapy SBA Loans in ConnecticutPhysical Therapy SBA Loans in DelawarePhysical Therapy SBA Loans in FloridaPhysical Therapy SBA Loans in GeorgiaPhysical Therapy SBA Loans in HawaiiPhysical Therapy SBA Loans in IdahoPhysical Therapy SBA Loans in IllinoisPhysical Therapy SBA Loans in IndianaPhysical Therapy SBA Loans in IowaPhysical Therapy SBA Loans in KansasPhysical Therapy SBA Loans in KentuckyPhysical Therapy SBA Loans in LouisianaPhysical Therapy SBA Loans in MainePhysical Therapy SBA Loans in MarylandPhysical Therapy SBA Loans in MassachusettsPhysical Therapy SBA Loans in MichiganPhysical Therapy SBA Loans in MinnesotaPhysical Therapy SBA Loans in MississippiPhysical Therapy SBA Loans in MissouriPhysical Therapy SBA Loans in MontanaPhysical Therapy SBA Loans in NebraskaPhysical Therapy SBA Loans in NevadaPhysical Therapy SBA Loans in New HampshirePhysical Therapy SBA Loans in New JerseyPhysical Therapy SBA Loans in New MexicoPhysical Therapy SBA Loans in New YorkPhysical Therapy SBA Loans in North CarolinaPhysical Therapy SBA Loans in North DakotaPhysical Therapy SBA Loans in OhioPhysical Therapy SBA Loans in OklahomaPhysical Therapy SBA Loans in OregonPhysical Therapy SBA Loans in PennsylvaniaPhysical Therapy SBA Loans in Rhode IslandPhysical Therapy SBA Loans in South CarolinaPhysical Therapy SBA Loans in South DakotaPhysical Therapy SBA Loans in TennesseePhysical Therapy SBA Loans in TexasPhysical Therapy SBA Loans in UtahPhysical Therapy SBA Loans in VermontPhysical Therapy SBA Loans in VirginiaPhysical Therapy SBA Loans in WashingtonPhysical Therapy SBA Loans in West VirginiaPhysical Therapy SBA Loans in WisconsinPhysical Therapy SBA Loans in Wyoming

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Endoscopy Equipment ManufacturerCatheter ManufacturerStent ManufacturerMedical Tubing ManufacturerDiagnostic Equipment ManufacturerImaging Equipment ManufacturerUltrasound Equipment ManufacturerMRI Coil ManufacturerCT Equipment ManufacturerX Ray Equipment ManufacturerLab Equipment ManufacturerCentrifuge ManufacturerPCR Equipment ManufacturerSequencing Equipment Manufacturer

Other funding options for physical therapy businesses

Physical Therapy LoanPhysical Therapy Line of CreditPhysical Therapy Cash AdvancePhysical Therapy Revenue FinancingPhysical Therapy Working CapitalPhysical Therapy Equipment LoanPhysical Therapy Term LoanPhysical Therapy Factoring

Frequently asked questions

What kind of business loans can Physical Therapy owners qualify for?

Through Manu's partner application, physical therapy owners can access small business loans ($10K–$10M), SBA 7(a) and 504 loans ($50K–$5M), business lines of credit, equipment financing, merchant cash advances, accounts receivable financing, and inventory lines. Terms are tailored to your revenue and time in business.

How fast can a Physical Therapy business get funded?

Lines of credit and merchant cash advances can fund the same day for qualifying physical therapy businesses. Small business loans and equipment financing typically fund in 1–3 business days. SBA loans take 4–10 weeks due to government underwriting.

What credit score do I need for Physical Therapy financing?

Minimum FICO depends on the product: equipment financing starts at 550, small business loans at 580, lines of credit at 600, and SBA loans at 660. Merchant cash advances and accounts receivable financing have no minimum FICO — they're underwritten on revenue and receivables instead.

Will applying hurt my credit score?

No. Pre-qualification uses a soft credit check that does not affect your credit score. A hard pull only happens if you accept a final offer from a lender.

What documents do Physical Therapy businesses need to apply?

To pre-qualify, you'll share basic business information plus your most recent 3 months of business bank statements. To finalize an offer, most lenders ask for 3–6 months of bank statements in total. Larger loans may also require tax returns or financial statements.

Sources & references

Loan-product criteria, funding-speed ranges, and credit-score thresholds on this page are validated against current lender requirements and the following primary sources:

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No credit impact for prequalification · Takes a couple of minutes