What we finance, and who funds it
We arrange chiropractic and physiotherapy equipment financing through major Canadian banks and specialised leasing institutions. Adjusting and treatment tables, decompression and traction systems, therapeutic laser, shockwave and ultrasound, rehabilitation and exercise equipment, and complete clinic fit-outs and treatment rooms all qualify, new or used. A full build-out can be carried on one structure, which matters for a practitioner opening a first clinic where every room has to be ready on day one.
Modality equipment pays back in sessions, not years
Shockwave, laser and decompression systems are bought to add a service line with its own fee schedule, and the payback can be calculated in sessions per month rather than argued in general terms. That makes them among the easier clinical equipment files to structure, because the practitioner usually already knows how many patients are currently being referred out or declined.
New graduates and first practices
A large share of demand in this sector comes from practitioners opening a first clinic, often shortly after qualifying, with professional training and no equipment and no trading history. Startup structures exist precisely for that situation, and we walk through what lenders want to see — the lease, the projected caseload, the practitioner's own position — before the file goes in rather than after it comes back.
Multi-disciplinary clinics change the equipment list
The trend is toward clinics combining chiropractic, physiotherapy, massage and rehabilitation under one roof, which widens the equipment list and raises the fit-out cost while improving the revenue mix. Those builds are better financed as a single program than as a sequence of purchases. Applications above $250,000 require financial statements; a single table or laser unit is much lighter. Send the clinic plan and the modalities you intend to run, and terms come back sized to the room count.
