How Do Physiotherapy Clinics Fund Equipment and Premises?

Why physiotherapy clinics fund differently

Physiotherapy clinics invest in treatment equipment and premises fit-out, with income split between private fees and slower insurer or referral payments. With little in the way of machinery or property to secure against, the funding question is not 'what asset do we buy?' but 'how do we bridge the gap between spending and being paid?'. That points toward working-capital facilities and unsecured lending rather than asset finance.

The facility that usually fits

For this trade the natural route is asset finance for equipment, plus a business loan for premises. It is designed for the recurring, temporary gaps that asset-light businesses live with, and — in the case of invoice finance — it grows with the invoices as the business grows. Credicorp's unsecured lending to limited companies carries no personal guarantee, which matters when there is no asset to pledge. Read the underlying guide before committing.

Size it against real figures

Model the gap with our return on borrowing calculator and the business loans explained on Learn. For asset-light firms the key number is how long cash is tied up between paying costs and collecting fees — get that right and the facility sizes itself.

How lenders view the trade

Our sector page for physiotherapy clinics sets out what a lender looks at when there are few hard assets, and the general answers on whether your sector affects borrowing and what lenders check give the wider picture. When ready, you can apply. General information, not an offer of finance.