Merchant Fund Express
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Equipment Financing for Chiropractors

Finance tables, decompression systems, X-ray and therapy units without draining your reserves. About three months of statements, no tax returns.

Finance My Equipment

Chiropractic Equipment Financing

Add new modalities without emptying the practice account

New equipment can mean more patients and better care. We review your recent deposits, and your offer shows the full repayment amount before you commit.

As fast as
24 hours

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.

Equipment financing built for practices

Simple and quick

Apply in about five minutes with roughly three months of statements. Funding in as little as 24 hours for qualified practices.

Credit flexibility

FICO 500+ is considered. Your practice's deposit history counts heavily in our review.

Full cost up front

Your offer shows the full repayment amount before you accept. No surprise costs appear after you sign.

A schedule you can plan on

Repayment is laid out in your offer up front, so you can weigh it against expected patient volume.

Ready to see your numbers?

Fast decisions. Applying takes about 5 minutes.

Apply Now

How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

Equipment that pays for itself in patient hours

A chiropractor's equipment is the practice. Drop tables, flexion-distraction tables, spinal decompression systems, digital X-ray, ultrasound and electrical stimulation units all shape what you can offer and how many patients you can see in a day. When a table wears out or you want to add a new modality, paying the full price out of pocket can drain reserves you need for payroll and rent.

Equipment financing spreads the cost of that purchase, so the gear can start earning while you pay for it.

What chiropractors commonly finance

If the immediate problem is a broken unit rather than a planned upgrade, read chiropractor equipment repair funding.

Our review process

We keep it short. Fill out the 5-minute application and send about three months of business bank statements. No tax returns are required. We look at the consistency of your patient and insurance deposits and any existing obligations. FICO 500+ is considered, and we start with a soft credit pull.

Sole proprietors can apply. Funding ranges from $25,000 to $5,000,000, depending mainly on your deposits and existing obligations. It helps to have a vendor quote ready so we know exactly what you plan to buy.

Questions to ask before buying

Before you commit to a new piece of equipment, think through:

  1. How many patients per week will use it?
  2. Does it add a service your patients already ask for?
  3. Will it need dedicated space, staff training or extra setup?
  4. How does the repayment schedule in your offer fit your monthly cash flow?

If the answers point to more patients or higher-value visits, the purchase is easier to justify. If you are opening a second location and need a full room of gear, chiropractor expansion funding may help you plan the bigger picture.

Apply when you have a quote

Once you have pricing from your vendor, start your application. Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses. Your offer shows the full repayment amount before you accept.

Frequently Asked Questions

Can I finance used chiropractic equipment?

Tell us what you plan to buy and from whom. We review each request based on your practice's deposits and the purchase itself.

Do I need tax returns for equipment financing?

No. About three months of business bank statements is what we ask for.

What credit score is considered?

FICO 500+ is considered, and we start with a soft credit pull.

How quickly can I get the equipment funded?

Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses.

Can I finance more than one piece of equipment?

Yes, as long as the total fits within what your deposits and existing obligations support. Funding ranges from $25,000 to $5,000,000.

Should I finance equipment or pay cash?

It depends on your reserves. Paying cash can leave the practice short for payroll and rent, while financing spreads the cost. Your offer shows the full repayment amount so you can compare.

Decompression unit $38,000.00
Digital X-ray $72,000.00
Drop table $14,500.00
Laser therapy $26,000.00

Example uses for illustration only.

How to improve your chances

Prepare these items to make an equipment request go smoothly.

  • Get a written quote from your equipment vendor
  • Estimate weekly patient use for the new equipment
  • Keep three recent months of clean bank statements
  • Plan space and training before the gear arrives

Equipment financing with us vs. a bank

Merchant Fund Express
Traditional bank loans
Documents
About three months of statements
Tax returns, financial statements
Credit
FICO 500+ considered
Higher scores often required
Application
About 5 minutes
Lengthy loan packages
Credit check
Soft pull to start
Usually a hard pull
Funding speed
As little as 24 hours if qualified
Several weeks is common

Get the equipment your practice needs

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding
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