Turn steady patient card payments into funding for your practice. A 5-minute application, about three months of statements, and no tax returns.
Apply NowMerchant Cash Advance
Insurance pays slowly, but your practice does not stop. A merchant cash advance is repaid from future card sales, and your offer spells out 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.
About three months of bank statements and a 5-minute application. Funding in as little as 24 hours for qualified practices.
FICO 500+ is considered, and we start with a soft pull that does not affect your score.
The full repayment amount appears in your offer before you accept, with no surprise costs after you sign.
Your offer lays out the repayment schedule up front, so you know how it fits your monthly cash flow.
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 merchant cash advance gives your practice a lump sum now in exchange for a portion of future card sales. For chiropractors who take a lot of copays, cash-pay visits and wellness packages by card, that structure lines up with how money already comes in. Repayment comes from sales as they happen, and your offer shows the full repayment amount before you accept.
It is a different tool from a bank loan. Instead of waiting on a committee to review years of tax returns, we look at recent activity in your business account.
Insurance reimbursements can lag for weeks, while rent, payroll for your front desk and adjustment staff, and supply orders keep coming. A merchant cash advance can bridge that gap. Practices also use one to:
The process is short:
No tax returns are required. FICO 500+ is considered, and we start with a soft credit pull. Sole proprietors can apply, so solo practitioners are welcome. Funding ranges from $25,000 to $5,000,000, depending mainly on your deposits and existing obligations.
Patient visits often follow the calendar. New Year resolutions and spring sports bring people in, while late summer and the holidays can slow things down. Because a merchant cash advance is repaid from card sales, it is worth thinking about how your busy and quiet months line up with the repayment schedule shown in your offer. Our chiropractor cash flow guide has more on managing those swings.
A merchant cash advance is one option. If you want to draw funds only when needed, read about a business line of credit for chiropractors. Buying a decompression table or X-ray unit? Equipment financing for chiropractors may suit you better. Our side-by-side on line of credit vs. merchant cash advance lays out the differences.
When you are ready, start your application. Funding can arrive in as little as 24 hours for qualified businesses.
We look at the full picture of your deposits. Practices with a meaningful share of card payments tend to fit this product best; we can point you to other options if not.
FICO 500+ is considered. Your deposit history carries significant weight.
No. About three months of business bank statements is what we ask for.
Yes. Your offer shows the full repayment amount and the repayment schedule before you accept.
Yes. Sole proprietors can apply.
Example uses for illustration only.
Practices can take a few steps to present a stronger file.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding