Funding Your PT Clinic Expansion: SBA Loans vs. Lines of Credit

Thinking about expanding your clinic but unsure how to finance it? In this episode, Doc Danny breaks down the two most common and effective ways to fund growth: lines of credit and SBA expansion loans.

🔑 Key Takeaways

• Preserve Your Cash – Cash is your business's lifeline. Instead of bootstrapping expansion, borrow smart and keep cash reserves for flexibility and survival.
• Line of Credit: Fast & Flexible – Ideal for small, variable-cost expansions or extra cash buffers. Flexible repayment, quick access, and higher interest tied to the prime rate.
• SBA Expansion Loan: Bigger Growth Projects – Best for major build-outs or clinic acquisitions. Offers lump-sum funding (up to $500K), set monthly payments, and 10-year terms.
• Strategic Use Is Key – Don’t borrow unless you’re clear on ROI, hiring plans, and expansion metrics. Structure beats guessing—every time.
• You Can Use Both – Many smart owners keep a line of credit for cash flow and use an SBA loan for major projects. The key is knowing what to use and when.

💬 Real Talk from Doc Danny “Cash is like extra lives in Mario. If you burn through all of it trying to grow, and something unexpected hits—you’re out of the game.” 🔥 Ready to Scale the Smart Way?

• ✅ Learn when to use a Line of Credit vs. an SBA Expansion Loan
• ✅ Avoid costly mistakes during your first major growth phase
• ✅ Discover how to use borrowed money to build lasting assets

Need help figuring out your financing strategy?

• → Join the Free 5-Day PT Biz Challenge
• → Book a Free Discovery Call
• → Listen to the Full Episode

Expansion doesn’t have to be risky—if you understand the tools at your disposal. Listen in and get equipped to grow with confidence.