How money moves in this industry
Room fit-outs and practitioner recruitment can precede a stable appointment book. Claim and invoice timing may differ from the dates wages and rent are due.
A practical example
A physiotherapy practice adds two treatment rooms and equipment while keeping enough cash for staff and rent during the ramp-up.
This illustrates a funding need; it is not a lender eligibility claim or a recommendation to borrow.
Common reasons to explore finance
- Treatment room fit-outs
- Clinical equipment
- Practitioner recruitment
- Practice acquisition
- Working capital
Equipment and assets that may be financed
Asset finance depends on the lender's product, the asset, its condition and the proposed term. Examples in this industry include:
- Treatment tables
- Rehabilitation equipment
- Practice software
Questions to prepare for a lender discussion
These are useful preparation questions, not a statement that any particular lender accepts this industry.
- What is current practitioner utilisation?
- Who pays the practice and when?
- Are equipment and fit-out costs separately documented?
Insurance and business continuity
Finance is one part of a business decision. This industry may also need to consider professional indemnity, public liability, cyber cover, depending on its activities, contracts and legal obligations. Our business insurance guide explains the concepts and links to official Australian sources.