8 vendors
Practice Financing
Reviewed by Dr. Ryan Goss, DC
Quick answer
PracticeRated currently lists 8 Practice Financing options for chiropractic and wellness practices: NCMIC Finance, Chiropractic Federal Credit Union, Coffman Capital (ChiroLoan), Chiroloans (GU Loans), Five West Financial, American Capital Group, Coast Funding and GBank Professional Practice Lending. Each card links to the vendor's own site, and facts are dated. Pricing is shown only where the vendor publishes it.
Lenders that finance practice startups, acquisitions, equipment, build-outs and working capital. Patient financing is on our Billing & Patient Payments page. Few lenders publish rates; where they publish something, it is usually loan sizes and eligibility rules. Descriptions and prices come from each vendor's own site. Rated with our Agencies & services rubric.
Provisional: this is an initial research list built from vendor websites (checked October 15, 2026). We have not tested these products hands-on, and we do not publish a numeric score until we have verified pricing and specs against the rubric. Anything we could not verify says “not verified yet”. Ask vendors for written quotes and specs.
NCMIC Finance
Equipment finance and working capital loans for chiropractors and naturopaths. Its site lists: Equipment loans (new and used); Working capital loans.
- Pricing
- Minimum loan amount $5,000; rates not published (checked Oct 23, 2026)
- Rating
- Provisional, not scored yet
Chiropractic Federal Credit Union
Credit union serving chiropractors, their employees and families, with banking and equipment loans. Its site lists: Equipment loans; Business and personal banking; Remote deposit; Shared branches.
- Pricing
- Pricing isn't published (checked Oct 23, 2026)
- Rating
- Provisional, not scored yet
Coffman Capital (ChiroLoan)
Lender for healthcare practice acquisitions, startups and working capital, with a chiropractic program. Its site lists: Practice acquisition loans; Fixed-rate SBA loans; Working capital; Professional building loans.
- Pricing
- Pricing isn't published (checked Oct 23, 2026)
- Rating
- Provisional, not scored yet
Chiroloans (GU Loans)
Business lending site for chiropractors covering equipment, working capital, SBA and real estate loans. Its site lists: Equipment loans; Startup loans; Lines of credit; Real estate and construction loans.
- Pricing
- Pricing isn't published (checked Oct 23, 2026)
- Rating
- Provisional, not scored yet
Five West Financial
Nationwide commercial finance company offering equipment financing, leasing and SBA loans. Its site lists: Equipment financing and leasing; Sale-leasebacks; SBA loans; Application-only up to stated limits.
- Pricing
- Rates not published; application-only up to about $75,000 for established practices ($50,000 under two years), per its chiropractic article (checked Oct 23, 2026)
- Rating
- Provisional, not scored yet
American Capital Group
Equipment financing and leasing for small and mid-sized businesses. Its site lists: Equipment leases and loans; One-page application; Startups considered.
- Pricing
- Deal size $10,000–$250,000; rates not published (checked Oct 23, 2026)
- Rating
- Provisional, not scored yet
Coast Funding
Business funding company offering lines of credit, working capital and equipment financing. Its site lists: Business line of credit ($10K–$500K); Working capital; Equipment financing.
- Pricing
- Line of credit $10K–$500K; requires $200K+ annual revenue and 1+ year in business; rates not published (checked Oct 23, 2026)
- Rating
- Provisional, not scored yet
GBank Professional Practice Lending
Bank with a chiropractic practice lending program for startups, acquisitions, equipment and real estate. Its site lists: Startup and acquisition loans; Equipment loans; Tenant improvement financing; Debt refinancing.
- Pricing
- Pricing isn't published (checked Oct 23, 2026)
- Rating
- Provisional, not scored yet
Frequently asked questions
Which Practice Financing options does PracticeRated list?
8 right now: NCMIC Finance, Chiropractic Federal Credit Union, Coffman Capital (ChiroLoan), Chiroloans (GU Loans), Five West Financial, American Capital Group, Coast Funding and GBank Professional Practice Lending. The list grows as we verify more vendors.
How are Practice Financing options scored?
Each criterion in our published rubric is rated 1 to 5 and weighted to a score out of 100. Scores marked provisional rely on published information only. Sponsors and affiliate partners never change scores. See https://practicerated.com/how-we-score.html.
Do you show pricing for Practice Financing?
Yes, where the vendor publishes it, with the date we checked. If a vendor does not publish pricing, we say so rather than guess.
Is there a tool you'd like to see added?
Let us know. We review every suggestion.