Chiropractic practice loans to buy, grow, integrate, or start your dream practice.
Most practice purchases depend on financing, and how that financing is structured often decides whether the deal closes.
Financing is usually what decides whether a practice purchase actually goes through. Knowing what a lender will expect before you're deep into a deal is what keeps things moving instead of stalling out later.
First time practice buyers
- $150,000-$600,000*
- *in some cases a guarantor may be required
- Credit: 680+
- Down Payment: 10%
Acquisitions to expand an existing clinic group
- Expansion lending to quickly grow your business with little upfront investment
- $150,000 - $5,000,000*
- *Options may be available for loans as low as $30,000
- Credit: 680+
- Down Payment: As low as $0
Real Estate
- Maximize your business investment by becoming your own landlord
- $150,000 to $5,000,000
- Opportunity for longer terms
- Credit: 680+
- Down Payment: As low as $0
Working capital loans + lines of credit
- $25,000 to $1,000,000
- Fast approval for funding to cover payroll, overhead + other regular or unexpected business expenses
- Credit: 680+
- Down Payment: As low as $0
- Business Size: $30,000+ a month in gross revenue
Equipment Loans + financing
- Improve your practice with the purchase of new or used equipment
- Funding Range: $5,000 - $250,000+
- Credit: 680+
- Down Payment: As low as $0
Service Expansion Financing
- Grow your revenue + patient care scope through adding services or medical integration
- $10,000 to $100,000
- Credit: 680+
- Down Payment: As low as $0
Start-up funding for new + experienced doctors
- $150,000 - $300,000
- Credit: 680+
- Down Payment: Starting at 10%
Debt Refinancing
- Restructure existing debt to free up cashflow
- $25,000 to $500,000
How Lenders Structure Chiropractic Practice Loans
Once a lender is evaluating a practice loan, they’re typically looking at:
- How the loan amount lines up with the practice’s transferable profit
- What’s used to secure the loan and the down payment
- Whether SBA guidelines apply, and if so, which loan type fits
- The buyer’s credit profile and relevant experience
These factors shape not just whether a loan gets approved, but the terms you end up with. Our financing team works through this with you before you’re committed to a deal that may not fit what a lender will actually support.
Common questions
What credit score do I need to buy a chiropractic practice?
Most SBA-backed practice acquisition loans require a credit score of 680 or higher. Some loan types may have flexibility depending on the strength of the practice’s financials and the size of the down payment.
How much down payment is typically required?
For a first-time practice purchase, down payments usually start around 10%. In some cases, it can be 5% if the seller is willing to owner finance half of the down payment. Expansion loans for existing practice owners can sometimes go as low as $0 down, depending on cash flow and the structure of the deal.
Does the SBA actually lend the money?
No. The SBA guarantees a portion of the loan, which reduces the lender’s risk, but the funds themselves come from a bank or SBA-approved lender. This is why SBA loans, with their lower risk to the lender, are typically what chiropractors qualify for.
Can I get financing for a startup chiropractic practice with no operating history?
Some lenders offer start-up financing for new practices, though terms and approval depend heavily on the lender’s specific program and your credit and experience. These are typically harder to qualify for because statistics show that start-ups are higher risk than buying an existing business. [Talk to our financing team] to find out what you may qualify for.
Avoid Financing Pitfalls, Delays + Declines
Our experienced + trusted financing team network of chiropractic-friendly lenders is excited to provide you with the best financing options + terms. And even more important, our network provides you with the expertise + personal service that are invaluable to help ensure your success + minimize your timeline to successful funding.