Ep840 | The Mindset Needed To Invest In Your Own Clinic

The Debt Mindset Shift You Need to Scale Your Clinic

In this episode, Danny breaks down one of the most overlooked barriers to growth: fear of debt. He shares hard-earned lessons from building his own clinic and working with 1,000+ others—and explains why your mindset around borrowing can make or break your business as you grow past the lifestyle phase.

🎯 Topics Covered

• Why PTs are so debt-averse (and why it makes sense)
• How bootstrapping can hurt your growth
• The real risks of borrowing vs. self-funding
• Why strategic debt isn’t bad—it’s a business investment
• The scary truth about growing from 1 to 3+ employees
• How to push through the “profit dip” and build a real business
• The mindset shift from clinician to CEO/investor

💡 Key Quotes "You're a business owner now. Think like an investor—not just a clinician who happens to own a business." "Bootstrapping your growth sounds noble, but it’s usually just slower and more stressful." "Borrow in a position of strength, not when you’re desperate. That’s when banks will actually lend to you." "Push through the tough stage as fast as you can. Profit comes back. Freedom follows." 🧠 Pro Tips

• Start lean—but don’t try to scale lean. Growth needs capital.
• Use debt strategically to accelerate team building and capacity.
• Expect your profits to dip before they rise again—it’s normal.
• Borrow when you’re stable, not scrambling—it puts you in control.
• If you want a scalable clinic, shift your identity to business owner/investor.

🔗 Resources & Links

• PT Biz Website – Get expert coaching to start and scale your clinic
• Join the 5-Day Challenge – Build your practice with clarity and momentum
• Get the PT Biz Book – Learn how 240+ clinicians grew their dream practice (many with smart debt)
• PT Biz YouTube Channel – Weekly insights on business growth and strategy

🧭 Final Thought

If you want to build a practice that gives you freedom—financial, time, and impact—you can’t stay stuck in a debt-avoidant mindset. Learn to think like an investor. Borrow wisely. Grow faster. And build the business you were meant to run.