Funding for Chiropractic Clinics
A chiropractic clinic has steady patient volume and a built-in receivables lag — exactly the gap revenue-based funding is made for. Broadway underwrites off what your clinic actually collects, not a bank's opinion of healthcare.
Chiropractic is a cash-flow business pretending to be a medical one. A chunk of your revenue is insurance work that pays 30 to 90 days after the visit, the rest is cash patients and care plans, and your costs — payroll, rent, malpractice, supplies — run on a calendar that does not wait for the carriers. Add the price tag on a decompression unit or a digital X-ray and you can see why a slow bank process costs real money. Broadway works off three months of bank statements, one short form, and a soft credit pull, with a same-day decision and funding in as little as 24 hours. We broker 50+ programs across 25+ funders, so the deal fits the clinic, not the other way around.
The challenge
You did the adjustment in March and the insurance check shows up in May. Meanwhile your associate, your front desk, and your landlord all get paid on time. Banks look at a small clinic with lumpy deposits and pass.
How Broadway Advance helps
A chiropractic clinic has steady patient volume and a built-in receivables lag — exactly the gap revenue-based funding is made for. Broadway underwrites off what your clinic actually collects, not a bank's opinion of healthcare.
What owners use it for
- Bridge the insurance reimbursement gap so payroll never depends on a carrier's timeline
- Buy or replace adjustment tables, decompression units, or therapy equipment
- Add digital X-ray or diagnostic equipment without draining operating cash
- Open a second location or buy out a retiring partner
- Fund new-patient marketing and reactivation campaigns
- Add massage, rehab, or wellness services that bring in cash-pay revenue
See your real number in about five minutes.
Apply nowFunding options that fit chiropractic clinics
Merchant Cash Advance
Immediate cash today in exchange for a small slice of future sales.
Up to $2,000,000 →Equipment Financing
Buy the equipment you need; the equipment itself secures the deal.
Up to 100% of equipment cost →Business Line of Credit
A revolving cash reserve you only pay for when you draw on it.
Flexible limits →Chiropractic Clinics funding questions
Most of my revenue is insurance receivables, not card swipes. Can I still qualify?
Yes. We underwrite off three months of bank statements, and deposits count the same whether they come from a card terminal, an insurance carrier, or a cash patient. What matters is that real money lands in the account consistently. If your clinic shows steady collections, we can usually get you a same-day decision. The remittance on a cash advance is then sized to your actual revenue, not to a bank's template.
Is a merchant cash advance worth the cost for a clinic like mine?
An MCA costs more than bank money — we will say that straight. It earns its keep when the delay costs more than the capital. A decompression table that books out, an associate you can finally hire, a reimbursement gap that keeps threatening payroll: those have a price too. If you have strong credit and can wait weeks, ask us about a term loan instead. We broker both and we will tell you which one we would take.
Can I finance a used adjustment table or X-ray system?
Usually, yes. With equipment financing the equipment itself is the collateral, so the deal works for new or used tables, decompression units, and imaging systems from a reputable dealer. Broadway can finance up to 100% of the cost, which keeps your cash free for payroll and the reimbursement gap. Same application as everything else: one short form, three months of bank statements, a soft credit pull, same-day decision.