Funding for your situation
What decides whether a chiropractic office with an open advance can add more funding, what a review compares, and a worked example.
✓ Checking what you qualify for does not affect your credit score.
A chiropractic office that took an advance for adjusting tables and therapy equipment and now needs capital for something else is in good company. New-year benefit resets and back-to-school months lift visits. What matters to a reviewer is how the account behaved under the first debit.
Merchant Fund Express is a funding marketplace: you apply once, and the file is matched to the structure that fits it. The sections below show what this situation usually costs, how a funder reads it, and what to prepare.
The documents that usually matter most for a chiropractic office are equipment quote and visit and revenue reports, alongside the bank statements.
New-year benefit resets and back-to-school months lift visits. For a chiropractic office, that rhythm decides when a funding request reads best and how it should be repaid.
What it looks like on the ground: an associate is ready to start, but there is no second treatment room.
Compliance touchpoints for a chiropractic office often include state board license and radiation registration, which can come up when the request involves a new site, a purchase or a significant change.
Balance, debit and payment history, and what it financed: adjusting tables and therapy equipment.
A mix of insurance remittances and cash-pay plans, with frequent small deposits.
Negative days, NSFs and the average daily balance, read against new-year benefit resets and back-to-school months lift visits.
Second position, renewal or refinance, depending on how much has been paid down.
| Item | Illustrative amount |
|---|---|
| Position 1: taken for adjusting tables and therapy equipment (remaining balance, illustrative) | $38,500 |
| Position 1 weekly debit | $2,000 |
| Average weekly deposits at a chiropractic office (illustrative) | $20,000 |
| Debit as a share of weekly deposits | about 10% |
| New need under discussion: a x-ray tube or a new treatment room (illustrative) | $30,000 |
| Whether a second position fits | decided by negative days, NSFs and the average daily balance |
What a review compares. The remaining balance, the share of deposits already committed and how the account has behaved. Read negative days and NSFs and second position funding.
Source: worksheet by Merchant Fund Express. Illustrative only: these figures are not an offer, and real amounts depend on your file and the funder.
These are the same factors described on revenue and deposit requirements and time in business. Merchant Fund Express walks you through how your own file reads before you apply.
A complete file is what makes a same-day decision possible. If something is missing, tell us and we will work around it.
Often, depending on position count and account behavior. Look at second position funding, renewals and MCA refinance. Merchant Fund Express reviews the file the same day it is complete.
A second position sits behind the first on the same revenue. A renewal comes after the first is substantially paid down. See first position vs second position.
Three months of business bank statements, the existing agreement or a payoff letter, and equipment quote.
The minimum FICO is 500, and better credit means better products and terms. See credit score requirements for how the tiers work.
Merchant Fund Express gives a same-day decision on a complete file. Applying takes a few minutes and will not affect your credit score.
