Physical Therapy & Rehabilitation Equipment Financing:
Clinic Buildouts and Expansion.

iLease Capital finances physical therapy and rehabilitation equipment, from treatment tables, therapeutic ultrasound and electrical stimulation units to Class IV therapy lasers, shockwave systems, motorized traction, aquatic and underwater treadmills, balance and gait systems and full rehab gym packages. Rehab is a category where the individual devices are inexpensive but the complete clinic adds up quickly and the smartest deals usually bundle many small items with one or two big modalities into a single payment. If you are pricing equipment for a new clinic or an existing one, you can talk it through with a specialist at (866) 545-3273.

iLease Capital finances rehabilitation equipment for outpatient physical therapy clinics, sports medicine and orthopedic practices, chiropractic offices, hospital rehab departments and multi-location groups and financing may be available for transactions up to $5 million plus with no minimum floor. As a broker with more than 50 lender relationships rather than a single direct lender, iLease can match a rehab clinic to a funding partner that understands both the small-ticket devices and the big-ticket modalities, which matters because the collateral profile of a $500 treatment table is nothing like that of a $150,000 aquatic system. This guide breaks rehab equipment down by category, with current market price ranges, how a full clinic buildout is packaged and why a second location is one of the most common deals we see. For the broader clinical picture, see our medical equipment financing hub.

Treatment Tables and Plinths

Treatment tables are the foundation of any clinic and the most affordable line item to finance. Economy plinths start around $500, while powered hi-lo tables and motorized traction tables run to roughly $6,000 at the top end. The used market is active, with tables commonly available from $300 to $2,500 depending on age, mechanism and condition. A single table is a small purchase, so on its own it rarely justifies a standalone lease, but a clinic buying six or eight tables at once is a different matter and tables are almost always folded into the larger equipment package. For a smaller top-up purchase, a table or two may qualify for application-only financing.

Therapeutic Ultrasound and Electrical Stimulation

Therapeutic ultrasound and electrical stimulation are the workhorse modalities of a rehab clinic. Clinical ultrasound units commonly run $1,500 to $4,000 new, with three-applicator and combination models at the top of that range and used units are widely available for $500 to $1,500. Electrical stimulation and combination stim-plus-ultrasound units run roughly $1,500 to $5,000 new, with the combination systems commanding the higher figures and used units typically $800 to $2,500. These devices are inexpensive, liquid and easy to redeploy, so financing leans on the borrower rather than the collateral and several of them are usually aggregated with tables and other small items into one clean transaction.

Class IV Therapy Lasers

Class IV therapy lasers are one of the clearest revenue-generating add-ons in rehab, which makes them a natural financing candidate. New systems commonly run $10,000 to $60,000, with premium branded units reaching the higher end of that range, while used units are often available from roughly $8,000 to $30,000. Because a laser brings a billable service in-house that can generate revenue per session, the monthly payment can be weighed directly against the treatment income the device produces, so a practice does not have to tie up cash to add the capability. On a used laser, the condition, the treatment hours on the unit and whether the software and protocols are current all affect value.

Shockwave Therapy Units

Shockwave, or extracorporeal shockwave therapy, splits into two tiers by technology. Radial pressure-wave units are the more affordable option and commonly start around $5,000, while focused shockwave systems run to roughly $60,000 and premium configurations may be quoted higher still. The used market runs from a few thousand dollars to around $40,000 depending on the type and condition. Like a therapy laser, a shockwave unit is a discrete revenue add-on, so it is often financed as a standalone piece and evaluated against the per-session income it generates. Handpiece condition and any consumable or applicator wear are worth confirming on a used system, since those affect both function and value.

Spinal Decompression and Traction

Traction and spinal decompression range widely by capability. Clinical motorized systems for cervical and lumbar traction commonly run $3,000 to $12,000 new, with the more sophisticated computerized decompression tables at the upper end and used clinical units are available for roughly $1,500 to $6,000. Simple home and portable traction devices are far cheaper, running a few hundred dollars to about $1,000. For a clinic, a decompression table is often bundled with treatment tables and the other core equipment, though a higher-end computerized system can be significant enough to weigh on its own. As with any powered device, documented condition and working software support better terms on a used unit.

Aquatic and Underwater Treadmills

Aquatic therapy is the big-ticket outlier in a rehab clinic and often the reason a practice calls about financing in the first place. Freestanding underwater treadmill units are frequently quoted in the range of $30,000 to $70,000, while in-ground installations that include a pool structure can reach $100,000 to $250,000 or more once the site work is factored in. These figures move with the configuration and vendors commonly quote-gate the systems while encouraging a lease, so the exact price depends on the specific build. An aquatic system can cost more than the entire rest of the clinic, so it is often financed as its own transaction, with the installation and site work presented alongside the equipment so the financing reflects the complete project.

Hydrotherapy Whirlpools

Hydrotherapy whirlpools remain common in rehab and burn or wound care. Extremity tanks start around $2,500, while full-body and low-boy whirlpools run to $15,000 or more new, with used units commonly available from $1,500 to $6,000. Whirlpools are relatively simple assets, so financing is straightforward and they are usually included in a broader equipment package rather than financed alone. Where a larger installed system needs plumbing or drainage work, that site cost is worth putting on the quote so the financing can reflect what it takes to put the unit into service.

Exercise, Strength and Rehab Gym Equipment

The active-therapy side of a clinic is built on exercise and strength equipment, from treadmills, bikes and ellipticals to cable columns, functional trainers, free weights and specialized rehab machines. A full gym package commonly runs $10,000 to $50,000 new depending on the size of the space and the mix of machines, with used packages available for roughly $5,000 to $25,000. This equipment is durable, has a deep secondary market and is easy to value, which makes it a comfortable component of a financing package. A clinic outfitting its exercise floor usually buys a mix of items at once, so this equipment is typically bundled with the tables and modalities into one payment.

Balance and Gait Systems

Balance and gait training systems bring computerized assessment and neuromuscular retraining into the clinic. New systems commonly run in the range of $6,000 to $25,000 depending on the platform and software, with an established balance-assessment system often landing in the middle of that band and used units available for roughly $3,000 to $12,000. These are software-driven devices, so on a used system it is worth confirming that the software version is current and transferable, because an outdated or non-transferable license can reduce both function and value. A balance system is usually one component of a larger neuro or ortho rehab package.

New Versus Used in a Rehab Clinic

Rehabilitation is one of the friendliest categories in medical equipment for buying used, because the core devices are mechanically simple and hold up well. The secondary market for treatment tables, therapeutic ultrasound, electrical stimulation units, hydrotherapy tanks and balance systems is deep, with used pricing frequently running 30 to 70 percent below new and a well-maintained used device often performs identically to a new one. That makes a mixed approach common, where a practice buys the workhorse items used to control cost and puts its budget toward a new therapy laser, shockwave unit or aquatic system where the latest technology and full warranty matter most. Financing accommodates either path and a single transaction can combine new and used items without difficulty. The main point of care on used equipment is documentation, because a device with a clear history, current software where it applies and evidence of servicing is easier to value and to finance than an undocumented gray-market unit. Presenting the condition and history of the higher-value used items up front lets the deal be structured on accurate footing.

Financing a Full Clinic Buildout as One Package

One of the most useful things a physical therapy practice can do is treat the clinic as a single project rather than a stack of separate purchases. A basic buildout, with tables, core modalities, a modest exercise floor and the smaller devices, commonly runs $15,000 to $60,000 and once a therapy laser, shockwave unit or aquatic system is added it can reach $50,000 to $200,000 or more. Packaging the whole clinic into one transaction means one application, one payment and one funding partner rather than a dozen small deals and it lets the payment reflect the real cost of opening the doors. This approach also aggregates the many inexpensive items, the tables, the ultrasound and stim units, the smaller tools, with the one or two big modalities into a transaction that is worth structuring properly, which is where the value of financing a rehab clinic really shows.

Second-Location Expansion

Financing a second location is one of the most common rehab deals we see and often one of the most straightforward. An owner with an established, profitable first clinic re-equips a new site essentially from scratch, usually in the $30,000 to $100,000 range for a full second-clinic outfit. That existing track record works in the borrower's favor, because the practice has a demonstrated history operating exactly the same business, which is a strong position from an underwriting standpoint. Financing the second clinic rather than paying cash also preserves working capital for the new lease, tenant improvements, staffing and the months before the new location reaches full patient volume. Because expansion tends to recur as a group grows, we frequently work with the same practice across several locations, matching each buildout to a funding partner that fits the deal.

What Lenders Evaluate on Rehab Equipment

The evaluation shifts with the size of the asset. On the many small devices in a clinic, tables, therapeutic ultrasound, electrical stimulation and smaller tools, the equipment is inexpensive, liquid and easy to redeploy, so the transaction leans on the borrower rather than the collateral. On the higher-value items, therapy lasers, shockwave units, computerized decompression tables and aquatic systems, the age, condition, usage hours and software status of the asset carry more weight and anything built in, an in-ground pool or a plumbed hydrotherapy system, brings installation and site work into the picture. Software-driven systems benefit from a current, transferable license and any device with consumable handpieces or applicators is easier to value when its condition is documented. Across the board, bundling a full buildout into one package and documenting each item clearly makes the whole transaction smoother to structure.

Getting Started

Start your application at ileasecapital.com/apply, it takes about three minutes and there is no hard credit pull. The most useful details to have ready are the equipment list or vendor quote, whether the items are new or used, the ages of any higher-value modalities, the software or service status where it applies, the vendor or dealer, the purchase price and any installation or site work for aquatic or hydrotherapy systems. Smaller purchases may qualify for application-only financing, while a full buildout, a second location or an aquatic system is typically structured with additional documentation and can be presented as one project.

Financing Physical Therapy Equipment Through iLease Capital

iLease Capital works with physical therapy clinics, sports medicine and orthopedic practices, chiropractic offices and multi-location rehab groups acquiring new and used equipment across every category. As a broker with more than 50 lender relationships, iLease can match a clinic to a funding partner that understands both the small-ticket devices and the big-ticket modalities and financing may be available for transactions up to $5 million plus. Whether you are outfitting a first clinic, adding a therapy laser or shockwave unit, installing an aquatic system or opening a second location, send the equipment list and any site costs, or call us at (866) 545-3273. For the full range of clinical categories, see our medical equipment financing hub.

Frequently asked questions