Physical Therapy Equipment Financing From 5.49% APR

Whole Floor in One Payment

Modalities, gym, tables, and buildout can go on a single note. The Columbus startup opened fully equipped instead of buying gear in cash a piece at a time.

Buildout Financing Included

We can bundle leasehold improvements, flooring, and construction with the equipment, so the physical space and the gear inside it are one payment, not two problems.

Startup-Friendly

New-grad DPTs and first-time owners fund regularly, often on strong personal credit. A brand-new Columbus clinic financed its entire floor at 5.99%.

500+ Lenders, From 5.49% APR

We shop your file across the whole network. Qualified practices see rates from 5.49% APR; all credit profiles get a real look, not a single bank's answer.

A sample of PT fit-outs we have funded recently. Anonymized, but the terms are exact.

• $118,000 full startup fit-out, Columbus OH. New-grad DPT, first year in business, 731 personal credit. Funded at 5.99% APR over 60 months with 10% down, covering a Woodway treadmill, Biodex balance system, Chattanooga e-stim and ultrasound, a HUR pneumatic strength line, treatment tables, and buildout, all in one note.
• $64,000 modality and gym refresh, Kansas City MO. Established PT clinic, 5 years in operation, 704 score. Approved at 5.99% APR over 60 months with $0 down, modernizing worn modalities and cardio in one pass.
• $42,000 Biodex isokinetic plus e-stim and ultrasound, San Antonio TX. Orthopedic PT practice, 8 years, 726 score. Funded at 5.74% APR over 48 months, 10% down, adding objective strength testing to the clinic's ortho work.
• $145,000 second-location full floor and buildout, Raleigh NC. Multi-clinic owner, 11 years, 745 score. Priced at 5.49% APR over 60 months, 10% down, standing up a complete second site including construction.

Rates were earned by each file. Yours depends on credit, time in practice, and structure. We quote firm numbers before anything is signed.

A cold-start PT clinic is a race between your buildout cost and your first collections. Financing the floor instead of buying it changes that race. A $118,000 fit-out at 5.99% over 60 months is roughly $2,280 a month. A single full-time PT running an insurance and cash schedule collects multiples of that, so the equipment note is covered by a fraction of one clinician's production once the schedule fills.

Why financing beats cash for a startup:

• Runway stays intact. Your capital goes to rent, payroll, and marketing, the things that fill the schedule, not into gear that sits idle until patients arrive.
• One payment, predictable. Equipment plus buildout on a single note is far easier to plan around than a stack of separate purchases.

Section 179 is a major lever on a full fit-out. It generally lets you deduct the full purchase price of qualifying equipment in the year it is placed in service instead of depreciating it over years, and for 2025 and beyond the cap sits at $2.5 million with 100% bonus depreciation on top. On a $118,000 build, that can mean a large first-year deduction against income even though you financed the purchase and put down only a fraction in cash. Buildout treatment varies, so run the details with your CPA, but for the equipment itself the first-year write-off combined with financing is one of the strongest cash positions a new clinic can take.

A complete PT floor is a bundle of categories, and we finance all of them on one invoice:

• Modalities. Chattanooga Intelect and Dynatronics combo units for e-stim and therapeutic ultrasound, laser, and traction. A core modality package runs roughly $8,000 to $25,000.
• Cardio and gait. Woodway and Life Fitness treadmills, upper-body ergometers, and NuStep recumbent cross-trainers, generally $5,000 to $20,000 per major piece.
• Strength and functional. FreeMotion cable systems, HUR pneumatic equipment, and functional trainers, plus parallel bars and mat platforms.
• Testing. Biodex balance and isokinetic systems for objective assessment, often $20,000 to $60,000 depending on configuration.
• Tables and basics. Hi-lo treatment tables from Hausmann and Midland, plinths, stools, and supplies.

Add flooring, mirrors, and leasehold construction, and a full startup floor lands in the $30,000 to $150,000 range depending on square footage and how much testing equipment you include. We finance new, certified used, and refurbished gear, and we bundle buildout where the lender allows. Send us your equipment list or your fit-out quote and we will structure the whole floor into one payment sized to your ramp.

Can I finance the buildout along with the equipment?

Often yes. We can bundle leasehold improvements, flooring, and construction with the equipment on one note where the lender allows, which is how the Columbus startup put its entire floor and buildout in a single payment.

I am a new-grad DPT with no business history. Can I get approved?

Yes. New owners fund regularly, usually leaning on personal credit and sometimes a bit more down. The Columbus clinic was first-year with a 731 personal score and financed a full $118,000 fit-out at 5.99%.

How much of a full floor can I finance at once?

We routinely fund complete floors from $30,000 up to $150,000 and beyond, including modalities, gym, testing, tables, and buildout. The Raleigh second location below was a $145,000 full-floor package with construction.

Do you finance used and refurbished PT equipment?

Yes. Certified used and refurbished modalities, cardio, and testing systems finance alongside new gear on the same note. Mixing new and used to hit a budget is common and does not complicate the deal.

What down payment should a startup expect?

Commonly 10% on a startup fit-out, sometimes less for strong personal credit, sometimes more for challenged credit. Established clinics adding equipment often go $0 down. We give you the exact figure tied to your approval before you sign.