Merchant Fund Express
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Revenue-Based Financing for Chiropractors

Grow your practice with funding tied to how revenue comes in. About three months of bank statements, no tax returns, FICO 500+ considered.

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Revenue-Based Financing

Grow the practice without a rigid bank structure

Patient volume and payer timing shift through the year. Revenue-based financing ties repayment to revenue, and your offer shows every number before you accept.

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.

Revenue-based financing for practices

Quick, low-paperwork process

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

Flexible credit review

FICO 500+ is considered, and we start with a soft pull. Your deposits carry the most weight.

Every cost on the table

Your offer shows the full repayment amount before you accept, with no surprise costs after you sign.

Repayment explained clearly

How and when you repay is laid out in your offer up front, so you can plan growth around it.

Waiting on deposits to land?

Fast decisions. Applying takes about 5 minutes.

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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.

Funding shaped by how your practice earns

A chiropractic practice rarely brings in the same amount every month. Patient visits climb after the holidays and during sports seasons, then ease off in late summer. Insurance payers send money on their own schedules. Revenue-based financing is designed with that in mind: repayment is tied to your revenue rather than a rigid bank structure.

Your offer spells out exactly how repayment works and the full repayment amount before you accept, so you can compare it against your own collections.

Is revenue-based financing a fit?

It tends to suit practices that:

If you mostly need to replace or add a specific piece of gear, equipment financing may be simpler. For short, repeating gaps, a business line of credit could work better.

Growth projects practices fund this way

Practices often use revenue-based financing for projects that should increase patient volume or visit value:

  1. Adding an associate doctor and the front desk support they need
  2. Launching a rehab, massage or nutrition service line
  3. Opening a second location in a growing part of town
  4. Building referral relationships with employers, gyms and schools

For a full second-office plan, see chiropractor expansion funding.

What our review looks at

We ask for about three months of business bank statements. No tax returns are required. We look at the pattern of your deposits, your typical balances and the obligations already coming out of the account. 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. The amount depends mainly on your deposits and existing obligations.

Apply in minutes

The application takes about five minutes. Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses.

Before applying, sketch out what the funds will build and how long it should take to show results in patient volume. That plan helps you judge whether the repayment schedule in your offer fits your growth timeline.

Frequently Asked Questions

How does repayment work with revenue-based financing?

Repayment is tied to your revenue. The exact structure, schedule and full repayment amount are spelled out in your offer before you accept.

Does insurance revenue count?

We review all deposits into your business account, including patient payments and insurance reimbursements.

Is there a minimum revenue requirement?

We do not state a hard revenue minimum. We work with established practices that show steady deposits.

What do I need to apply?

A 5-minute application and about three months of business bank statements. No tax returns.

How much can my practice get?

From $25,000 to $5,000,000, depending mainly on your deposits and existing obligations.

Can I use revenue-based financing to hire an associate?

Yes. Adding an associate is a common growth use, since more providers can mean more patient hours. Plan for the time it takes a new doctor to build a schedule.

Second location $150,000.00
Massage service $32,000.00
Associate doctor $58,000.00
Referral outreach $10,500.00

Example uses for illustration only.

How to improve your chances

These steps help a practice show stronger revenue data.

  • Deposit all patient and payer revenue in one account
  • Reduce claim denials with cleaner billing
  • Keep personal expenses out of practice statements
  • Track monthly visit counts alongside deposits

Revenue-based financing vs. a bank loan

Merchant Fund Express
Traditional bank loans
Repayment
Tied to revenue
Fixed monthly payments
Documents
About three months of statements
Tax returns and financials
Credit
FICO 500+ considered
Stricter credit standards
Credit check
Soft pull to start
Typically a hard pull
Timing
As little as 24 hours if qualified
Weeks of review

Fund your practice's next stage

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

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