From treatment tables to opening new clinics, adding aquatic therapy or expanding sports performance services, Rainstar Capital Group connects physical therapy owners with commercial financing built around insurance and workers' compensation timing.
Rehab clinics treat patients over multi-visit plans of care, billing insurers and workers' compensation carriers that often pay slowly. Growth requires space, equipment and licensed therapists. Between insurance and workers' compensation timing and the cost of rehab equipment, physical therapy owners need capital that fits the way their business actually works, not a one-size-fits-all loan.
The right financing turns those pressures into opportunities. It lets physical therapy owners invest in treatment tables, therapy equipment, aquatic systems, gym equipment and EMR software and pursue growth such as opening new clinics, adding aquatic therapy or expanding sports performance services, without draining the cash that keeps daily operations running.
We work with physical, occupational and sports therapy clinics and rehab centers, and we structure every request around the realities of your cash cycle, from insurance and workers' compensation timing to the equipment and space you need to grow.
We love financing PT and rehab clinics because they get people back to work and back to living. Plans of care and workers' comp claims take time to pay, so we provide capital to hire therapists and open new clinics ahead of the reimbursements.
Every physical rehabilitation business hits cash-flow pressure points. Here is how lines of credit and the right loan structures turn each one into an opportunity.
Much of your revenue arrives as insurance and workers' comp claims that settle over weeks, while payroll, rent and suppliers are due now.
How financing solves itInvoice factoring or a receivables-based line of credit advances cash against what you've already earned, so operations never wait on customers.
Treatment tables, therapy equipment, aquatic systems, gym equipment and EMR software are expensive to buy and maintain, and when they fail, revenue stops.
How financing solves itEquipment financing spreads the cost of rehab equipment over its useful life, uses the equipment as collateral and preserves your cash.
Adding staff, training and marketing costs money long before new revenue arrives.
How financing solves itWorking capital and term loans fund hiring and marketing so growth doesn't stall for lack of cash.
Opportunities like opening new clinics, adding aquatic therapy or expanding sports performance services require capital up front and take time to pay back.
How financing solves itTerm loans and SBA 7(a) loans provide longer repayment schedules that match the payback of growth investments.
Rising rent on your clinic can erode margins at every renewal, and landlords may not renew on your terms.
How financing solves itCommercial real estate loans and SBA 504 financing help you buy your property, lock in occupancy costs and build equity.
Recruiting therapists is competitive and costly before their schedules fill. For physical therapy owners, that pressure can slow growth or force hard trade-offs.
How financing solves itWorking capital funds hiring and onboarding while caseloads build. Payments are structured around your cash cycle, so you can keep operating with confidence.
From commercial real estate and equipment to inventory, factoring and business lines of credit, we match physical rehabilitation owners with the product that fits the need.
Flexible, revolving capital for payroll, supplies and seasonal gaps. Draw what you need and pay interest only on what you use.
Turn insurance and workers' comp claims that settle over weeks into immediate cash.
Advance cash on insurance and workers' comp claims.
Finance treatment tables, therapy equipment, aquatic systems, gym equipment and EMR software, new or used, often with little money down.
Purchase, refinance or expand your clinic with long-term fixed or variable options.
Government-backed loans with longer terms for acquisitions, real estate, equipment and refinancing.
A lump sum for opening new clinics, adding aquatic therapy or expanding sports performance services, repaid on a predictable schedule.
Fast funding for short-term needs, often within days.
A short application and a few recent bank statements are usually enough to start.
We shop your request across our lender network and walk you through the terms side by side.
Choose the offer that fits and put the capital to work in your physical rehabilitation business.
Physical therapy owners commonly use business line of credit, invoice factoring, medical receivables financing, equipment financing, commercial real estate and SBA 7(a) & 504 loans. The right mix depends on what you're funding, how quickly you need it and how long you've been in business.
Yes. Equipment financing covers treatment tables, therapy equipment, aquatic systems, gym equipment and EMR software, both new and used. The equipment typically serves as collateral, which can make approval easier and keeps your cash free for operations.
Recruiting therapists is competitive and costly before their schedules fill. For physical therapy owners, that pressure can slow growth or force hard trade-offs. Working capital funds hiring and onboarding while caseloads build. Payments are structured around your cash cycle, so you can keep operating with confidence.
Working capital and lines of credit can fund in days. Equipment financing often takes about a week. SBA and commercial real estate loans take longer because of underwriting and appraisals.
Not necessarily. Lenders look at cash flow, time in business, collateral and credit together. We start with a soft review where possible so you can see your options before anything affects your score.
Practical articles for physical rehabilitation owners on cash flow, equipment, real estate and growth capital.
Tell us what you're working toward. We'll compare lenders and products and show you options that fit.
Checking your options won't affect your credit score. All financing is subject to lender approval.
