Physical Therapy Equipment Financing
Direct answer
RCR International Finance LLC finances physical therapy and rehabilitation equipment for outpatient clinics, sports medicine, and hospital rehab departments, including modalities, treadmills, and strength systems. Funding can cover a single device or a full clinic build-out, structured as an equipment loan or lease. Eligible equipment, terms, and any down payment are subject to underwriting and approval based on the practice and the equipment quote.
8-12 years
Typical useful life
New & used
What's financed
Loan / lease
Both available
The asset
Secured by
Subject to underwriting and approval.
Reviewed by the RCR International Finance LLC team
Commercial finance specialists · Last reviewed January 2026
Written to reflect how physical therapy equipment financing actually works and checked against our editorial & compliance standards.
?Quick answer
RCR International Finance LLC finances physical therapy and rehabilitation equipment for outpatient clinics, sports medicine, and hospital rehab departments, including modalities, treadmills, and strength systems. Funding can cover a single device or a full clinic build-out, structured as an equipment loan or lease. Eligible equipment, terms, and any down payment are subject to underwriting and approval based on the practice and the equipment quote.
Plan ahead
Estimate your payment
Model a monthly payment for physical therapy equipment before you apply.
Open the estimatorWhat physical therapy equipment you can finance
A representative sample of eligible assets in this category.
- Chattanooga ultrasound and e-stim units
- Anti-gravity and rehab treadmills
- Therapeutic laser and shockwave devices
- Mechanical traction and decompression tables
- Pneumatic and selectorized strength systems
- Balance, gait, and parallel-bar systems
- Hydrotherapy and aquatic therapy tanks
Financing physical therapy equipment: the basics
RCR International Finance LLC arranges physical therapy equipment financing for businesses acquiring medical equipment. Because the asset secures the deal, physical therapy equipment is one of the more accessible commercial structures, and it keeps working capital free for payroll, materials, and growth. Subject to underwriting and approval.
New PT equipment includes current modality technology and warranty, which suits clinics building a full rehab program. Used and refurbished modalities and strength systems are commonly financed and are evaluated on condition, hours, and software version. Both new and used purchases are subject to underwriting and approval.
A loan builds ownership of the rehab equipment, fitting clinics keeping devices through their long service life. A lease can lower upfront cost during a startup or expansion. The fit depends on the equipment mix, tax planning, and replacement plans.
Loan vs lease: which fits this asset?
Both options finance physical therapy equipment, the right choice depends on how long you keep the asset and whether ownership or lower payments matters more.
Equipment Loan
Build ownership
- You own the equipment outright at the end of the term
- Builds equity in the asset as you pay it down
- Best for equipment with a long, productive useful life
- Payments are typically higher than a comparable lease
Equipment Lease
Lower payments, flexibility
- Lower monthly payments to preserve cash flow
- Flexibility to upgrade, renew, or return at term end
- Best for assets you replace or upgrade often
- End-of-term purchase options may be available
Soft costs you can often include
Financing frequently covers more than the sticker price, so the asset is working from day one.
Delivery and clinic installation
Roll delivery and clinic installation into the financed amount where the structure allows.
Assembly of strength and gait systems
Roll assembly of strength and gait systems into the financed amount where the structure allows.
Electrical and plumbing for hydrotherapy
Roll electrical and plumbing for hydrotherapy into the financed amount where the structure allows.
Staff training on modalities
Roll staff training on modalities into the financed amount where the structure allows.
Applicable sales and use taxes
Roll applicable sales and use taxes into the financed amount where the structure allows.
How equipment financing works
Select equipment
Identify the physical therapy equipment and obtain a vendor quote with specifications.
Apply
Submit the quote with recent bank statements so underwriting can assess the asset and cash flow.
Loan or lease
Choose an ownership-building loan or a lower-payment lease, subject to approval.
Vendor payment
On approval, financing pays the vendor and you take delivery.
Documents to finance physical therapy equipment
- Signed equipment quote or invoice from the vendor
- Recent business bank statements
- Most recent business tax return
- Equipment details: make, model, type, and condition
- PT license or clinic ownership documentation
- Completed credit application
All financing is subject to underwriting and approval. Program availability may vary, and documentation requirements depend on the financing structure.
Industries that finance physical therapy equipment
Key takeaways
- Physical Therapy Equipment can be financed new or used, with the equipment itself serving as collateral.
- Choose a loan to build ownership or a lease for lower payments and flexibility.
- Soft costs such as delivery and clinic installation and assembly of strength and gait systems can often be rolled into the financed amount.
- Financing is subject to underwriting and approval; RCR International Finance LLC does not guarantee rates or approval.
Proven Track Record
$566M+ funded across 78+ real closings
Results over claims. See genuine, closed equipment transactions, anonymized by business type, that RCR International Finance LLC has funded.
Finance physical therapy equipment for your business
RCR International Finance LLC can help you compare loan and lease options for physical therapy equipment.
All financing is subject to underwriting and approval. Program availability may vary, and documentation requirements depend on the financing structure.
Related financing
Physical Therapy Equipment financing FAQs
- Can a full clinic of equipment be financed together?
- Yes. Modalities, treadmills, strength systems, and tables can be bundled on a single financing when itemized on the same project quote. The package is valued during underwriting, subject to approval.
- Are refurbished modalities eligible?
- Refurbished ultrasound, e-stim, and traction units are commonly considered. We request make, model, and condition so the equipment can be valued, subject to underwriting.
- Can hydrotherapy tanks be financed?
- Aquatic therapy and hydrotherapy tanks are commonly financed, often with plumbing and electrical bundled when itemized on the same quote. Inclusion of soft costs is determined during underwriting.
- Do startup PT clinics qualify?
- Startup and newly opened clinics are reviewed case by case, considering the therapist's credentials, the business plan, and the equipment. Financing is possible but subject to underwriting and approval.
Important disclosure
All financing is subject to underwriting and approval. Program availability may vary, and documentation requirements depend on the financing structure.
RCR International Finance LLC does not guarantee approval, rates, or funding amounts. Terms are determined case by case after review.