Chiropractic Equipment Financing & Working Capital in Montana
Grow with little capital with Chiropractic Equipment Financing in Montana. Upgrade adjusting rooms, decompression/traction, digital X‑ray/DR, lasers, ultrasound/EMS/TENS, shockwave therapy, rehab & performance equipment, EHR/IT, and clinic buildouts—without choking cash flow. Chiropractic equipment financing and chiropractor working capital can be structured as loans or leases aligned to patient volumes, insurance receivables, and growth. Finance with low affordable monthly payments.
Compare Business Loans, MCA, and Equipment Financing for Chiropractic Clinics in Montana
| Feature | Business Loans | Merchant Cash Advance | Equipment Financing |
|---|---|---|---|
| Ownership | Clinic retains ownership | N/A (purchase with working capital) | Own the equipment |
| Origination / Admin / Titling Fees | Low | Low to moderate | Varies by program |
| Payment Cadence | Monthly, Daily, Weekly | Daily / Weekly | Monthly |
| Credit Minimum | 600 | 500 | 650 |
| Disbursement | Clinic | Clinic | Vendor (direct) |
| New/Used Eligible | n/a | n/a | Yes (new & used) |
| Maximum Term | 24 months | 12 months | 60 months |
| Time in Business | 2+ years | 6 months | Startup OK |
| Rates | Moderate | High | Low (equipment-secured) |
| Application-Only | $150K | $250K | $250K |
| Funding Time | Same day | Same day | 1–5 days |
Reality check: MCA is fast but expensive. If equipment is the driver, equipment financing or leases usually deliver the best total cost and fit.
Promotions & Flexible Programs — Chiropractic Equipment Financing in Montana
- $99 for the first 12 months
- 90-Day Deferral (no payments first 3 months)
- Seasonally varied plans
- 0% for 24 months with 20% buyout (select equipment)
- Stepped-down leases that follow depreciation
- Fast online approvals to $150,000 (higher with financials)
Chiropractic Equipment Financing vs. Leasing in Montana
Chiropractic Equipment Financing
Own your clinical, imaging, and therapy assets over time with fixed payments and terms up to 60 months.
- Build equity in adjusting tables, decompression, DR panels, lasers, shockwave
- Vendor paid directly; install/delivery often included
Chiropractic Equipment Leasing (FMV)
Off-balance-sheet style option with end-of-term flexibility.
- Lower monthly payment; payments may be deductible (consult CPA)
- Options to purchase (e.g., 10% or FMV), return, or upgrade
Both paths preserve cash, avoid large upfront costs, and keep your clinic competitive with consistent upgrades.
Explore Chiropractic Financing Programs in Montana
- Up to 120% equipment cost (soft costs included)
- App-only up to $150,000
- Up to $5,000,000 with financials
- Next-day funding approval
- 12–60 month fixed terms
- No down payment for qualified borrowers
- Competitive rates for qualified credit
- New & used equipment eligible
- Does not report to personal credit
- No pre-payment penalties
Who Uses Chiropractic Equipment Financing & Working Capital?
- Solo Chiropractic Practices
- Multi‑Provider Chiropractic Clinics
- Integrated Medical & Wellness Clinics (Chiro + PT + Massage)
- Sports Chiropractic & Performance Centers
- Personal Injury & Auto Injury Clinics
- Pediatric & Prenatal Chiropractic
- Mobile & On‑Site Corporate Wellness Chiropractic
- Rehab & Physiotherapy‑Focused Clinics
- Franchise & Group Chiropractic Brands
- University/Teaching Clinics & Residency Programs
- Chiropractic Radiology / Imaging Centers (DR, X‑ray)
- Cash‑Based & Membership Model Clinics
- Startup Clinics & Practice Acquisitions
Credit Requirements for New Chiropractic Clinic Owners
- Active business entity and state chiropractic license
- Personal guarantees from all owners
- Minimum 600 credit score
- No bankruptcies in last 7 years
- No unresolved tax liens
What Is “Application-Only” Equipment Financing?
When you don’t have full financials (common in startups, expansions, and remodels), application-only lets you qualify based on time in business, credit history, and bank statements—without tax returns. Apply to $250,000 application-only in select programs.
Chiropractic Equipment We Finance
- Adjusting tables (hylo, elevation, drop), benches & accessories
- Decompression & traction systems
- Digital X‑ray systems & DR retrofit panels
- Cold laser therapy / Class III & IV lasers
- Ultrasound, EMS/TENS, interferential, combo units
- Shockwave therapy systems
- Rehab/exercise equipment, cables, racks, bands, balance tools
- Foot scanners, orthotic fabrication equipment
- EHR/practice management software, PCs/servers, AV
- Buildout, flooring, plumbing, electrical (soft costs)
Why It’s Easier Than a Bank Loan
- Less paperwork
- Equipment is the collateral
- Faster processing & funding
- Flexible credit windows
Chiropractic Equipment Financing & Working Capital — FAQ
How does chiropractic equipment financing work?
We fund the purchase or lease of your equipment. You repay in monthly installments over a set term. With leasing, you may buy, return, or upgrade at term end.
What chiropractic equipment can be financed?
Adjusting tables, decompression/traction, digital X‑ray/DR, lasers, ultrasound/EMS/TENS, shockwave therapy, rehab gear, EHR/IT, and soft costs for buildouts.
Why finance instead of paying cash?
Preserve working capital, match payments to patient volume and receivables, potential tax benefits, and keep technology current for outcomes and retention.
Is a down payment required?
Depends on credit, time in business, and program. Many qualified borrowers can access $0 down options.
Can I include construction or installation costs?
Yes, we can include soft costs such as delivery, install, cabinetry, HVAC, and electrical in many programs.
Can I finance expansions or additional locations?
Yes. Use financing for remodels, additional treatment rooms, new service lines, or new locations. Seasonal and stepped payments available.
What Do I Need to Apply?
- Online Application: Complete, upload, authorize. Soft inquiry up front; hard inquiry may occur upon approval for equipment financing.
- Equipment Invoice/Quote: Multiple vendors welcome. We can bundle into one monthly payment.
- 3–4 Months Bank Statements: To verify income, banking, and funds; align for ACH autopay.
Online Application — Chiropractic Equipment Financing & Working Capital
Prefer to price it first? Get an instant quote.
Vendor & Dealer Financing Partnerships
Liberty Capital offers Vendor Financing Programs that empower chiropractic equipment manufacturers, dealers, and distributors to close more sales by offering in‑house financing solutions. Our partnership provides your customers access to flexible payment terms while you get paid upfront.
Benefits for Vendors
- Accelerate sales cycle with pre‑approved financing offers
- Get paid in full within 24–48 hours after funding
- Co‑branded applications and instant credit decisions
- Dedicated Liberty Capital account manager support
- Vendor dashboard for tracking applications & deals
Benefits for Customers
- Affordable monthly payments for new or used chiropractic equipment
- Fast, simple application‑only process up to $250,000
- Low or zero down payment programs
- Option to bundle installation, cabinetry, HVAC, and buildout costs
- Potential tax advantages via Section 179 (consult CPA)
Our Vendor Financing Program strengthens relationships between chiropractic dealers and clinic owners, ensuring smooth transactions and repeat business.