Business funding for chiropractic and physiotherapy clinics
Chiropractic and physio clinics buy treatment tables and modalities up front, build out treatment rooms to code, and often wait on insurers or extended health plans to pay claims. Card sales for copays and cash-pay visits are steady, but the bigger costs are usually the equipment and the space.
- One application, several lenders
- No credit pull to see your options
- No fee to you, ever
Common funding needs
- Treatment tables, TENS, laser or other modality equipment
- Leasehold improvements to add treatment rooms
- Working capital while insurance claims are processed
- Buying into or opening a second clinic
What usually fits
Products that usually fit
- Equipment financing for tables and modality equipment.
- Term loan for a build-out or second location.
- Line of credit for timing gaps on insurance and extended health payments.
- Working capital for short-term gaps.
Compare term loans, lines of credit, cash advances and equipment financing side by side →
Illustrative example
A worked example
A clinic finances $35,000 of treatment tables and modality equipment over 4 years at an illustrative 8-18% a year. Payments come to about $854–$1,028 a month, or $41,014–$49,350 total.
Most clinics compare that monthly payment with the added treatment slots the new equipment makes possible before committing.
Illustrative example only, not an offer or a quote. Rates, fees and terms are set by each lender and depend on your business. Fees are not included unless stated.
Underwriting
What lenders look at
- Monthly deposits, including insurance, extended health and cash-pay visits
- Time in practice and at the current location
- Proof of licence to practise
- Existing equipment payments
- Owner credit
Honestly
Who this is not for
- Personal or patient financing: we only refer business financing for the clinic itself
- A clinic that just opened with no deposit history
- Short-term, expensive money for equipment that will be used for years
If borrowing does not make sense, we will say so.
Are you a match?
Lender network minimums
Close but not quite there? Apply anyway and we will tell you honestly what is possible.
*Best available terms from lenders in our network. Every lender sets its own criteria; approval, amount and funding time are decided by the lender and not guaranteed.
| Time in business | 1 year+ |
|---|---|
| Monthly bank deposits | $20,000+ |
| Credit score | 500+ |
| Bank account | Business |
| Fee to you | $0 |
| Credit pull to start | None |
FAQ
Chiropractic & physiotherapy funding questions
Can a new clinic get equipment financing?
Sometimes, often with a down payment. Government-backed loans can also cover equipment and leasehold improvements for newer practices.
Do you arrange patient financing?
No. We only refer business financing for the practice itself, never consumer financing for patients.
Do lenders need patient information?
No. Lenders look at business bank statements and financials. Never send patient records.
Can I finance a build-out for new treatment rooms?
Yes, that is usually financed as a term loan, sized to the renovation quote.
Guides
Guides for chiropractic & physiotherapy
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Where we work: all US states · all Canadian provinces
See your options
Two minutes, no credit pull, no fee. We come back with real options from lenders that fit.