Physical Therapy Clinic Funding — Payroll, Equipment & Expansion Capital

Physical therapy funding addresses the reimbursement-gap reality of running a clinic: therapists and staff are paid weekly, but insurance and Medicare reimburse 30 to 90 days later, and reimbursement-rate cuts keep margins under pressure. Equipment, build-outs, and a second location all require capital before the collections catch up. Y Millennial Funding provides revenue-based capital structured as a merchant cash advance — not a loan — for outpatient PT, OT, and speech clinics, sports and orthopedic rehab, and multi-location therapy groups doing $25,000 or more in monthly revenue. We are a direct funder, not a broker, and we underwrite on your bank deposits and collections rather than credit score or hard collateral. Clinics use this capital to cover payroll through reimbursement lags, buy rehab equipment and modalities, build out or expand, open a second location, and invest in billing and EMR technology. Because remittance is a percentage of revenue, it flexes with collections, and approval is fast enough to keep payroll funded or seize an expansion. A merchant cash advance is the purchase of future receivables, not a loan. Not all applicants qualify, and approval depends on revenue patterns, deposit consistency, time in business, and other factors.