Chiropractic equipment financing.

Adjusting and drop tables, spinal decompression systems, Class IV laser therapy, X-ray and digital imaging, shockwave and therapy modalities, EHR and practice software, office buildouts and furnishings, and practice acquisitions. A full first-office package can go on one agreement, from a $15,000 usual minimum to $5 million and above.

Selectively, yes. Startup practices are considered when the doctor has strong personal credit, typically 700+, verifiable clinical experience, and working capital left after the purchase, usually with a down payment. Student debt by itself does not push a DC out of the top tier when it is paid as agreed. Our chiropractic loan requirements guide lists what a file needs.

Yes. New, used, and refurbished equipment are financed from dealers, auctions, and private sellers. Used equipment is underwritten on its remaining useful life at the end of the term, and a private-party purchase adds a lien search, an inspection or appraisal on larger items, and funds paid directly to the seller rather than through you.

Expect 10% to 15% down on used equipment from a dealer and 15% to 25% on a private-party sale, with a rate somewhat higher than on the same equipment bought new. Tables and decompression systems finance used readily; lasers and imaging are underwritten on manufacturer support. See buying used chiropractic equipment. See the private-party purchase guide.

Many established-business programs start around 600 FICO, and two or more years in business opens the broadest set of programs and the best pricing. Between one and two years narrows the field but stays workable; under one year the file is underwritten as a startup, which typically means 700+ personal credit, relevant industry experience, and working capital left after the purchase.

The score alone rarely decides it: cash flow, the equipment, and money down all move the answer. Full detail is in the qualification guidelines and the credit score guide.

It depends on the whole file. We price chiropractic equipment on your credit, time in business, cash flow, the equipment and how much you put down, so there's no single number that fits every practice. Practices with two or more years in business and strong credit get the best pricing. Terms run 24 to 72 months. The Quote Builder gives you an estimated payment in a few taps with no credit pull, and the chiropractic equipment loan rates guide shows what a payment looks like in dollars.

Most applications get a first response within 1 to 2 business hours, with same-day options on qualified files and approvals in as little as 30 minutes on clean application-only files. Funding follows in as little as 24 to 48 hours once documents are signed.

Application-only decisions, with no tax returns or financial statements, are available up to about $75,000 for most established practices and $50,000 for practices under two years; above that, expect a full financial package. The application starts with a soft credit inquiry, which does not affect your score. A distributor quote for the table or system is enough to start.

Usually, yes. For 2026 the Section 179 limit is $2,560,000 of qualifying equipment, phasing out above $4,090,000 of purchases, and bonus depreciation is 100%. New and used equipment both qualify, and financing does not change the deduction: equipment bought on an equipment finance agreement or a $1 buyout lease with nothing down is deducted the same as a cash purchase, as long as it is placed in service by December 31.

On a fair market value lease the funder owns the equipment, so you deduct the payments as rent instead. Run the estimate in the Section 179 calculator and confirm the treatment with your tax advisor.

Yes. Leases run 24 to 60 months, and you choose the buyout up front: $1, a fixed 10% option, or fair market value. The payment is lower than financing because some value is left at the end, and on a fair market value lease you can buy the equipment, upgrade or hand it back when the term ends. On that kind of lease you deduct the payments instead of taking Section 179. Tables you'll use for a decade are usually better owned, while lasers, digital X-ray and software are better candidates for a lease because they change faster.

Five West offers chiropractors four kinds of financing: equipment finance agreements to own tables, decompression systems, lasers and X-ray from day one; equipment leases with $1, 10% or fair market value buyouts; leasebacks that turn equipment you already own into working capital; and SBA 7(a) and 504 loans for practice acquisitions, real estate and larger projects. Equipment deals run from a $15,000 usual minimum to $5 million and up, and one application covers all of them.

Yes. Practice acquisitions are usually financed with an SBA 7(a) loan, which goes up to $5 million, typically runs 10 years and can include the equipment and working capital. Plan on 90 days or more from a complete file to funding, with business tax returns, financial statements, a debt schedule and the selling practice's financials. If you're only buying the equipment out of a closing office, an equipment finance agreement is much faster and needs far less paperwork.

Run the numbers first in the Quote Builder: set the equipment cost, term, down payment, and structure and see an estimated payment in a few taps, with no credit pull. When it fits, one short application and a soft credit inquiry get you matched with a dedicated funding professional who manages the deal from application to funding.