The Pinch Points
Why Chiropractic Practices Come to Us for Capital
Chiropractic is two practices in one — the insurance work that pays in sixty days and the cash-pay wellness side that pays at the visit — and growth runs on both. Our lenders read your collections across both books, not a perfect credit file. Sound familiar?
The Service You Can’t Offer Yet
Patients ask for spinal decompression and you refer them out — a decompression table is $40K–$50K, and it adds a cash-pay service line that pays at the visit.
The Imaging Decision
Sending X-rays out slows diagnosis and care plans; a digital X-ray system is $55K–$65K and keeps imaging — and the revenue — in-house.
The Insurance-Versus-Cash Timing
The insurance side reimburses 30–60 days out while the cash-pay wellness side pays same-day — and the practice carries the timing gap on the insurance half, $15K–$35K in claims.
The Cash-Pay Membership Model
Wellness and maintenance memberships are the steady margin, but building that model means marketing and capacity at $5K–$15K a month before the recurring revenue matures.
The Multi-Disciplinary Add
Adding massage, rehab, or an NP turns a chiro office into a wellness center — $8K–$20K a month in staff and space funded before the new services fill.
Opening or Buying a Second Location
A second office or buying a retiring DC’s practice is a $150K–$350K move that won’t wait on a slow approval queue.
What an operator said
“Adding decompression gave us a cash-pay service that doesn’t wait on an insurer, and the membership model we built around it smoothed everything out. The insurance side stopped being the thing that decided whether we made payroll.”
Dr. Tran · chiropractic & wellness · Castle Rock, CO
Start Here
See Your Range in 60 Seconds
No credit check, no documents to start, and an estimated funding range on the spot. No one contacts you until you’re ready to move forward.
What Happens When You Start
Estimate Your Capital Range
Slide to your annual gross revenue. We size capital off your top line — not your credit score.
Estimated Capital Range
A conservative range based on 10-15% of annual revenue — many businesses qualify for more with strong receivables or assets behind them. Lenders return real term sheets once they see your file.
60 seconds · No obligation · Estimate only
Built for the Trade
What We Fund for Chiropractic Practices
Equipment Financing for Decompression & Imaging
Equipment financing funds the decompression table and digital X-ray with §179 write-off ahead of the down payment.
Working Capital for the Cash-Pay Pivot
Working capital funds the marketing and capacity to build the recurring wellness-membership model.
A Line Against Insurance Receivables
A working line advances against the insurance side’s claims so the timing gap doesn’t strain the practice.
Revenue-Based Acquisition Capital
Open a second office or buy a practice on revenue-based, capital-stacked financing — on revenue, not an SBA queue.
Match Your Situation
The Funding Gaps We Close for Chiropractic Practices
Match your situation to the structure. Every one of these funds on your practice’s revenue and collections, not a perfect credit file.
| What It Looks Like | Funding Solution | Amount | Speed | |
|---|---|---|---|---|
| Banks want collateral and audited books | Revenue underwriting across insurance and cash-pay. | Equipment Financing | $75K–$5M+ | 3–7 days |
| The insurance half pays 30–60 days out | A line advances against the receivables. | Business LOC | $75K–$5M+ | 1–5 days |
| Equipment is cash out before it adds a service | Equipment financing funds it, §179 to you. | Equipment Financing | $75K–$5M+ | 3–7 days |
The Products
How Chiropractic Financing Is Structured
Most chiropractic files fund between $75K and $5M+, structured to the equipment that adds a service, the cash-pay build, or the insurance-receivable gap. Larger lines available when revenue, cash flow, and story qualify.
| Amount | Term | Best For | Funding Speed | Typical Structure | |
|---|---|---|---|---|---|
| Equipment Financing | $75K–$5M+ | 2yr–7yr | Decompression table, digital X-ray | 3–7 days | Device serves as collateral |
| Working Capital | $75K–$5M+ | 6mo–10yr | Cash-pay membership build | 1–3 days | Often unsecured, daily/weekly ACH |
| Business LOC | $75K–$5M+ | Revolving | Insurance-receivable timing | 1–5 days | Unsecured line, no PG by default |
| Invoice Factoring | $75K–$5M+ | Per invoice | Aging insurance claims | 1–2 days | Receivables secure the line |
Tax Strategy
Section 179 on Chiropractic Equipment — Worked
If last year was strong and you’re about to write a check to the IRS — stop. Acquire qualifying equipment with as little as 10% down, finance the rest, and write off the full purchase price in year one. Section 179 covers it up to the annual cap; 100% bonus depreciation — made permanent in 2025, with no cap and no income limit — carries the rest.
At the top bracket, that first-year deduction can return meaningful tax savings — and for an established business with strong cash flow, it’s the difference between writing a check to the IRS and putting the same money into your own equipment. Your CPA models the exact numbers for your bracket and structure.
Worked scenario · top bracket · illustrative
You financed the machine and put down a fraction of its price — but you deduct the full price in year one. The write-off is bigger than your down payment, and the equipment keeps working the whole time.
Scales with your numbers
Illustrative only. Actual savings depend on your tax bracket, entity type, state conformity, and CPA guidance. Section 179 and bonus depreciation are elections your CPA makes for your situation; above the Section 179 cap, 100% bonus depreciation carries the balance.
Terms reflect credit, revenue, time in business, and each lender. Every file is unique — see what the desk structures for yours in the 60-second qualifier.
Bobby’s Take
“Chiropractic is two practices in one — the insurance work that pays in sixty days and the cash-pay wellness side that pays at the visit — and growth runs on both. A decompression table or a digital X-ray adds a service line that pays same-day, and a membership model turns one-time patients into recurring revenue. We fund the equipment and the build on what the practice earns, with the §179 write-off on the table and the X-ray landing in your favor. The gear that adds the service, and the deduction, same year.”
Bobby Friel · Founder · 20+ years in banking and finance
How It Works
From Application to Funded
One application, 70+ lenders competing, a dedicated specialist, and most files funded in days.
60-second estimate
Enter your numbers — no credit check, no documents. You see an estimated funding range on the spot.
A specialist is assigned
A real funding specialist — not an algorithm — reviews your file, usually within 24 hours.
70+ lenders compete
Your application goes to the marketplace. Competing offers typically land 24–48 hours later.
You pick the offer
Compare structures and terms with your advisor. No obligation until you choose to sign.
Funded in days
From same-day working capital to a multi-piece stack, most files fund in days — not the bank’s 60–90.
Underwriting
What Underwriting Looks At
Funding here leads with what your business actually does — your revenue and cash flow. The specialist desk reads the real picture from your statements, then matches it to the lenders most likely to fund it.
How you’re evaluated
Revenue-first
sized off your top line, not just your balance sheet.
Cash-flow driven
your bank statements show how the business really runs.
Bank-statement underwriting
even a down year is read off 4 months of statements.
Story-driven
a big new contract, a seasonal swing, a turnaround in progress: context the raw numbers miss counts too.
What to have ready
↳Had a loss year? It’s read off the bank statements — 4 months, not 6.
Start fast, finish complete
The operators who fund quickest come to the specialist review with these ready — but you don’t need all of it to start. Your signed application and bank statements are what unblock the review; the rest can follow as trailing docs. Real term sheets come once the lenders can see a true business overview, so the move is simple: get the application and statements in right away, and don’t let a missing tax return hold up your term sheets.
Credit, straight
Qualification
Who Gets Funded — and Who’s Not Ready Yet
A straight read saves everyone time — here’s the line between a chiropractic file that funds and one that isn’t ready yet.
↳Time in business is a factor, not a gate — newer crews with strong revenue still qualify.
Not ready yet isn’t a no — it’s a checklist. Most of it is fixable in a quarter or two, and your advisor will tell you straight which gaps to fix before a file goes in.
The Operator's Guide
Chiropractic Practice & Equipment Financing
Two Practices in One
Chiropractic blends insurance work and cash-pay wellness, and growth runs on both — the equipment that adds a service and the model that keeps patients on a plan. A decompression table or a digital X-ray adds a cash-pay service line that pays at the visit, and a membership model turns one-time patients into recurring revenue. We fund the equipment and the build on what the practice earns across both books, and a working line advances against the insurance side’s claims so the timing gap doesn’t strain the practice.
One Application, 70+ Lenders
Whether it’s equipment financing for the decompression table and digital X-ray, working capital to build the cash-pay membership model, or revenue-based capital to open a second office or buy a practice, we connect you with 70+ lenders who fund medical practices every week. Working capital, lines of credit, equipment financing, and receivables advances — $75K to $5M+, on your revenue, with §179 writing off qualifying equipment the year it’s placed in service. One application, soft-pull review to start.
Common Questions
Chiropractic Financing — Questions, Answered
Yes — approval is on collections across both books, not equipment resale.
Yes — working capital funds the marketing and capacity while the recurring revenue matures.
A qualifying purchase placed in service can generally be written off the year it’s working; your CPA models the bracket.
A signed application plus four months of bank statements, a P&L, a balance sheet, and two years of returns. If recent years show losses, the specialist desk can underwrite on four months of bank statements.
Yes — a second location or buy-in is structured revenue-based and capital-stacked on revenue, not as an SBA 7(a) loan.
Recommended Funding
The Products That Fit Chiropractic Work
Equipment Financing →
Finance the decompression table and digital X-ray — §179 included.
Working Capital Loans →
Build the cash-pay membership model’s marketing and capacity.
Business Line of Credit →
Draw against the insurance side’s receivables across the timing gap.
Invoice Factoring →
Advance against aging insurance claims instead of waiting on the carrier.
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