Ready To Move Your Business Forward?
Types of Retail Business Loans
Small Business Loans
Secure operating capital
for daily expenses, materials,
payroll and more.
$5,000 to $500,000
Equipment Financing
and Leasing
Purchase or lease equipment
for your retail business.
Up to $150,000
How Chiropractic Business Loans Can Help You
Chiropractic medicine has been gaining popularity for many years. As a chiropractor, you know that your skills help people feel better. Unfortunately, many traditional lenders still consider chiropractic as a form of alternative medicine. This can make securing a business loan difficult. A chiropractic business loan from an alternative lender can help make getting the funds you need to purchase new chiropractic equipment or train employees easy. Working capital loans for chiropractors give you the funds you need with friendly repayment options.
Refresh Your Practice
- Update your practice with modern décor and a comfortable waiting room
- Give your treatment rooms a new coat of paint or replace an outdated front desk with a more modern touch
Pay Monthly Expenses
- Keep your practice running smoothly using a working capital loan to pay monthly expenses like utilities or internet costs
- Cover the expensive monthly cost of business insurance for your chiropractic business
Invest in New Chiropractic Technology
- Purchase expensive Transcutaneous Electrical Nerve Stimulation (TENS) equipment for your practice
- Offer cold laser therapy to your patients to reduce their aches and pains
Cover Payroll Expenses
- Employ high-quality medical assistants and front desk representatives to keep your patients happy and comfortable
- Stay on top of payroll costs, even if you’re waiting on client bills to be paid
We Know Small Retail Businesses Face Unique Challenges
Retail businesses have specific needs that can put pressure
on their cash flow and impact growth opportunities.

Seasonality
Peaks and valleys during the year that can
sometimes strain cash flow

Inventory Management
Varying sales levels can deplete inventory
and impact customer satisfaction

Flexible Hiring
Key times of the year require immediate
expansion of staff

Competition
Constant pressure to attract and retain
more customers
We understand your challenges
and we know how to solve them.
How to Apply
Applying for a retail business loan is easy.
With $150,000 in annual sales and a year in business, the process is simple:
"Excellent service and stellar people! Working with National Funding was a phenomenal experience. Our dedicated loan specialist was outstanding and guided the process extremely well. I could have not had a better experience. Thank you for hiring rock star talent. It truly made the process quick and painless. I will definitely use National Funding again!"
– Wyndham Watch Co.
Retail Business Loans Made Easy
Unlike the limited options, slow pace and low approval rates of traditional lenders, National Funding delivers a powerful suite of retail business loans that can help your business operate more efficiently and effectively. We understand the challenges small retail businesses face, so we make it easy to get funded through a simple application process and high loan approval rates.
We Know Retail Businesses
Experience supporting retail business ownersTrusted by Businesses Like Yours
Over $3 billion in funding to more than 50,000 businesses nationwidePersonalized Experience
Lending solutions and payment options tailored to your specific needsFast & Easy Application Process
No-cost, no-obligation application with funding in as few as 24 hours1Loan Specialists Who Care
Experienced Loan Specialists help you make the right decisionWorry-Free Lending
No collateral requirements, plus simple, automatic paymentsRatings & Reviews
We are very proud of what our customers are saying on TrustPilot
Disclosures
Legal Disclosures
True to our mission, we encourage you to read the following policies and learn how they affect you as a client.
(1) 24 hours:
Fast approvals and 24 hour funding subject to receipt of required documentation, underwriting guidelines, and processing time by your bank. Funds are deposited into your business checking account as soon as the next business day after approval and acceptance of terms.
(2) Early payoff discounts:
National Funding offers special opportunities for its customers to terminate contracts early and receive a discount in the process. Equipment Finance customers who pay off the total remaining balance early, at any point during the contract, will automatically receive a 6% discount off the total remaining balance. Working Capital customers who pay off the total remaining balance in full within the first 100 days of the contract will automatically receive a 7% discount off the total remaining balance. We do not currently offer a discount on our lease contracts. Customers must pay off the balance in full, be current, and in good standing to take advantage of the discount within the time parameters.
(3) Automatic payments:
Loan payments are withdrawn via Automatic Clearing House (ACH) Monday through Friday excluding bank holidays.
(4) Wide variety of payment options:
- Equipment Financing: payments are remitted monthly with terms of 2-5 years
- Working Capital Loan: payments can be remitted daily or weekly with terms of 4 months up to 24 months
(5) Potential Tax Savings:
The Section 179 Tax Deduction allows businesses to deduct the full purchase price of qualifying equipment and/or software purchased or financed during the tax year. Meaning, if you buy (or lease) a piece of qualifying equipment, you can deduct 100% of the purchase price from your gross income. You can secure the equipment, tools, and technology you need, while also taking advantage of significant tax deductions - up to $1,000,000. Consult your tax professional for more details.
(6) Guaranteed lowest payment:
Pursuant to the terms and conditions specified in these Rules and Restrictions of the Guaranteed Lowest Payment, National Funding guarantees to provide the lowest payment on equipment leased through National Funding, for lease terms from 24 to 60 months, or to pay $1000 towards qualifying executed leases. Lease payment comparisons must be based on a lease in excess of $10,000, for approved equipment, and with the same terms and conditions as those offered by National Funding within seven days that the National Funding terms are issued. To be eligible, customers must provide a competitive lease quote without contingencies, and vendor invoice, and in the name of the lessee within seven calendar days of the date National Funding issues its terms. Guarantee only valid on competitive equipment leases. Equipment finance agreements do not qualify.
In the event that the monthly lease payment amount from the competing lease company or bank is lower than the monthly payment that is being offered by National Funding for the same equipment and pursuant to the same terms, National Funding will verify the validity and accuracy of the competing leasing company’s or bank’s payment options, terms and the vendor quote. National Funding has the option, in its sole discretion, to either beat the competing leasing company’s or bank’s monthly payment rate, or pay $1000 to the lessee. The lessee must provide National Funding with the competing company’s or bank’s signed lease agreement with payment terms/options, and take delivery of the equipment. Payments will be made within 30 days, and lessee is responsible for any taxes.
The Guaranteed Lowest Payment is available to both new and established customers of National Funding. This offer is valid for new lease applications only. The Guaranteed Lowest Payment is not retroactive — a previously funded equipment lease with National Funding is not eligible for the Guaranteed Lowest Payment. Only non-contingent offers of lease terms and payment are eligible. Offers made to lessee that include subsidization by manufacturers and/or vendors will not be considered in comparing competing offers.
The Guaranteed Lowest Payment may be discontinued at any time without notice.
To participate in the Guaranteed Lowest Payment program, if you have a lease agreement and vendor quote which you believe will qualify for the program, contact your National Funding Lease Manager.
(7) Terms and Conditions apply:
This is not a guaranteed offer of credit. Loans subject to lender approval. Approval amount is based on eligibility determined by information obtained from Dun & Bradstreet. Actual eligibility may vary. Restrictions may apply. Application is subject to approval by the lender and is based on factors such as business type, time in business, annual sales, average bank balances, personal credit and other variables deemed relevant by the lender.