How to finance a Physical Therapy NOW in Florida

State:

The SBA 7(a) lenders funding the most Physical Therapy NOW deals in Florida, from public loan records — typical Physical Therapy NOW loan about $251K. A bank already funding the brand in your state knows it twice over.

Deal economics— what it takes to buy & finance Physical Therapy NOW in Florida

$251K

Typical loan

range $150K–$260K

$279K

Est. purchase price

≈ loan ÷ 90%

$37,258

Cash to close

$27,856 down + fees

$3,453/mo

Typical payment

~11% · 10yr

$47,651/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

82 days

Typical time to fund

Lenders competing

more = leverage

9.4%

Avg rate on record

cap ~9.75%

Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.

Most active with Physical Therapy NOW in Florida

Ranked by funded Physical Therapy NOW loans in Florida. Tap a lender for its full record, or hit Get in touch for an introduction.

1.149 loans · $135M · Mukwonago, WIFull record →
2.575 loans · $220M · De Graff, OHFull record →

5+ funded Physical Therapy NOW in Florida deals

Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.

Bellanie Investment LLC in Hallandale Beach, FL — $260K (2025) · Citizens Bank
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$195K (75%)
Approval → funding
96 days
Approved
3/13/2025
First disbursed
6/17/2025
Loan status
Paid in full (1/31/2026)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
2
Business age
Startup, Loan Funds will Open Business
Industry
Offices of Physical, Occupational and Speech Therapists, and
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
Physical Therapy Now The Villages, LLC in The Villages, FL — $312K (2024) · Citizens Bank
Program
Preferred Lenders Program
Rate at approval
11.5% variable
Term
126 months
SBA guaranteed
$234K (75%)
Approval → funding
82 days
Approved
4/11/2024
First disbursed
7/2/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
6
Business age
Startup, Loan Funds will Open Business
Industry
Offices of Physical, Occupational and Speech Therapists, and
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
NVS MANAGEMENT, LLC in Land O Lakes, FL — $251K (2024) · Citizens Bank
Program
Preferred Lenders Program
Rate at approval
11.5% variable
Term
123 months
SBA guaranteed
$188K (75%)
Approval → funding
74 days
Approved
3/30/2024
First disbursed
6/12/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
4
Business age
Startup, Loan Funds will Open Business
Industry
Offices of Physical, Occupational and Speech Therapists, and
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
Johner Therapy Inc in Bryson City, FL — $150K (2020) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
94 days
Approved
4/28/2020
First disbursed
7/31/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
2
Business age
Startup, Loan Funds will Open Business
Industry
Offices of Physical, Occupational and Speech Therapists, and
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
MAXWELLNESS PHYSICAL THERAPY LLC in Miami, FL — $150K (2020) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
15 days
Approved
1/16/2020
First disbursed
1/31/2020
Loan status
Paid in full (6/30/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
4
Business age
Existing or more than 2 years old
Industry
Offices of Physical, Occupational and Speech Therapists, and
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal

Buying a Physical Therapy NOW in Florida? Start with a lender that funds them here

We'll point you to the SBA lenders already financing this brand in your state — and help you make them compete on rate and speed.

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CapBench analysis of public SBA 7(a) lending records; ranked by funded Physical Therapy NOW loans with a Florida project address. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Physical Therapy NOW purchase in Florida with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Florida deals. Citizens Bank funds the most here. CapBench is not a lender.

$251K typical Physical Therapy NOW loan
2 lenders active in Florida
5+ funded Florida deals
82 days typical to fund

Buyers buying a Physical Therapy NOW in Florida typically pre-qualify, then ask CapBench to introduce a lender already funding the brand here — free for buyers; agents submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker All Physical Therapy NOW lenders

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-18.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/franchise/physical-therapy-now/florida
API:: https://www.capbench.com/api/public/lenders?franchise=physical-therapy-now
Methodology:: Sources & methodology

Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
Figures come from public records and CapBench methodology; verify before relying on them.