CFACommercial Funding Advisory

Healthcare

Business Funding for Chiropractic Clinics

Chiropractic clinics have lower startup costs than medical or dental practices, but the equipment is still specialized and expensive. Digital X-ray systems, adjustment tables, decompression units, and therapy modalities add up fast. Many chiropractors struggle with insurance reimbursement rates that barely cover overhead, pushing them toward cash-pay models that require more marketing to attract patients.

Common Uses

What Chiropractic Clinics Use Funding For

  • Purchase chiropractic adjustment tables, decompression systems, and therapy lasers
  • Install a digital X-ray system with processing software
  • Fund marketing campaigns to build a patient base, especially for cash-pay practices
  • Lease or build out a clinic space with treatment rooms and a rehab area

Funding Options

Best Funding Types for Chiropractic Clinics

Equipment Financing

Finance tables, decompression units, shockwave therapy devices, and X-ray systems. Chiropractic equipment is specialized but holds value well in the resale market through dealers and online exchanges.

SBA Microloans

Loans up to $50,000 can cover a significant portion of a chiropractic startup. The smaller loan size matches the lower capital requirements of chiropractic compared to medical or dental, and approval is faster.

Business Line of Credit

A revolving line helps manage cash flow when transitioning from insurance-based to cash-pay models. Draw funds for marketing and operations while building the cash-pay patient volume needed to sustain the practice.

What Lenders Look For

Qualification Notes for Chiropractic Clinics

A valid chiropractic license and malpractice insurance are mandatory for any funding approval
Cash-pay clinics need to show marketing plans and patient acquisition costs since they cannot rely on insurance referrals
Clinics with multiple revenue streams like rehab, massage therapy, and nutritional supplements are viewed as more stable

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