Chiropractic Table Financing From 5.49% APR

Fleet or Single Table, One Payment

Financing a whole group's tables as a single monthly note is common. The Nashville multi-doc fleet below went in as one payment instead of four cash purchases.

Small Tickets, Fast Approvals

Tables are lower-dollar equipment, which means quick application-only decisions, often the same day, with no tax returns for most files.

Every Major Brand

Hill, Lloyd, and Leander, flexion-distraction, drop, and elevation tables all finance. New, used, or refurbished. If it is on the invoice, we can fund it.

All Credit Profiles

Qualified practices see rates from 5.49% APR. Startups and challenged credit still fund. A one-year-old office with a 662 score financed a Lloyd table in our recent deals.

A sample of table deals we have funded recently. Anonymized, but the structures are exact.

• $19,800 fleet of four Hill AFT flexion tables, Nashville TN. Multi-doc practice, 10 years in operation, 722 score. Funded application-only at 5.74% APR over 48 months with $0 down, all four rooms outfitted on one monthly payment.
• $8,900 Leander 900Z, Sacramento CA. Solo chiropractor, 7 years, 699 score. Approved at 6.29% APR over 36 months, 10% down. Added a motorized flexion-distraction table for Cox-style work.
• $6,200 Lloyd 402 flexion-distraction, Columbus OH. Startup practice, 1 year in business, 662 score on the challenged credit side. Funded at 6.99% APR over 36 months, 10% down. A first real table for a new office.
• $23,500 six-room refit (Hill HA90 elevation plus Thompson drops), Dallas TX. Established group, 13 years, 748 score. Priced at 5.49% APR over 48 months, $0 down, replacing worn tables across the whole clinic at once.

Each rate was earned by the file. Yours will depend on credit, time in practice, and how the deal is put together. We quote real numbers up front.

Tables are not a revenue center the way a decompression program is; they are the platform everything else runs on. That is exactly why financing them makes sense. A good adjusting or flexion table lasts eight to twelve years. Paying cash means a five-figure hit today for equipment you will use for a decade; financing spreads it over a payment a couple of patient visits a day covers.

The math on a group refit:

• A $19,800 four-table fleet at 5.74% over 48 months is roughly $460 a month. Split across four doctors, that is nothing against their collections.
• Replacing tables on a schedule instead of all at once keeps rooms modern without a capital event.

Then Section 179 does real work here. It generally lets you deduct the full purchase price of qualifying equipment in the year it is placed in service rather than depreciating it over years. For 2025 and beyond the cap is $2.5 million, and 100% bonus depreciation applies on top. Even on a modest $19,800 table order, that can mean writing off the entire cost this year while you pay it down monthly. On a full group refit the first-year deduction is larger still. Confirm specifics with your CPA, but for equipment you would have bought anyway, financing plus the Section 179 write-off is usually the smarter cash decision.

We fund every serious table line in chiropractic. The ones we see most:

• Hill Laboratories. The HA90 elevation table, Air-Flex, and AFT flexion-distraction line are workhorses in adjusting rooms nationwide. Individual tables run roughly $5,000 to $15,000 depending on options like drops and elevation.
• Lloyd Table Company. Flexion-distraction tables such as the 402 and 900 series, generally $4,000 to $12,000, a common choice for Cox Technic and value-conscious startups.
• Leander. Motorized flexion-distraction tables like the 900Z, favored for continuous-motion Cox-style care, typically $7,000 to $18,000.

Add drop pieces, elevation, hylo, and Thompson drop tables, and most single tables land between $5,000 and $25,000, with fleet orders scaling from there. We finance new, certified used, and refurbished units, and we routinely bundle multiple tables, plus rolls, stools, and paper supplies if they are on the invoice, into one payment. Startups outfitting a first office and established groups replacing worn equipment use the same application-only process. Send us the invoice or the list of rooms you are outfitting, and we will structure a single payment around it.

Can I finance tables for a whole group on one payment?

Yes, and it is common. The Nashville practice below put four Hill flexion tables on a single monthly note. Fleet orders, mixed brands, and multi-room refits all consolidate into one payment.

Are table amounts too small to finance?

No. We finance tables from around $5,000 up. Smaller tickets actually approve faster, usually same-day application-only with no tax returns. A $6,200 Lloyd table funded for a one-year-old startup in our recent deals.

Can a brand-new practice get approved?

Yes. Startups fund regularly, sometimes with a bit more down or on personal credit. The Columbus office was one year in with a 662 score and still funded a Lloyd table at 6.99%.

Do used or refurbished tables finance?

They do, on the same application-only basis as new. Certified used Hill, Lloyd, and Leander tables fund fine. Older equipment can carry a slightly higher rate, that is the only real difference.

What term makes sense for tables?

Usually 36 to 48 months given the ticket size. Tables last far longer than the term, so you own them free and clear years before they wear out. We will show you a couple of options.