77 City Centre Dr Suite 501, Mississauga, ON
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MON-FRI: 8:00-9:00 PM EST
SAT: 8:00-4:00 PM EST
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(437) 777-5901
(437) 777-5901
Outfitting or expanding a Canadian physiotherapy, chiropractic, or multidisciplinary rehab clinic is capital-intensive. From high-end treatment tables and shockwave/laser units to gait analysis, hydrotherapy, CPM, and clinic IT, costs add up—before you even staff up or market new programs. The right lease can preserve cash, align payments to revenue, and keep you current as modalities evolve.
At Mehmi Financial Group, we finance (and where appropriate, sell) clinic and rehab equipment directly. As both a financing partner and a seller, we structure milestone funding, bundle soft costs (delivery, install, training), and move quickly—often with decisions in 24–48 hours. If you’d like a second set of eyes on your file or a side-by-side of lease types, feel free to contact our credit analysts.
Preserve working capital. Keep cash for payroll, marketing, and room conversions rather than tying it up in devices.
Match cost to revenue. Step-up or seasonal payments align with patient demand (e.g., sports seasons, post-op waves).
Tech refresh. FMV leases let you upgrade earlier as treatment protocols or patient expectations change.
Tax treatment. Many clinics prefer predictable monthly expenses instead of depreciating assets—talk to your accountant for specifics.
Run quick numbers with our payment calculator. For structure advice, see Financing & Leasing.
Soft costs are often eligible. We routinely bundle install, training and warranty into one facility so your cash isn’t trapped mid-project.
Not sure which fits? Compare with our calculator and explore Refinancing & Sale-Leaseback.
Clinical case for the asset. What patient cohort or service line does it unlock? Show utilization assumptions (visits/week, fee per session, payor mix).
Cash-flow coverage. 6–12 months of bank statements and financials; lenders look for stable deposits and ability to cover the new payment.
Sponsor strength. Guarantor credit depth and healthcare track record matter—especially for new PCs or expansions.
Vendor & warranty. Mainstream equipment with active support/warranty improves approval odds. We can sell or source suitable units and align coverage.
Exit value. For high-ticket items, lenders assess resale liquidity. FMV leases ease this concern and can improve pricing.
When cash flow is tight during ramp-up, consider layering in a revolving facility via Line of Credit & Working Capital.
Improved performance? We can revisit pricing later via Refinancing.
Startups. Strong sponsors, credible referral plan, and phased equipment lists are your friends. Consider staging devices across two draws to align with patient ramp.
Established clinics. Sale-leaseback of paid-off tables/equipment can fund new modalities without overdrawing cash.
Groups/MSK networks. Progress-funding with pre-approved vendor SKUs streamlines multi-site rollouts and standardizes monthly cost per room.
We routinely pair equipment leases with modest working-capital buffers using a revolving line: Equipment Line of Credit.
Refurb or demo units can cut costs 20–40% with minimal compromise when quality and support are verified. Lenders will look for:
If you’re switching vendors mid-quote, we’ll keep your approval intact and reissue milestone schedules to the new supplier. When suitable inventory is available, we can sell and finance the package directly—one contract, faster delivery.
Used together, these tools shorten the path from “signed lease” to “fully utilized schedule.”
Send what you have—we’ll stage the rest. For a quick estimate of payments, try the calculator.
A two-therapist clinic wanted to add shockwave + class-IV laser and upgrade to hi-low tables. Total package with install and training: $118,000.
Challenges: Seasonal cash swings, leasehold updates, and limited time for paperwork.
Structure: 60-month FMV lease with 3-month step-up (reduced payments during marketing ramp), soft costs bundled, and small LOC overlay to cover ad spend.
Outcome: New services launched within six weeks; average visits per day rose 22% by month four. After 12 months of clean performance, we trimmed the rate via a simple refinance, dropping monthly cost ~9%.
Because we both sell select commercial assets and finance equipment, you avoid multi-party delays. We’ll quote the package, coordinate delivery and training, and stage payments to acceptance—then revisit pricing once volumes stabilize. If you’ve already chosen equipment, we’ll underwrite financing and handle milestone payouts to your vendor.
Explore options:
Can I lease treatment tables and small items, or just big devices?
Both. We frequently bundle tables, small devices, install, training, and warranties into one facility.
What credit score is “good enough” for a clinic lease?
Many lenders like 650+, but strong cash flow, stable deposits, and healthcare experience can offset thinner credit.
Do lenders finance refurbished devices?
Yes—with documented refurbishment, warranty, and support. It’s common to add an inspection.
How fast can we be approved and funded?
With a complete package, approvals can be issued quickly and vendors paid on delivery/acceptance. Try the calculator for a payment preview.
Can I lower payments later?
Often. If performance improves, we can explore refinancing to reduce monthly cost.
If you’re weighing FMV vs. $10 buyout—or deciding whether to include marketing/fit-out in the same lease—feel free to contact our credit analysts for tailored guidance. You can estimate payments in minutes with our calculator or start a conversation here: Contact Us.
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