Healthcare and Medical Practices Equipment Financing

Keeping your practice up to date with the right tools is essential for patient care. Whether you need financing for medical devices, new diagnostic equipment, or upgraded office technology, our healthcare equipment programs are built to keep cash flow steady while you invest in growth

Healthcare and Medical Practices Equipment Financing

Our healthcare equipment financing options give you flexible payment structures, competitive terms, and funding that aligns with insurance cycles and reimbursement delays. You can finance new or used equipment, software, and related installation costs under one program, so you are not juggling multiple lenders.

If you have been searching for “guaranteed healthcare equipment financing,” our goal is to approve as many qualified practices as possible, even if you have been declined elsewhere. We review your full business picture, not just a credit score, and move quickly so you can schedule installations, staff training, and new services without long waits

Minimum Requirements for Equipment Financing

To qualify for healthcare and medical equipment financing, you should meet the following guidelines:

Minimum Revenue	$10,000 / month
Length in Business	5 months or more
Ownership %	Minimum of 51% Ownership
Personal Credit	US FICO 500+

Types of Healthcare Equipment Financing Options

Term Financing for Medical Devices

Best for large purchases such as imaging systems, lab analyzers, or surgery equipment. You receive the full amount up front, pay your vendors, and then repay in steady monthly installments that match your practice budget.

Equipment Leasing for Clinics and Practices

Leasing lets you use the latest technology without a big initial payment. At the end of the term, you can upgrade, return, or buy the equipment, which helps you stay current as standards and technology change.

Working Capital plus Equipment Bundles

Some practices need more than hardware. This option combines equipment funding with extra working capital for build-outs, staffing, or marketing so you can launch new services and manage cash flow at the same time.

Flexible Programs for Challenged Credit

If your credit profile is not perfect, these programs focus more on business performance and revenue than on past scores. Structures can be adjusted with different terms, down payments, or collateral to help more providers qualify.

Refinance & Upgrade Programs for Existing Equipment

If you already have financed devices, we may be able to refinance them on better terms or roll them into a new package when you upgrade. This can lower monthly payments, free up cash, and keep your practice from being stuck with outdated equipment.

Healthcare Equipment Financing Services

Medical and healthcare businesses face unique pressures: insurance delays, seasonal patient volume, and strict compliance requirements. Our financing services are built around those realities. We coordinate with your vendors, move quickly on approvals, and tailor payment terms to your cash-flow pattern so your practice can focus on patients, not paperwork.

Whether you are opening a new location, adding a treatment room, or replacing outdated devices, our team helps you compare options, understand costs, and choose a structure that supports long-term growth. From diagnostics to IT and back-office systems, we work to keep your practice equipped, efficient, and ready for what’s next.

Who We Serve

Frequently Asked Questions

What is the process for getting healthcare equipment financing?

Getting started is easy. Submit a short application with basic business details, recent bank statements, and an equipment quote or invoice. Our team reviews your information, discusses options with you, and issues an approval decision, often within a few business days. Once documents are signed, funds are released or your vendor is paid so installation can move forward.

What are the repayment terms for medical equipment financing?

Repayment terms vary based on the type of equipment, ticket size, and your practice’s financial profile. Many healthcare clients choose terms from 12 to 60 months with fixed payments, so it is simple to plan around insurance reimbursements and seasonal changes in patient volume. We will walk you through total cost and monthly estimates before you decide.

Can I qualify for healthcare equipment financing if my credit score is low?

Yes, it may still be possible. While personal credit is one factor, we also look at monthly revenue, time in business, and the overall health of your practice. In some cases, a stronger co-owner, larger down payment, or different structure can help you move forward even with past credit challenges.

What are the eligibility requirements for healthcare and medical practices equipment financing?

Most programs require that your business is actively operating, meets minimum monthly revenue, and has at least one owner with 51% or more ownership. You should be able to provide bank statements, identification, and equipment details from a vendor. Certain specialty equipment may have additional documentation needs, which we will outline during your consultation.

Healthcare and Medical Practices Equipment Financing