Industry
Mixed: cash-pay collected same day, insurance reimbursement running 30-60 days.
✓ Checking what you qualify for does not affect your credit score.
Chiropractic practices in Miami are classified under Offices of Chiropractors, an eligible category. Industry is therefore not the question; the four things every file is read on are.
Mixed: cash-pay collected same day, insurance reimbursement running 30-60 days.
In Miami that usually means capital goes to tables, imaging, decompression equipment, an associate hire, practice acquisition.
Miami runs on international trade, tourism and hospitality, with pronounced seasonality.
Florida funds normally on every tier.
State board licensing applies.
Tier 1: 650 FICO, 3 years in business, $300,000 a year or $25,000 a month, 8+ monthly deposits.
Tier 2: 600 FICO, 6 months in business, $60,000 revenue, $800 minimum daily balance.
Renewal: 550 FICO, 2 years in business, once 50% of the original balance is repaid.
The minimum FICO is 500. The 650/600/550 tiers are product criteria that decide which product a file is read against, not a floor on the business. Scores in the 500s are placed routinely and are read on revenue, deposit consistency and time in business rather than on the score alone.
Yes. The category is eligible; the file is read on revenue, deposits, time in business and existing positions.
The minimum FICO is 500. The 650/600/550 tiers are product criteria that decide which product a file is read against, not a floor on the business. Scores in the 500s are placed routinely and are read on revenue, deposit consistency and time in business rather than on the score alone.
Same-day decision and next business day funding on a complete file.
Steady, with a Q1 lift as deductibles reset. Underwriting reads the average and the deposit count, not the peak month.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
