Keep associates, therapists and front desk staff paid on schedule while insurance and PI reimbursements catch up.
Check My OptionsChiropractic Payroll Capital
Chiropractic payroll runs on a fixed schedule while reimbursements do not. Working capital bridges the lag with light paperwork.
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 bank statements. No tax returns.
FICO 500+ is considered, and we start with a soft credit pull.
Your offer shows the full repayment amount before you accept, with no surprise costs after you sign.
The schedule is laid out in your offer, so you can plan around reimbursement timing.
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.
A chiropractic practice can be fully booked and still feel tight on payroll day. Patient copays come in at the visit, but insurance reimbursements, personal injury cases and some cash-plan arrangements pay on their own schedule. Meanwhile associate doctors, massage therapists, rehab aides and front desk staff are paid every week or two, without exception.
When claims slow down because of a billing change, a payer backlog or a batch of denials being reworked, the gap shows up first in payroll.
We provide working capital that practices use to:
If the gap recurs, a business line of credit for chiropractors lets you draw only for the cycles that need it.
We are built for established practices with steady deposits. We look at about three months of business bank statements to see collections as they actually land. No tax returns are required. FICO scores of 500 and up are considered, we start with a soft credit pull, and sole proprietors can apply, which matters for many solo practices. Funding ranges from $25,000 to $5,000,000.
For illustration: a two-doctor practice switches billing vendors, and for several weeks claims go out late while the new system is set up. Patient visits stay steady, but insurance deposits drop while the backlog clears. Payroll for the associate, two therapists and the front desk does not move. Working capital covers those payroll cycles, and repayment comes as the delayed claims are paid. Actual amounts depend on your deposits and existing obligations. Once claims flow normally again, many practices find they need less than they first expected.
The offer shows the full repayment amount and the schedule up front. Compare it to your typical reimbursement lag: if claims usually clear within a few weeks, a short bridge may be enough. Our chiropractor cash flow guide covers managing that lag. Decisions move fast, and qualified practices can be funded in as little as 24 hours. Start your application.
Yes. Sole proprietors can apply, provided the practice has steady deposits in a business bank account.
We review about three months of business bank statements, which show collections as they are actually deposited.
No tax returns are required.
Decisions move fast, and qualified practices can be funded in as little as 24 hours.
FICO scores of 500 and above are considered, and we start with a soft credit pull.
Yes. Covering a new associate's pay while their patient schedule builds is a common use.
Example uses for illustration only.
Cleaner billing makes payroll gaps smaller and funding easier.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding