Financing Rehabilitation and Physical Therapy Equipment

Launching or expanding a rehab center or physical therapy clinic means investing in equipment that supports mobility, healing, and independence. From treatment tables to ultrasound therapy systems and gait training devices, the upfront cost can be significant. Thankfully, financing rehabilitation and physical therapy equipment makes it possible to grow sustainably while delivering better patient care.

✅ Featured Snippet Answer:

Can physical therapy clinics finance rehab equipment?
Yes, physical therapy and rehab clinics can finance or lease equipment like treatment tables, exercise machines, and therapy tools through medical lenders.

Why Clinics Choose Equipment Financing

Rehab equipment isn’t just expensive—it also needs periodic upgrades. Financing helps clinics:

• Preserve capital for staffing, rent, and marketing

• Offer advanced therapeutic modalities without major upfront investment

• Bundle equipment, installation, and maintenance into one payment

• Deduct payments or interest for tax advantages

• Scale faster with less financial strain

Related: Equipment Leasing as a Tool for Cash Flow Management

What Rehabilitation Equipment Can Be Financed?

Most lenders cover both new and refurbished rehab and PT equipment, including:

• Treatment and traction tables

• Resistance training systems (cables, pulley units)

• Stationary bikes and ellipticals

• Balance and proprioception tools

• Ultrasound therapy devices

• TENS/EMS machines

• Hydrotherapy and whirlpool units

• Gait trainers and parallel bars

• Therapy balls, bands, and mobility tools

✅ Many programs also cover software, installation, flooring, and ADA-compliant upgrades.

Financing Options for Rehab and PT Equipment

🧾 1. Medical Equipment Loans

• Fixed terms up to 84 months

• Equipment is owned at the end

• Great for long-term-use tools like tables and resistance units

🔁 2. Equipment Leasing

• Lower upfront costs

• End-of-term options to upgrade, purchase, or return

• Ideal for evolving tech like TENS, ultrasound, and software systems

🏛 3. SBA 7(a) or 504 Loans

• Large borrowing capacity

• Use funds for equipment, buildouts, and working capital

• Low interest and long terms—great for multi-location practices

🩺 4. Healthcare-Focused Lenders

• Lenders who specialize in rehab and PT clinics

• More flexible underwriting and tailored payment plans

• Examples: TIAA Bank Healthcare Finance, Bank of America Practice Solutions, MedFinancial

Tip: Some lenders offer 90- or 180-day deferred payments for new practices.

Sample Equipment Costs and Payments

What You’ll Need to Apply

Prepare the following to apply for rehab equipment financing:

• Clinic license or business entity documents

• Vendor quote or invoice

• Business and/or personal credit history

• Tax returns or recent bank statements

• Business plan (for startups)

Related: Essential Tips for First-Time Equipment Leasing

Summary: 3 Smart Financing Structures for Rehab Clinics (Snippet-Optimized ✅)

1. Use loans for equipment you plan to keep long-term

2. Lease fast-evolving tech for flexibility and upgrades

3. SBA loans help fund full clinic buildouts or expansions

Final Thoughts: Focus on Recovery, Not Financial Burden

You’re in the business of helping people get back on their feet. With smart financing options for physical therapy equipment, you can build or upgrade your clinic with the tools you need—without breaking the bank.