Your schedule is full even if your credit is not perfect. FICO 500+ considered, soft pull to start, and no tax returns needed.
See My OptionsPractice Funding, Credit Flexible
School debt and startup costs can weigh on credit. We review about three months of bank statements to see how your practice actually runs, then show the full repayment amount up front.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
A 5-minute application and about three months of statements. Funding in as little as 24 hours for qualified practices.
FICO 500+ is considered. Steady patient and insurance deposits weigh heavily in our review.
Your offer shows the full repayment amount before you accept, and nothing new appears after you sign.
Your offer lays out the repayment schedule clearly, so you can plan before you commit.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Plenty of chiropractors carry credit scars that have nothing to do with how well the practice runs. Student loans from chiropractic school, startup costs from opening the first office, and a rough year of slow reimbursements can all pull a score down. Meanwhile, the schedule is full and patients keep coming back.
We understand that gap. FICO 500+ is considered, and your credit is only one part of what we review. The larger part is the deposit history in your business account.
When credit is weaker, funders look harder at other signals. In our review, those include:
None of these is judged on its own. We look at how they fit together. Our chiropractor qualification guide covers this in more depth.
A credit-flexible approach applies across our products:
You need about three months of business bank statements. No tax returns are required. The application takes about five minutes, and we start with a soft credit pull so checking your options does not affect your score. Sole proprietors can apply.
It also helps to know what the funds are for. A specific purpose, like hiring an associate or adding a rehab area, makes the request easier to evaluate than a general cushion.
When you are ready, start your application. Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses. Funding ranges from $25,000 to $5,000,000, depending mainly on your deposits and existing obligations. Your offer shows the full repayment amount and schedule before you accept.
If you are not ready today, a few months of clean, consistent deposits can strengthen your file. Fewer overdrafts and timely claim submissions both show up in the statements we review.
FICO 500+ is considered. We weigh your score alongside your deposit history and existing obligations.
No. We start with a soft credit pull, which does not affect your score.
Your credit file is one factor. The strength and consistency of your practice's deposits carry significant weight.
No. We review about three months of business bank statements.
Yes. Sole proprietors can apply.
We look at the full picture rather than a single item. Recent deposit history, balances and existing obligations are weighed together with your credit file.
Example uses for illustration only.
Practices with weaker credit can take these steps to strengthen their file.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding