Equipment Financing at the Speed of Healthcare
Don't let equipment downtime disrupt patient care. Fast, flexible financing for medical equipment from $100K to $2M with 24-hour approvals.
Healthcare Can't Wait for Slow Financing
Patient care demands speed, precision, and reliability in equipment financing.
Equipment downtime loses patients and revenue?
Every day without functioning diagnostic equipment means delayed diagnoses, frustrated patients, and lost revenue. Your practice needs equipment that works now.
Need advanced tech to stay competitive?
Medical technology advances rapidly. Outdated equipment means you can't offer the latest treatments or attract patients seeking cutting-edge care.
Cash flow constraints limiting growth?
Major equipment purchases can drain working capital. Smart financing preserves cash flow while expanding your capabilities and patient capacity.
Missing new patient opportunities?
Without the right equipment, you can't expand services or accept certain insurance plans. This limits growth and revenue potential.
Medical Equipment We Fund
Comprehensive coverage for all your healthcare equipment needs
Diagnostic Imaging
MRI machines (1.5T, 3T, Open), CT scanners, ultrasound systems, digital X-ray equipment, mammography systems
Surgical Equipment
Surgical robots (da Vinci, etc.), laser surgery systems, endoscopic equipment, operating room tables, anesthesia equipment
Laboratory Equipment
Chemistry analyzers, blood analysis systems, microscopes, centrifuges, lab automation, sterilization equipment
Practice Equipment
Patient monitoring systems, dental equipment, veterinary equipment, physical therapy equipment, office systems
Healthcare Success Stories
Real results from real medical practices
Advanced Imaging Center
Challenge: Needed to replace aging MRI machine to maintain patient volume and offer advanced cardiac imaging services.
Solution: $450K financing for new 3T MRI with advanced cardiac imaging capabilities. 48-hour approval with installation coordination.
Result: 40% faster scans, ROI in 18 months, $120K annual revenue increase.
Premier Dental Group
Challenge: Expanding to new location but needed digital imaging suite and surgical equipment without depleting cash reserves.
Solution: $275K equipment package including digital X-ray, 3D imaging, and surgical suite. Structured to match practice ramp-up.
Result: 200+ new patients/month, 15-month payback, $180K additional annual revenue.
Medical Equipment Financing FAQ
Everything you need to know about financing healthcare equipment
What types of medical equipment can be financed?
We finance virtually all types of medical equipment including MRI machines (1.5T, 3T, Open), CT scanners, digital X-ray systems, ultrasound equipment, mammography systems, surgical robots (da Vinci), endoscopic equipment, laser surgery systems, laboratory analyzers, dental equipment, veterinary equipment, physical therapy equipment, and patient monitoring systems. Equipment can be new or used, ranging from $100K to $2M.
How fast can I get approved for medical equipment financing?
Most medical equipment financing applications receive a decision within 24 to 48 hours. Once approved, funding typically occurs within 3 to 5 business days. For urgent equipment replacements affecting patient care, we offer expedited processing to minimize downtime. Our streamlined application process requires minimal documentation — typically just a one-page application and recent bank statements.
What credit score is needed for medical equipment financing?
We work with a range of credit profiles. While stronger credit scores typically receive the best rates, we consider the full picture including practice revenue, time in business, equipment type, and overall financial health. Medical practices are generally strong candidates because of their stable revenue streams and essential service nature. Startups and newer practices may qualify with additional documentation or a larger down payment.
Can I finance used or refurbished medical equipment?
Yes. We finance both new and used medical equipment. Refurbished imaging systems, pre-owned surgical equipment, and certified used diagnostic tools all qualify. Many practices save 40-60% by purchasing refurbished equipment from reputable dealers while still getting the latest clinical capabilities. The equipment must be in good working condition and sourced from a reputable dealer or manufacturer.
What are typical terms for medical equipment financing?
Medical equipment financing terms typically range from 24 to 72 months depending on the equipment type, amount, and useful life. Monthly payments are fixed with no hidden fees. We offer both equipment loans where you own the equipment outright, and lease structures with lower monthly payments and flexible end-of-term options including purchase, return, or upgrade. Rates are competitive and based on your credit profile and deal structure.
Is a down payment required for medical equipment financing?
Down payment requirements vary based on credit strength and deal size. Many qualified applicants receive financing with zero down payment. For larger deals or newer practices, a 10-20% down payment may be required. We work with each applicant to find the best structure for their situation, including seasonal payment plans that align with practice cash flow patterns.
What is the application process for medical equipment financing?
The process is simple: fill out a one-page application online or by phone, provide 3 months of business bank statements, and share the equipment quote from your vendor or dealer. We review everything within 24 hours and provide a clear offer with your rate, monthly payment, and term — no hidden fees or surprises. Once you accept, we coordinate directly with your equipment vendor for payment and delivery.
Can I finance medical equipment for a new practice or startup?
Yes, we finance equipment for new medical practices and startups. While established practices with 2+ years in business typically have the most options, we work with newer practices on a case-by-case basis. Startup applicants may need to provide additional documentation such as a business plan, personal financial statement, or a larger down payment. Medical professionals with strong personal credit and relevant experience are excellent candidates even without an established business history.
How Medical Equipment Financing Works
A complete guide to funding your healthcare practice
Why Finance Medical Equipment Instead of Paying Cash?
Even profitable medical practices benefit from equipment financing rather than large cash outlays. Financing preserves working capital for payroll, marketing, and unexpected expenses. It also provides predictable monthly payments that can be matched against the revenue the equipment generates. A $400K MRI that produces $50K in monthly revenue pays for itself while your cash stays available for other opportunities.
Equipment Financing vs. Equipment Leasing for Medical Practices
With an equipment finance agreement (EFA), you own the equipment from day one and build equity with each payment. This is ideal for equipment with long useful life like MRI machines or CT scanners. With a lease, you make lower monthly payments and have options at the end of the term — purchase for fair market value, return the equipment, or upgrade to newer technology. Leasing works well for rapidly evolving technology like digital imaging or laser systems where you may want to upgrade every 3-5 years.
Tax Benefits of Medical Equipment Financing
Equipment financing offers significant tax advantages for medical practices. Under Section 179, businesses can deduct the full purchase price of qualifying equipment in the year it is placed in service. Lease payments may also be deductible as a business expense. Consult your tax advisor to understand how equipment financing can reduce your practice's tax liability while upgrading your capabilities.
Choosing the Right Equipment Vendor
We work with medical equipment vendors and dealers nationwide, including major manufacturers and authorized resellers. Whether you are purchasing from a national distributor, a regional dealer, or directly from a manufacturer, we coordinate payment directly with your vendor. Our relationships with vendors across the healthcare industry mean we understand equipment values, useful life, and resale potential — which helps us structure the best financing terms for your specific purchase.
Ready to Upgrade Your Medical Equipment?
Join thousands of healthcare practices who chose speed over bureaucracy