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Physios & physiotherapy clinics · Ireland
Physio & physiotherapy
clinic business loans.
Invest in treatment equipment, improve your clinic or build the next stage of your physiotherapy practice. We help Irish physiotherapists compare equipment finance and business loans through specialist and non-bank lenders, without losing sight of the cash needed for rent, staff and everyday running costs.
Treatment & rehabilitation equipment
For eligible equipment used in physiotherapy, sports rehabilitation and clinical exercise.
- Treatment plinths and suitable electrotherapy or shockwave equipment
- Rehabilitation machines, exercise bikes and other eligible clinical exercise equipment
- Hire purchase or leasing on suitable new or used equipment
- No-deposit leasing available for smaller eligible items through one lender
- Other equipment-finance deals from €10,000, typically with a 10% dealer deposit
- Send a supplier quote; suitability depends on the equipment and lender
Clinic fit-outs & expansion
For established practices adding treatment rooms, moving premises or opening another clinic.
- Term loans can cover refurbishment, fit-out and wider premises costs
- At least 12 months trading and one full year's completed accounts
- Latest accounts showing €100,000 or more turnover and a net profit
- No recent missed payments on business bank statements
- The lender checks affordability and existing commitments
- Budget separately for equipment, installation and building work
Working capital & growing the practice
For the business costs of adding capacity and attracting patients.
- Recruitment, marketing, supplies and everyday working capital
- Unsecured term loans for practices meeting the completed-accounts criteria
- Flexible repayment options from 9 months trading with steady cash flow
- Around eight or more deposits a month for that flexible repayment option
- Compare total cost and repayment commitments against your clinic's cash flow
IT & everyday clinic systems
For eligible physical equipment supporting appointments and clinic operations.
- Computers, payment terminals and suitable security equipment
- Asset finance is for eligible equipment, not every software subscription or service cost
- Tell us if a deposit would put pressure on working capital
- The lender that asks for a 10% deposit can sometimes take a charge over an asset you already own to cover the deposit requirement, instead of you finding the cash.
- A business loan may be another option for wider expenditure, subject to eligibility
BusinessLoans.ie arranges business finance only, not personal loans. Unsecured term loans are not registered against property or business assets, but some lenders ask for a personal guarantee. All options depend on lender assessment.
Match the funding to your clinic plans
A new rehabilitation machine is a different investment from opening another treatment room. Compare asset finance for eligible equipment with term and flexible repayment loans for broader business costs. Allow for installation, staff training and any disruption to appointments.
If you are opening your first clinic, see our start-up and new-business finance page for early-stage support and the trading history needed for different lending options. We arrange finance for the business, not personal borrowing for treatment or healthcare costs.
Guides for your industry
16 October 2026
How to Secure Equipment Finance in Ireland: A Guide
Table of Contents How to Secure Equipment Finance in Ireland: Step-by-Step What You'll Need Before You Apply Types of Equipment Finance Available Equipment Finance Application Requirements Documents Lenders Typically Ask
Read guide →
21 April 2026
Working Capital Finance as Costs Rise for Irish SMEs
How Irish SMEs can manage rising costs and cash-flow gaps: compare working capital finance, understand interest-rate risk and check repayments before borrowing.
Read guide →
27 October 2026
How to Prepare a Cash Flow Forecast for Your Small Business
A step-by-step guide to building a 12-month cash flow forecast for your small business in Ireland, with a worked example, a simple template layout and tips for keeping a rolling forecast up to date.
Read guide →
Common questions
Can I finance physiotherapy treatment equipment?
Suitable treatment plinths, rehabilitation machines and specialist equipment may be considered for leasing or hire purchase. The lender reviews the supplier, equipment, value, age and your practice's financial position. Send a quote so we can check rather than assume every item qualifies.
Can finance cover a clinic fit-out or another location?
A term loan may cover refurbishment and wider premises costs for an established practice. Equipment finance may suit individual purchases. Term loans require at least 12 months trading, one full year's completed accounts, turnover of €100,000 or more, a net profit and no recent missed payments.
Do I need a deposit for equipment finance?
One lender offers no-deposit leasing on smaller eligible items. Other lenders generally consider deals from €10,000 with a 10% dealer deposit. The lender that asks for a 10% deposit can sometimes take a charge over an asset you already own to cover the deposit requirement, instead of you finding the cash. The item and lender determine the available option.
Can a new physiotherapy clinic apply?
Equipment-finance criteria vary by lender and purchase, so ask us to check a specific quote. Term loans need at least one full year's completed accounts as well as the turnover and profit criteria. For pre-trading cash funding, try a bank or Microfinance Ireland and check the National Enterprise Hub for supports.
What information should I send?
For equipment, send the supplier quote and recent business bank statements. For a business loan, include your latest completed accounts, the amount needed, its purpose and existing finance commitments. We will confirm any further documents the lender needs.
Do you charge a broker fee?
No. We do not charge clients a fee; lenders pay us a commission when funding completes. Lender interest and other charges are separate, so check the full offer before accepting.
Free to you. Lenders pay us a commission when your loan completes. How we get paid