Business finance
Business Loans For Physiotherapists
Working capital, equipment, and growth finance for physiotherapists — matched to your revenue and time trading, not a generic credit score.
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Australian trades
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Local support team
Vetted partners only
How it works
Matched to the right lender in minutes
Tell us what you need
A few details about your business and what the finance is for. Takes under a minute.
We match you
We line you up with the right vetted lender for physiotherapists and your situation — no guesswork.
Get funded
Your lender takes it from there — approval and funds, sorted.
What you get
Built around your business
- Finance for rooms, equipment, and fit-out as your practice grows.
- Working capital to smooth the gap between service and payment or rebate.
- One application across lenders that understand health-practice income.
How it works
Simple next steps
- 1Tell us what you need to fund and your practice's trading history.
- 2We match it to lenders comfortable with health and care revenue.
- 3You compare offers and proceed only if one fits.
Important note
Good to know
No lock-in and no obligation. We only connect you with a partner if it genuinely helps — you decide whether to proceed.
Business finance
Financing for Physiotherapists
Physio practices need cash for fit-outs and equipment. New treatment tables, rehab and exercise gear, modalities and the fit-out of an extra room can reach the ~$65,000 mark, and that spend lands well before the rebates from those sessions come back in. A working-capital or equipment facility lets you open a second room, take on a new physio, or upgrade your gear without draining the account while you wait on health-fund and NDIS payments.
Common questions
Physiotherapists — business loan questions
Can I finance a clinic fit-out and equipment together?
Often yes. Treatment tables, rehab equipment and fit-out costs can sit on equipment finance, while a working-capital line covers staffing and the gap before rebates clear. Cockatoo helps match you to a lender who understands allied-health practices.
Do lenders understand health-fund and NDIS payment delays?
Good ones do. Showing your steady appointment volume and referral pipeline usually matters more than the timing of any single rebate or NDIS claim.
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Get matched to the right lender
Tell us what you need and we'll match you to the right partner — free, no lock-in, under a minute.