Lendus.

Physiotherapy Business Loans

From clinic fit-out to treatment equipment, fund your physiotherapy practice with confidence. Lendus compares 200+ lenders so you can focus on your patients, not the finance.

200+ UK lenders
2-minute application
No credit check to apply
FCA-regulated brokers

Typical Range

£5k – £200k

Average Loan

£35k

for physiotherapy

Decision Speed

24–48 hrs

for unsecured loans

Eligibility requirements

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Loan types available

Unsecured Business Loan

Rate
7.4% – 26.9% APR
Term
1 – 5 years
Security
No security required
Best for
Clinic fit-out, marketing to attract private patients, or hiring an associate physiotherapist

Asset Finance

Rate
5.4% – 13.9% APR
Term
1 – 7 years
Security
The asset being financed
Best for
Treatment tables, exercise and rehabilitation equipment, and larger items such as hydrotherapy equipment

Secured Business Loan

Rate
4.9% – 15.9% APR
Term
1 – 15 years
Security
Commercial property or personal property
Best for
Buying clinic premises or opening a second location

Representative example

Borrow £35,000 over 36 months at 9.9% APR (fixed). Monthly repayment: ~£1,128. Rates depend on your circumstances and the type of loan.

Market context

UK physiotherapy practices typically earn income from a mix of self-pay private patients, private medical insurer referrals, and in some cases NHS or corporate contracts. Registered practitioners must maintain professional registration, and practices vary considerably in scale from a single practitioner working from rented clinic space to multi-site operations with several associate physiotherapists.

Common challenges

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Bad credit?

Several of our 200+ lenders work with physiotherapy businesses that have imperfect credit. You may need a personal guarantee or higher rate, but options exist. Checking your options here does not affect your credit score, because we do not run a credit search to match you. A lender will run their own checks only if you decide to apply.

Frequently asked questions

Can I get finance to fit out a new physiotherapy clinic?
Yes, an unsecured business loan is commonly used for clinic fit-out, covering treatment rooms, reception areas and initial equipment. Lenders will typically look at your professional registration and trading history, or for a new clinic, your business plan and any confirmed referral relationships, such as insurer panels or corporate contracts. Lendus can compare terms across lenders experienced in financing clinical premises for allied health practitioners.
How does relying on private medical insurer referrals affect my finance options?
Lenders will generally look at the mix of your referral sources, since a practice with a broader base of self-pay patients, insurer referrals and any NHS or corporate work tends to be viewed as more resilient than one reliant on a single referral channel. This does not prevent finance but is a factor considered alongside your overall trading history. Building a broader base of self-pay patients alongside insurer work is generally viewed favourably.
Can I finance treatment and rehabilitation equipment?
Yes, asset finance is well suited to treatment tables, exercise equipment and larger items such as hydrotherapy equipment, since the equipment itself is used as security. This allows a practice to expand its treatment offering without a large upfront cash outlay. Lendus can compare asset finance terms across lenders familiar with clinical and rehabilitation equipment. Financing rather than buying outright also frees up cash for marketing and staff costs.
Will lenders fund a single-practitioner physiotherapy business?
Yes, sole practitioners are a common and well understood business type in this sector. Lenders will typically look at your professional registration, client bookings and trading history in the same way as for any small professional practice, though single-practitioner dependency is a factor considered alongside other aspects of the application. Lendus can point you towards lenders comfortable assessing sole-practitioner clinical businesses on this basis.

Equipment finance for physiotherapy businesses

Buying a specific machine or vehicle is usually cheaper than a general business loan, because the asset itself is the security. These are the items physiotherapy businesses most often fund, with the price range we see quoted in the UK.

Equipment Typical price range Finance page
Physiotherapy Equipment £3k to £60k Physiotherapy Equipment finance
Aesthetic Laser £10k to £60k Aesthetic Laser finance
Anaesthetic Machine £15k to £60k Anaesthetic Machine finance
Autoclave £3k to £30k Autoclave finance
Body Contouring Machine £10k to £70k Body Contouring Machine finance
Centrifuge £2k to £20k Centrifuge finance
Cryotherapy Machine £8k to £90k Cryotherapy Machine finance
Ct Scanner £80k to £400k Ct Scanner finance
Defibrillator £1k to £15k Defibrillator finance
Dental CAD/CAM £15k to £70k Dental CAD/CAM finance
Dental Chair £7k to £45k Dental Chair finance
Dental Compressor £2k to £20k Dental Compressor finance

Browse all equipment finance pages

Understand the loan structures

The table above shows what a physiotherapy business borrows for. These pages explain how each kind of borrowing actually works, what it costs and who it suits.

Business loans for bad credit Government-backed business loans Merchant cash advance Revolving credit facilities Business loans with no personal guarantee Secured business loans Start up business loans Unsecured business loans

Related industry loans

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Guides and resources

How to Get a Business Loan Business Loan Eligibility Secured vs Unsecured Best Business Loans UK iwoca Review Funding Circle Review

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