Five West finances chiropractic equipment at 7% to 9% for A credit, 9% to 12% for B credit, and 12% to 18%+ for C credit, on terms of 24 to 72 months, from $20,000 to $5 million+.
Across the wider market, chiropractic equipment finances at roughly 7% to 20% APR. The Wall Street Journal prime rate is 6.75%, and no commercial funder lends below its own cost of money. Prime is the practical floor, not a starting point.
Five West chiropractic equipment financing rates
Subject to credit approval and underwriting. Rate depends on the complete business and credit profile.
Compare that to a bank before you assume a bank is cheaper. Banks publish roughly 7% to 12.5% on equipment. Our A-credit programs start at 7%, the same place a bank's best pricing begins, and without the two-to-four-week underwriting cycle, the full financial package, or the 680 credit floor. On rate we are competitive with a bank. On speed, on documentation, and on how we read student debt, we are not comparable.
Three structural points matter alongside the rate. We write application-only to $150,000 for an established practice and $50,000 under two years, with no tax returns and no financial statements. That covers most single purchases. Our credit floor is 600+ established and 700+ for a cold start, and we finance used and private-party equipment, which is where most banks stop.
Why student loans do not have to price you into B or C
This is the chiropractic-specific issue, and it is worth naming. A DC five or ten years out of school commonly carries $150,000 to $250,000 in education debt. Run through a generalist bank's debt-to-income calculation, that looks like dangerous leverage even when it has been serviced flawlessly for a decade and the practice is healthy.
A lender who underwrites chiropractic reads it differently: education debt is a normal feature of the profile, the payment history is what matters, and the practice's own performance carries the file. That single difference is frequently what separates an approval from a decline, and a B-tier rate from an A.
How the wider market prices chiropractic equipment
Published market ranges as of August 2026. WSJ prime is 6.75%.
Why you are still seeing 5% and 6% online
Because a lot of what ranks was written in a different rate environment and never updated.
Equipment financing content published in 2020 and 2021 quoted rates that were accurate at the time, when the federal funds rate sat near zero and prime was 3.25%. A 5% equipment loan was real then. Much of that material is still live, still undated, and still ranking, which is why a search today surfaces numbers no funder will actually write.
Prime is 6.75% as of August 2026, and a commercial funder cannot lend below its own cost of money and stay in business. So when you see a 5% or 6% equipment rate, check the publication date before you anchor on it. If the page really is current, ask what is attached to the number: a manufacturer promotion on one specific unit, a bundled program, or a lease payment factor that is not the whole cost of the contract.
Our A-credit programs start at 7%. That is the market, not us pricing above it.
What the tiers cost in dollars
Take a $60,000 purchase, say a decompression system or a table and modality package, over 60 months:
Moving from A to B on a $60,000 purchase is about $57 a month, or $3,446 across the term. Worth having a clean file for, though on a decompression table earning $5,600 in a two-case month, the tier difference is noise against the revenue.
Six factors that move your rate
- Personal credit. The largest single driver, which is why the student-loan point above matters so much.
- Time in practice. Two years is the conventional threshold; cold starts price higher regardless of personal credit.
- Transaction size. One $175,000 package generally prices better than three separate $60,000 deals.
- New vs. used. Used typically adds 1 to 3 points; private-party more than dealer.
- Collateral quality. Tables hold value and price well. Technology near end of manufacturer support does not.
- Down payment. 100% financing exists for strong files; money down measurably reduces cost.
Getting to the A tier
- Protect your personal FICO in the months before applying: pay down revolving balances, avoid new consumer credit.
- Submit a complete, itemized file. Underwriters price uncertainty, and separating equipment from bundled training or marketing usually improves the structure.
- Bundle purchases into one transaction rather than three.
- Two or three quotes, not six. A cluster of hard inquiries works against you.
- Use a lender who knows the profession, so student debt is read correctly the first time.
The bottom line
Five West prices A credit at 7% to 9%, B at 9% to 12%, and C at 12% to 18%+, on terms of 24 to 72 months, with application-only to $150,000 for an established practice and a 600+ credit floor. Our A tier starts where a bank's best pricing starts, without the wait.
Negotiate the rate, but weigh it against prepayment terms, lien position, and what is bundled into the amount financed. And if a page quotes you 5%, check its date. Send us the quote and we will tell you which tier your file lands in, usually the same day.
On rates: Any range on this page is illustrative rather than a quote. Your actual rate can come in higher or lower, and it depends on personal and business credit, time in business, the equipment itself, the term you choose, and the size of the transaction. Two files for the same machine can price differently. It is also worth checking the date on anything you read elsewhere. A good deal of the equipment-finance content still circulating was written when prime was 3.25%, and prime is 6.75% today, so if you happen to come across rates like 5% or 6%, it is worth confirming whether the page is current before you plan around it. The surest way to know your number is to let us price your file.
Five West programs at a glance
Published market ranges are not quotes. We price A credit at 7% to 9% with a 600 floor for established practices, and we read student debt the way a chiropractic lender should. That is frequently the difference between an A tier and a B.
- Rates
- 7% to 9% A credit · 9% to 12% B · 12% to 18%+ C
- Terms
- 24 to 72 months
- Amounts
- $20,000 to $5 million+
- Application only
- Up to $150,000 established, $50,000 under two years, with no tax returns or financial statements
- Credit
- Established businesses from 600+, startups from 700+
- Equipment
- New, used, refurbished, dealer, and private-party purchases
- Speed
- Same-day options on qualified files, with approvals in as little as a few hours
- Coverage
- Nationwide, U.S. territories, and cross-border
Send us the equipment quote and we will come back with a real number, usually the same day.
Free consultation, no obligation. All financing is subject to credit approval and underwriting; rates and terms depend on the complete business and credit profile.
Related chiropractic financing guides
More on financing equipment for a chiropractic practice.
Chiropractic equipment rate questions
Why do some sites say equipment financing starts at 5%?
Because much of that content was written in a different rate environment and never updated. In 2020 and 2021 the federal funds rate was near zero and prime was 3.25%, so a 5% equipment loan was real. Prime is 6.75% as of August 2026, and no commercial funder lends below its own cost of money. Check the publication date on any page quoting 5% or 6%.
What is the average interest rate for chiropractic equipment loans in 2026?
Five West finances chiropractic equipment at 7% to 9% for A credit, 9% to 12% for B credit, and 12% to 18%+ for C credit, on terms of 24 to 72 months. Across the wider market, chiropractic equipment finances at roughly 7% to 20% APR. The Wall Street Journal prime rate is 6.75%, which is the practical floor.
Do student loans affect chiropractic equipment financing rates?
They can, with the wrong lender. A DC carrying $150,000 to $250,000 in education debt looks over-leveraged in a generalist bank's debt-to-income calculation even with a flawless payment history and a healthy practice. Lenders who underwrite chiropractic read education debt as a normal feature of the profile and weight the practice's performance instead.
What credit score do you need for chiropractic equipment financing?
Five West's floor is 600 for an established practice and 700 for a cold start, with A-credit pricing of 7% to 9% for stronger files. That 600 floor sits meaningfully below where most banks stop, which matters when a large student-loan balance is dragging an otherwise well-serviced score.
How much does a higher rate tier actually cost?
On a $60,000 purchase over 60 months, moving from 7% to 9% is about $57 a month, or $3,446 across the term. From 7% to 12% is roughly $147 a month. Worth having a clean file for, though on revenue equipment such as a decompression table producing $5,600 in a two-case month, the tier difference is small against the revenue.
Is 100% financing available on chiropractic equipment?
Yes for strong files. Five West finances from $20,000 to $5 million+, and a down payment of 10% to 20% is optional rather than required on well-qualified transactions. Money down does measurably reduce the total cost and can improve the tier on a marginal file, so it is worth considering even where it is not required.
Want to know where you actually price?
Send the equipment quote and we will tell you which tier your file lands in, usually the same day.
This article is general information about commercial equipment financing and is not a commitment to finance. All financing is subject to credit approval and underwriting. Rates, terms, and approval depend on the complete business and credit profile. Figures shown are illustrative market ranges gathered from published sources as of August 2026 and are not an offer. Five West Financial is not a tax advisor or an accounting firm; confirm any tax treatment with your CPA before relying on it.