The request goes from Deerbrook Lenders to a funding partner, and the partner makes every decision on it.
Three invented cases: a surface EMG and thermal scanning system with an instrument adjusting device on 48 months of equipment financing, compression recovery systems and a hydromassage table on a 42-month term loan, and a six-month working capital loan for a brace and supply order. X-ray shielding and room build-outs are property work.
At a glance
- Offices of other health practitioners (NAICS 6213), Jackson County, MS
70 employer establishments (CBP 2023)
- Of those, offices with fewer than five employees
45, or 64.3% (CBP 2023)
- Offices of other health practitioners with a ZIP 39567 address
5 employer establishments (ZBP 2023)
- Offices of other health practitioners with no paid employees, Jackson County, MS
186 (NES 2024)
Surface EMG and thermal scanning instruments for a Pascagoula, MS chiropractic office: equipment financing
An invented case: a chiropractic office in Pascagoula, MS adds a surface EMG and thermal scanning system at $13,960 and an instrument adjusting device at $3,240, an invented $17,200 for the pair.
Spread across 48 months of equipment financing at 11.6% a year, the invented instruments run $449.57 a month; the full invented schedule totals $21,579.36, and $4,379.36 of it is interest.
Both instruments are portable, serial-numbered devices, so a funding partner may treat them as the collateral. It may ask for the vendor quote and recent bank statements, and it sets any term.
An office replacing an older scanning system can mention the trade-in on the request. A partner may count a vendor trade-in credit against the price, or may leave it out of its review.
Compression recovery systems and a hydromassage table at a Jackson County, MS therapy clinic: a term loan
In a second invented case, a physical therapy clinic in Jackson County, MS adds 3 pneumatic compression recovery systems at $1,890 each and a dry hydromassage table at $12,780, an invented $18,450.
Priced at 12.95% a year and stretched over 42 months, a term loan for this invented pair asks the clinic for $548.66 each month. Across the invented term the clinic pays $23,043.72, $4,593.72 of it interest.
The hydromassage table is sealed and plugs into an outlet; if the clinic needs a new circuit for it, that wiring is property work outside this site. Equipment financing is another route for both items, and the partner decides which, if either, it offers.
Fixed payments for a brace and supply order: a Pascagoula, MS therapy clinic example
In a third invented case, a Pascagoula, MS therapy clinic places one large order for braces and supports sold at the front desk, plus electrode pads, kinesiology tape and gel for the treatment rooms, an invented $14,700.
A six-month working capital loan at 16.05% a year puts the invented payment at $2,565.96 a month. In all the clinic pays an invented $15,395.76, of which $695.76 is the cost of borrowing.
Braces sold at the front desk come back as sales over the following weeks, while pads, tape and gel are used up in treatment. Neither leaves much to pledge, which is why a fixed working capital payment, not equipment financing, is the fit in this case.
A fixed payment suits a single large order; when orders repeat every month, a credit line may fit better. A partner may look at the clinic's bank statements and the supplier invoice and decides on any offer.
Offices of other health practitioners in Jackson County, MS: solo offices and ZIP 39567
This page uses the County Business Patterns group for chiropractors, physical, occupational and speech therapists, optometrists and similar offices. For 2023 it counted 70 offices of other health practitioners with a payroll in Jackson County, MS (NAICS 6213), with 499 employees and $26.5 million of annual payroll.
Offices with a staff under five made up 45 of the 70 (64.3%). At that size, a scanning system or a recovery package is a large purchase.
By street address, 5 offices of other health practitioners sat in ZIP 39567 in the 2023 ZIP Code Business Patterns file.
Nonemployer Statistics 2024 counted 186 offices of other health practitioners with no paid employees in Jackson County, MS, a separate measure from the employer figures. More county and ZIP 39567 figures are on the Pascagoula, MS page; physician and dental offices share this group on the industries page.
X-ray shielding and treatment-room build-outs: outside a Pascagoula, MS chiropractic request
Some therapy office costs are work on the building. Lead-lined walls for an X-ray room, new treatment rooms, plumbing for hydrotherapy tubs and added circuits are property work, and a chiropractic request on this site leaves them out.
Portable instruments, recovery equipment, tables, software and payroll are business costs a request can name, and the funding partner decides on each.
By Deerbrook Lenders · Updated
