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Financial Loans for Your Needs

Your time and talents are best spent helping your patients. NCMIC makes it easy with equipment financing, working capital loans, and more. We offer healthcare professionals strategic loan options, competitive rates, and hassle-free funding to grow, invest, or manage cash flow.

Equipment Loans     Working Capital Loans

Fast Approvals

When you need funding, time is critical. Our finance loan process is quick and efficient, with credit decisions, loan terms, and documents typically provided within two hours—so you can focus on your patients, not paperwork.

No Prepayment Penalties

With NCMIC, you have the flexibility to pay off your loan early without extra fees. You’ll only pay interest for the time you have the loan, allowing you to save more when you pay ahead.

Upfront Terms

We know that as a lending company, transparency is key. That’s why we provide clear, upfront loan terms with no hidden fees. Our financing solutions are designed to support chiropractors and naturopaths, ensuring you get the best terms for your business needs.

Equipment Finance Loans

Equipment Finance Loans

Upgrading equipment is key to growth, but upfront costs can be a hurdle. NCMIC’s equipment finance loans remove that barrier, making it easier to invest in your practice. Whether you need new or used equipment, we offer fast, hassle-free financing designed specifically for chiropractors and naturopaths.

With over 75 years of experience as a lending company in healthcare financing, we understand the importance of secure funding that’s simple and suited to your practice. From fast approvals to flexible loan terms, we help you get the equipment you need—when you need it.

Don’t let financing stand in the way of your practice’s success. Apply for an Equipment Loan Today and get the tools you need to grow!

Apply for an Equipment Loan

chiropractors communicating about an x-ray

Working Capital Loans

Every practice experiences cash flow challenges, whether it's covering unexpected expenses, expanding services, or managing day-to-day operations. A working capital loan from NCMIC provides financial flexibility to keep your business running smoothly—without the stress.

Program Advantages

  • Fast Approvals & Funding – Get approved in hours and access funds quickly.
  • Flexible Loan Terms – Choose repayment options that fit your cash flow.
  • No Prepayment Penalties – Pay off your loan early and save on interest.

Ways to Use Working Capital

  • Invest in Growth – Expand your practice, hire staff, or market your services.
  • Cover Operating Costs – Manage payroll, rent, or supply expenses with ease.
  • Handle Unexpected Expenses – Stay prepared for emergencies without financial strain.

Secure funding exactly when your practice demands it. Apply for a Working Capital Loan Today and keep your practice moving forward!

Apply for a Working Capital Loan

Financial Product Resources

Stay informed with expert insights on finance loans, credit card processing, and business growth strategies for healthcare professionals. Explore our latest articles and resources to help you manage cash flow, invest in your practice, and streamline payments.

What You Need to Know About Your Credit Score What You Need to Know About Your Credit Score Article | Financial Products If you've ever applied for a credit card, mortgage, loan or any other line of credit, chances are your financial institution has relied on your credit... The Financial Plan - Putting Numbers to Your Plan The Financial Plan - Putting Numbers to Your Plan Article | Financial Products The financial plan is the heart of the business plan. It is the section lenders may review first and most thoroughly. If it doesn't make sense, they w... 5 Steps for Mid-Year Planning 5 Steps for Mid-Year Planning Article | Financial Products The first quarter has come and gone. Has your year started off the way you expected? And just like that we are already through the first three months ... Facility Financing Facility Financing Article | Financial Products When buying, financing or renting a facility, there are many options available and many challenges for a doctor of chiropractic to overcome. Understan...

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Equipment Loans FAQs

What types of equipment can I finance with an NCMIC loan?

NCMIC’s equipment finance loans cover a wide range of new and used equipment for chiropractors and naturopaths.You can finance treatment tables, digital X-ray systems, therapy devices, and more—all with customizable repayment options.

How much can I borrow for equipment financing?

Loan amounts vary based on your practice’s needs and credit profile. Whether you need a small loan for essential upgrades or a larger amount for major investments, our lending company offers competitive financing solutions tailored to you.

How fast can I get approved for an equipment finance loan?

We understand that time is critical when purchasing equipment. That’s why we offer fast approvals, often providing credit decisions within hours and funding shortly after, so you can get the necessary equipment without delays.

Are there tax benefits to financing equipment?

Yes! Financing equipment may qualify for tax deductions under IRS Section 179, allowing you to deduct the cost of eligible purchases. Consult your tax advisor to maximize the benefits of your equipment finance loan.

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Apply for a Loan Today

Equipment Loan     Working Capital Loan

Equipment loans offered by NCMIC Finance Corporation are subject to credit approval. You should consult an attorney or financial advisor for specific legal or tax advice before entering into any financing arrangement. NCMIC and the equipment vendor you select are separate companies, are not agents of one another, and have no authority to bind one another to financial or other contractual obligations.

Working capital loans offered by NCMIC Finance Corporation are subject to credit approval, are for business purposes only and may not be used for personal, family or household purposes. Minimum loan amount is $5,000. Financing may be subject to a one-time origination fee billed with the first loan payment. When original or electronic signed loan documents are received by 2 p.m. CT, funding can be sent same-day via ACH. Your financial institution may not allow access to funds until the following day.