Start-up finance for your physiotherapy practice


Asset Finance

  • Spread the cost of any equipment
  • Use the latest technology
  • Buy with monthly payments
  • Lease with no upfront cost


  • Secured and Unsecured loans
  • Borrow for any purpose
  • Predictable monthly repayments
  • Tailored to your cashflow

Any funding need

  • Equipment
  • Deal with overheads
  • Pay staff
  • Fund marketing - training - development

Talk to Rangewell – the business finance experts

If you are ready to launch your own physiotherapy clinic, at Rangewell, we’re ready to use our contacts across the entire UK lending industry to provide the funding you need.

Setting up a successful new physiotherapy practice will depend on access to the funding you need

Every start-up faces the same funding challenge. You need finance to launch your practice, and pay for the premises, equipment, marketing, and working capital until you have built up a patient list.

It means some major costs. But traditional lenders are only interested in established businesses with years of audited accounts.

They can’t help you. Even the new breed of online business lenders usually want online accounts and VAT returns before they will consider an application.

But there are ways to raise the funding you need, and lenders who can be sympathetic. At Rangewell, we can show you all the options, and we have a 5-step plan to help you to secure the finance you need to set up your own physiotherapy practice.

Step 1

Your first step is to list the real costs your new business will present. You need costings for all your equipment, your premises and your operating costs.

Step 2

Ensure that your own personal financial situation has no issues like outstanding debts, CCJs or other negatives. You may need to provide a personal guarantee to secure the funding you need.

Step 3

Prepare a business plan. Show how your physiotherapy business will work, and how it will generate funds, with a forecast of profit and loss and your cash flow. This should help you see how much funding you need to raise.

Step 4

Now contact us. We’ll help you use your business plan to secure the funding you need. Because we work across the entire UK lending market, we know which lenders to approach - which are most likely to offer the deal you want for your practice.

Step 5

We use our unique online system to ensure you can secure the funds you want at the most competitive rate.

The types of funding to consider for your physiotherapy practice

Premises will be a major cost for your new clinic.

Location, size and facilities all need to be right for your patients, and getting them all right will cost money. Buying with a Commercial Mortgage may cut costs compared with leasing. Commercial Mortgages work much like a residential mortgage and can be used to help you buy a suitable freehold property -  or even an existing physiotherapy practice.

Commercial Property Finance is arranged on an individual basis. Rates and terms will be agreed based on your business plans.

Commercial Loans for your physiotherapy practice

There are two types of Commercial Loan - Secured and Unsecured - which could provide the funding you need.

Secured Loans must be supported by security, such as your home, that the lender would take and sell if you became unable to make repayments. This reduces the risk to lenders, and allows them to reduce the cost of finance to you, with rates that can be as low as 2% above base rate, and ten or more years to repay.

Unsecured Business Loans are a straightforward way of borrowing and operate much like a personal loan. The loan is repaid in monthly or quarterly installments over an agreed term under 5 years. Decisions can be fast but you will need to provide a personal guarantee meaning that you will become personally liable for the debt if your business was unable to pay.

Asset Finance for the physiotherapy equipment you need

Asset Finance covers a range of funding solutions designed to let you spread the cost of equipment:

Hire Purchase

Hire Purchase lets you acquire equipment straight away, with a single deposit payment. It then lets you spread the costs in regular monthly installments over up to 5 years. At the end of this term, you own the asset outright, making it ideal for items which have a high cost and a relatively long life.


Leasing works much like a rental agreement. It lets you use the equipment without having to buy it, with a payment each month to the finance company. For technical equipment - such as IT which could go out of date, leasing can be ideal, as it can be easy to update when a better model becomes available. Leasing can also include maintenance agreements - meaning that keeping your equipment in perfect condition remains the responsibility of the lender - helping you avoid any unexpected costs.


  • Find funding to allow a new practice to acquire premises

  • Help find the most competitive funding to fund the first months of a new practice

  • Source a professional loan for dentist ready to start a practice

  • Find the most competitive lender for equipment and spread the cost with HP

  • Help arrange ‘jigsaw’ funding for all aspects of a startup

Getting the help you need to set up your physiotherapy business from Rangewell

Coming to Rangewell means getting a team of financial experts working for you and your new practice.

We can discuss your objectives, point out the challenges and the opportunities and help find answers that are right for you.

We can help you with financial solutions that can scale to fit your business and find the most competitive rates for all types of finance, including Professional Loans, Unsecured and Secured Loans, Invoice Finance, Asset Finance, Merchant Cash Advance, Commercial Mortgages, Growth Finance and more.

Setting up your physiotherapy practice may mean a range of funding is required. We can provide Jigsaw Funding -  a bespoke package made up of several types of funding.  IT can mean a higher level of funding that could be provided by a single finance option - and reduce costs.

To find out more about setting up the finance you need for your physiotherapy practice clinic simply call us. Our experts are ready to help.

Meet real physiotherapists who have recently started up

Rangewell made it easy to find the funding.
Rangewell helped us every step of the way.
Rangewell helped me find a solution to every challenge I faced when setting up my physio practice.

Helping you build your profits

Funding to suit your plans

Every practice is different, and we can work with you to find financial solutions designed around your particular circumstances.

Take your pick of the lending market

We understand all types of business finance, and have mapped thousands of products from hundreds of suppliers.

Working with physiotherapists

Our expert team includes people who have worked with therapists. They understand the challenges you face, and know the answers.

Jigsaw Finance

You may need finance with different types of lending for specific purposes. Because we cover the entire business lending market, we can help you find tailored jigsaw funding.

Getting government support

Government start-up funding can help provide the investment you need. At Rangewell, we can help you secure it.

Finance that can grow with you

Having flexible funding that can grow with you could help you make the most of the potential of your practice.

Download Rangewell’s free and detailed guide to starting a practice

Rangewell Ebook - Download Rangewell’s free and detailed guide to starting a practice
  • What finance is available for start-ups?

  • Can a loan get your business off the ground?

  • What are the real costs of finance?

  • Why it is important to find the right lender - and why most lenders can’t help

  • The downsides of borrowing - a balanced view

  • What are Guarantees and Security?

  • Key terms to check

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Lenders may be reluctant

Some lenders will not lend to a start up, because you have no trading history. Those that do may expect a higher interest rate to cover their risk .

Funding must be repaid from profits

If you secure lending to launch your business, you will have to repay it before you can show a profit.

Your assets may be at risk

If you take out a secured loan based on the value of your home and your business failed, you might be forced to sell your house?

Our service is...


Transparent and independent, treating all lenders equally, finding the best deals.


Every type of finance for every type of business from the entire market - over 300 lenders.


Specialist Finance Experts support you every step of the way.


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