Business Loans for Chiropractors

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Chiropractic Practice Financing

Chiropractic Practice Financing

Chiropractors have become an essential part of many people’s healthcare team, helping keep one of the most important areas of the body healthy and strong. Running a chiropractic practice can be a lucrative area of medicine to be in, but to run and expand your practice you’ll often need to seek external finance in the form of chiropractic practice financing.

Applying for a chiropractic business loan is fast and easy:

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What are business loans for chiropractors?

Chiropractic practice financing (or business loans) refers to any type of funding that can help an owner of a chiropractic practice to receive the capital they need to maintain and grow their business.

Chiropractic business financing encompasses various funding options, from traditional bank loans for large expansions to fast-access merchant cash advances for immediate operational needs, helping chiropractors acquire the capital they require to maintain smooth operations, invest in growth initiatives, and ultimately achieve their business goals.

Best Chiropractic Practice Loans

Whichever type of chiropractic practice financing you choose, here are the best chiropractic practice loans you will find from online lenders.


OnDeck Business Loan Review


Funding: Borrow $5,000 - $250,000
Minimum Credit Score: 600
Loan term: up to 36 months
Funding turnaround: as soon as same business day

OnDeck offers fast business loan options such as term loans, business lines of credit, and SBA PPP loans and funding as fast as 24 hours. Minimum requirements include: at least 1 year in business, 600 credit score, $100,000 in gross annual revenue and a business checking account.

OnDeck offers short-term loans of amounts from $5,000 to $250,000 with interest rates starting at 35% and repayment terms of up to two years.

You will need a personal credit score of at least 600, have been in business for 1 year or more, with an annual revenue of $100,000+.

They also offer a business line of credit of amounts from $6,000 to $100,000 with interest rates starting at 35.9%.




Funding: Borrow $5,000 - $250,000
Minimum Credit Score: 600
Loan term: 6-12 months
Funding turnaround: 24-48 hours

With BlueVine, borrowers can get approval as fast as 24 hours and obtain a business line of credit for short term capital needs while only paying interest on the funds you borrow.

BlueVine is a good option for short-term financing if you have a relatively new business as they will offer funds to businesses that have been in operation for as little as 6 months.

They offer a business line of credit of up to $250,000 with interest rates starting as low as 4.8% and you can receive your funds on the same day.

You will need a credit score of 600 or more and a monthly revenue of at least $10,000.


FundBox Business Loans


Funding: Borrow $2,500 - $150,000
Minimum Credit Score: 600
Loan term: 12-24 months
Funding turnaround: as fast as next business day

Fundbox requires minimal documentation and access to a revolving line of credit without origination or maintenance fees. Borrowers are not required to have collateral (with exception of larger credit lines which are subject to a personal guarantee).

FundBox offers term loans of amounts up to $150,000 with repayment terms of 24 or 52 weeks and interest rates ranging from 8.33% up to 18%.

With FundBox you may still be able to get approval for chiropractic practice financing of up to $100,000 even with a lower personal credit score.

They also offer a business line of credit up to $150,000 with repayment terms of 12 or 24 weeks.


Kabbage Business Loan Review


Funding: Borrow $1,500 - $150,000
Minimum Credit Score: 640
Loan term: 6, 12 or 18 months
Funding turnaround: As soon as 1-3 business days

Kabbage offers borrowers a credit line up to $150,000 with monthly repayment options and no prepayment penalties. Approval as fast as same business day.

Kabbage can provide you with chiropractic practice financing through a business line of credit of up to $150,000. They offer terms of 6 to 18 months with interest rates starting as low as 1.5% per month.

You will need a credit score of 640+, have been in business for at least one year, and have an annual revenue of $50,000 or more.

How do chiropractic business loans work?

The way in which chiropractic practice financing works will depend on the product you choose and the lender you decide to work with. That said, this type of financing generally works by a borrower receiving a lump sum from a lender which they are then required to pay back over time, with added interest.

What are the benefits of a chiropractic practice loan?

There are several benefits of a chiropractic practice loan, including:

  • enables you to update your practice to reflect modern trends
  • gives you the capital you need to cover monthly expenses, including business insurance
  • allows you to invest in the best, up-to-date technology and equipment to benefit your patients
  • provides you with the funds needed to cover costs of payroll and retain your skilled employees

What are the different types of chiropractic practice loans?

Small Business Loans

You can borrow amounts ranging from $5,000 up to $500,000 from an alternative lender which you will then be required to pay back over a set repayment term (usually from 3 months to 3 years), with added interest.

A traditional bank loan will be more affordable due to the particularly low interest rate, but it will be harder to qualify for than a small business loan from an online lender and it will take a lot longer to receive funding.

SBA Loan

An SBA loan is a particularly desirable financing option for small business owners as they are backed by the Small Business Association. This means that the intermediary lender is at a lower risk and more willing to lend funds, but it does come with strict requirements set by both the lender and the SBA.

If you have a credit score of at least 680, and your business has been in operation for at least 2 years, don’t hesitate to apply for this type of chiropractic practice financing provided you aren’t in a rush - it can take up to 12 weeks for your application to be approved.

Business Line of Credit

If you are unsure about how much you will need to spend and exactly when those costs will come about, a business line of credit will be a good option for you.

You are supplied with a credit line that you can draw from as and when you need to, paying interest only on the amount you use. You can then replenish these funds and use them over and over until the line of credit is closed.

Equipment Financing

If you are just looking to obtain the capital you need to purchase new equipment for your chiropractic practice, you can take advantage of equipment financing.

This is where you are given up to 100% of the total cost of the equipment, which you then pay back over time with interest. The term is typically related to the lifespan of the equipment, and since the equipment itself acts as collateral, this type of financing is easy to obtain.

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What are the pros and cons of chiropractic practice financing?


  • can receive funding in as little as one working day
  • can help to build your business credit score
  • with a fixed interest rate, you have predictable and manageable payments
  • can be used for practically any expense related to a chiropractic business


  • may need to provide collateral
  • can be expensive if you fall behind on repayments
  • more difficult to qualify for the best types of financing

How much does a chiropractic practice loan cost?

The amount you will have to pay for a chiropractic practice loan will depend on a number of factors including the lender, interest rate, terms, and loan amount.

How to Qualify for a Chiropractic Practice Loan

The requirements for qualifying for a chiropractic practice loan will vary depending on the lender and the financial product. However, you can expect most to include:

  • time in business of at least 1 year (although some will offer financing for as little as 6 months)
  • a personal credit score of at least 600
  • annual revenue of at least $100,000

Bank loans and SBA loans will have more strict qualification requirements whereas online alternative lenders may be more lenient.

You may still be able to qualify for financing with a low credit score, but it will come with a high interest rate that will make the loan expensive.

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How to Apply for a Chiropractic Practice Business Loan

Although the application does vary depending on the lender and the type of loan, to apply for a chiropractic practice loan you will typically need to provide:

  • your business details, including business name and address, time in business, employee information, and Social Security Number
  • financial information, both business and personal, including your personal credit score
  • details on business assets, especially if collateral is required
  • declaration of any past and existing debt

The most important thing is to compare all of your options using our tables and our loan calculator to find out which option will be the most affordable for you. When you have chosen the right chiropractic practice loan for you, simply follow the lender’s application process to get the financing you need to grow your business.

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