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.
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.
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
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.
Fixed terms up to 84 months
Equipment is owned at the end
Great for long-term-use tools like tables and resistance units
End-of-term options to upgrade, purchase, or return
Ideal for evolving tech like TENS, ultrasound, and software systems
Large borrowing capacity
Use funds for equipment, buildouts, and working capital
Low interest and long terms—great for multi-location practices
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.
| Equipment Type | Estimated Cost | Lease Term | Monthly Payment |
|---|---|---|---|
| Adjustable Treatment Table | $4,500 | 36 months | ~$135/month |
| Ultrasound Therapy Unit | $9,000 | 48 months | ~$220/month |
| Full Rehab Equipment Package | $60,000 | 60 months | ~$1,125/month |
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)
Use loans for equipment you plan to keep long-term
Lease fast-evolving tech for flexibility and upgrades
SBA loans help fund full clinic buildouts or expansions
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.