Chiropractic Equipment Financing
Chiropractic Equipment Financing
Add decompression, digital X-ray or laser therapy, open a second clinic, or equip a new practice — with fixed payments the new services help cover.
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Adjusting tables • decompression • digital X-ray • laser & shockwave • rehab • practice buildouts
Short answer: Chiropractic equipment financing lets practices pay for adjusting tables, spinal decompression, digital X-ray, laser and shockwave therapy over 12 to 60 months, usually as a $1 buyout lease. Established practices can often be approved on an application only, and multi-clinic groups can fund several locations at once.
New services like spinal decompression, laser and shockwave therapy can add revenue quickly, but the equipment is a real investment. Financing lets the service start earning before the equipment is paid for.
Liberty Capital Group finances single-doctor practices, multi-clinic groups and integrated practices that combine chiropractic, physical therapy and medical services.
Chiropractic Equipment We Finance
Tables
Adjusting, drop, flexion-distraction and hi-lo tables.
Decompression
Spinal decompression and traction systems.
Imaging
Digital X-ray, DR panels and imaging software (see X-ray equipment leasing).
Therapy
Class IV laser, shockwave, electrotherapy and ultrasound.
Rehab
Rehab and exercise equipment, vibration platforms and balance systems.
Practice buildout
Furniture, EHR hardware and front-office technology for new or expanded clinics.
Who We Work With
- Established chiropractic practices adding services
- Multi-clinic chiropractic groups
- Integrated chiropractic, PT and medical practices (see physical therapy equipment)
- Doctors opening a new practice (case by case)
- Chiropractic equipment dealers
Chiropractic Leasing & Financing Options
| Option | How it works | Best for |
|---|---|---|
| $1 buyout lease (lease-to-own) | You own it for $1 at the end; may qualify for Section 179 | Equipment you plan to keep for years |
| Fair market value (FMV) lease | Lowest payment; return, renew or buy at the end | Equipment you upgrade often |
| Equipment finance agreement (EFA) | You own it from day one; fixed payments | Owners who want the title now |
| Sale-leaseback | Turn equipment you already own into working capital | Funding growth without new debt elsewhere |
Terms run 12 to 60 months. All approvals are on approved credit (OAC); rates and structure depend on credit, time in business and the equipment.
Why Practices Lease Chiropractic Equipment
Conserve cash
Keep your cash and credit lines for payroll, fuel, materials and growth instead of tying them up in equipment.
Cash flow management
A low capital outlay versus buying outright, with fixed payments you can plan around.
Low, manageable payments
Terms up to 60 months spread the cost so the equipment pays for itself as it earns.
Inflation buster
Lock today’s price and a fixed payment while equipment and material costs keep rising.
$1 buyout lease-to-own
Most leases end with a $1 buyout, so you own the equipment at the end of the term.
Section 179 / 100% deduction
Qualifying equipment may be deductible in the year it’s placed in service. Confirm with your CPA; this is not tax advice.
How to Qualify
- Application-only approvals are available on many deals; limits vary by credit, time in business, equipment type and industry, so published amounts (commonly up to $250K) are guidance, not a promise.
- Larger deals ($250K and up) usually need two to three years of business tax returns, interim financials and bank statements.
- $0 down is reserved for established businesses: 5+ years in business, established PayNet and D&B business credit and 700+ personal credit. First and last payments, taxes and documentation fees may still apply and are not a down payment.
- Newer businesses are reviewed case by case, usually with a down payment or additional collateral.
- Specials for well-qualified businesses (OAC): 90-day deferred payments or $99 a month for the first 3 to 6 months.
See our credit guidelines for the full tiers.
How It Works
- Get a quote with the equipment, the vendor quote and the amount. It starts with a soft inquiry.
- Get approved, often the next business day on application-only deals.
- Sign the documents electronically.
- We pay the vendor and you take delivery. Your personal account manager stays with you for the next piece of equipment.
Related Financing
- Medical equipment financing
- Physical therapy equipment
- X-ray equipment leasing
- Medical laser financing
- Healthcare financing
Chiropractic Equipment Financing FAQ
Can I finance a spinal decompression table?
Yes. Decompression systems are one of the most common chiropractic financing requests, usually on a $1 buyout lease over 36 to 60 months.
Can a new chiropractor get equipment financing?
New practices are reviewed case by case. Expect a down payment or additional collateral; a strong personal credit profile and a practice plan help.
Do you finance digital X-ray for chiropractors?
Yes, digital X-ray systems, DR panels and imaging software can be financed, including installation.
Is $0 down available?
$0 down is reserved for established businesses with 5+ years in business, established PayNet and D&B business credit and 700+ personal credit. First and last payments and fees may still apply.
Can I finance used chiropractic equipment?
Yes, used and refurbished equipment from a dealer can be financed.
Is chiropractic equipment tax deductible?
Qualifying equipment may be eligible for Section 179 in the year it is placed in service. Confirm with your CPA; this is not tax advice.
Ready to Add Your Next Service?
Liberty Capital Group has helped businesses fund equipment since 2004 — over $250 million funded.