Chiropractic Practice Funding

Capital for tables, decompression, imaging, buildout, payroll, marketing, or buying a practice — approved on your deposits, not your credit score. $10K to $5M, funded in as little as 24 hours.

When the practice is busy but the cash isn't there yet

You've got a new decompression table on backorder, a lease buildout that ran over, or payroll landing the same week insurance reimbursements are dragging 60 days behind. Chiropractic is a cash-flow business wrapped around slow-paying insurers and expensive equipment — and a bank loan officer who's never billed a CPT code in his life doesn't get that.

We do. We fund chiropractors on the money that actually moves through your practice — your bank deposits — not on a FICO score or two years of tax returns. Whether you're upgrading a Hill or Chattanooga table, adding spinal decompression, financing digital X-ray or a DEXA unit, building out a second location, covering payroll through a slow stretch, ramping up marketing, or buying an existing practice, the capital can be in your account fast.

How it works

• 1. Apply in minutes. Fill out a short application and connect the last few months of business bank statements. No 40-page package, no tax returns to dig up.
• 2. Soft-pull review. We check your deposits and cash flow with a soft credit pull — it does not affect your score. FICO 500+ is fine; we're looking at how the practice runs, not one number.
• 3. Funded, often in 24 hours. Approved offers can fund in as little as one business day. Use it for equipment, buildout, payroll, marketing, or an acquisition — it's working capital, you decide.

Real numbers and who qualifies

Funding runs from $10,000 to $5,000,000, sized to your practice's deposits. A solo DC pulling roughly $45K a month in collections might take $60,000 to buy a new spinal decompression table, cover the install, and run a 90-day new-patient marketing push. A two-location group doing $120K a month might draw $250,000 to build out a third clinic and staff it before it opens. Smaller needs work too — $15,000 to replace an aging X-ray unit or bridge payroll through a slow insurance cycle.

You'll generally qualify if you have a business bank account with steady deposits and a few months of operating history. FICO 500+ is acceptable, no collateral is needed for working capital, and checking your options is a soft pull that never touches your credit score.

Straight answers

Can I use this to finance chiropractic equipment specifically?

Yes. This is flexible working capital, so you can put it toward decompression and adjusting tables, digital imaging, laser or shockwave devices, EHR systems, or any other equipment. You're not locked into an equipment-only lease.

Will applying hurt my credit?

No. We check your eligibility with a soft pull, which has no effect on your credit score. A hard pull only happens later if you accept an offer and move forward.

My personal credit isn't great. Can I still get funded?

Often, yes. We approve based on your practice's bank deposits and cash flow. FICO 500+ is workable — a healthy, consistent revenue stream matters more here than a perfect score.

How fast can I actually get the money?

Approved deals can fund in as little as 24 hours. Timing depends on how quickly you send your bank statements and finalize the offer, but many chiropractors are funded within one to two business days.

Can I use this to buy an existing chiropractic practice?

Yes. Practice acquisitions, partner buyouts, and second-location expansions are all common uses. We'll size the amount to the deposits and the deal.

Do I need to put up collateral?

Not for working capital. There's no collateral requirement to get funded, so your equipment and personal assets stay yours.

Get your practice the capital it needs

Whether it's a new table, a buildout, payroll, marketing, or the practice down the street coming up for sale, you can see your options in minutes with no hit to your credit. Apply now and get an answer fast.