Physical Therapy NOW
The total investment to open a Physical Therapy NOW franchise ranges from $150,000 to $260,000.
What is the Physical Therapy NOW franchise?
Physical Therapy NOW operates clinics that provide physical, occupational and speech therapy, along with audiology services. The estimated total initial investment to open is $150,000 to $260,000. Its customers are people seeking therapy or audiology care. The company is headquartered in Miami, Florida.
Loan Activity Score
35/100
SBA Default Rate
7.7%
Active Lenders
4
According to its Franchise Disclosure Document or public business records, Physical Therapy NOW has 11 locations, all owned by franchisees. Public SBA loan records show 4 lenders made 13 loans to franchisees of Physical Therapy NOW. PeerSense calculates Physical Therapy NOW's score as 35 out of 100, using public SBA loan performance and recent lending activity.
11 locations
$150,000 to $260,000
11
11 franchised
Proprietary PeerSense metric
FairDistinct lenders in public SBA records for Physical Therapy NOW
13
Total SBA loans
$186K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Physical Therapy NOW
Loan Activity Score Breakdown
Growing (10 to 24 loans)
Are lenders increasingly or decreasingly funding this brand? Growing trends score highest.
Blended default rate (recent + all time) compared to NAICS sector peers.
Quality lenders actively backing this brand, with penalty for lender pullback.
FDD availability, Item 19 disclosure, and overall data completeness.
Geographic spread of SBA funded locations across states.
SBA Lending Performance
SBA Default Rate
7.7%
vs 3.2% peer avg
SBA Loans
13
Total Volume
$2.4M
Active Lenders
4
States
4
vs. SBA Sector Average
SBA loan default rate vs. all franchises in the same NAICS sector, not limited to direct competitors
Key Highlights
Franchise Financing Resources
Data Insights
Key performance metrics for Physical Therapy NOW based on SBA lending data
SBA Default Rate
7.7%
4.5% above peer avg
SBA Loan Volume
13 loans
Across 4 lenders
Lender Diversity
4 lenders
Avg 3.3 loans per lender
Investment Tier
Mid range investment
$150,000 to $260,000 total
Physical Therapy NOW: Deep SBA Data
Brand specific metrics derived directly from SBA 7(a) approval records: peak lending year, leading state, average loan size, and lender concentration. PeerSense computes these per brand so capital advisors and prospective franchisees can benchmark this opportunity against the rest of the franchise universe.
Peak SBA Year
2019
5 approvals. The best year on record for Physical Therapy NOW.
Top SBA State
Florida
11 SBA financed Physical Therapy NOW locations, the densest operator footprint.
Average Loan Size
$186K
Median $150K. Use as a sizing anchor when modeling your own Physical Therapy NOW unit.
Lender Concentration
92.3%
Concentrated
Share of Physical Therapy NOW approvals captured by the top 3 SBA lenders.
Physical Therapy NOW's SBA lending pipeline peaked in 2019 (5 approvals). The last five fiscal years account for 31% of cumulative volume ($1.1M approved). Operator density is highest in Florida with 11 SBA financed locations. Average funded ticket sits at $186K, with the median at $150K. Lender mix is concentrated: the top three SBA lenders account for 92.3% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$1,553
Principal & Interest only
Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.
Locations
Physical Therapy NOW, unit breakdown
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Reviewed by Edward L. Freeman, Founder and Managing Director, PeerSense
- PeerSense is a capital advisory firm that places commercial financing with direct capital sources; the capital source sets final terms.
- Edward L. Freeman founded PeerSense in January 2020.
- He is a Registered Franchise Consultant with Business Alliance, Inc., a credential issued in March 2022, and worked as a franchise consultant there from March 2022 to May 2023.
- His recorded experience includes a $22 million SBA construction loan, with about $16 million funded on the deal.
- In the 12 months through September 30, 2026, PeerSense tracked 912 publicly announced financings with a disclosed size of $361.32 billion. PeerSense Capital Data Report · Methodology page
Last reviewed LinkedIn profileAbout Edward Freeman