Equipment Financing
Standard for long-service assets — sterilizers, surgical tables, exam rooms — a practice will use for years.
Industries · Medical
Medical equipment financing
Clinical equipment defines what a practice can diagnose and treat. Financing spreads that cost across the years the equipment serves patients.
The work
Equipment reality
Medical equipment is regulated, calibrated, and maintained under formal service contracts. Imaging systems, surgical suites, and laboratory analyzers carry long service lives, and much of the category has an established certified-refurbished market that puts late-model systems within reach of smaller practices. Technology keeps moving underneath it all — software versions and imaging generations are part of the ownership cycle, not an afterthought.
Financing structures for medical equipment include term loans on long-service assets, leases timed to technology refresh, and larger structures for imaging suites and multi-room buildouts. Installation, service contracts, and the software a device requires are commonly included in the request. Reviews typically consider the practice's operating history, licensure, and revenue pattern alongside the equipment itself — and for new practices, the practitioners' credentials carry real weight.
Eligible equipment
What typically qualifies
- MRI systems
- CT scanners
- digital X-ray systems
- ultrasound machines
- surgical C-arms
- surgical tables and lights
- anesthesia machines
- patient monitoring systems
- sterilizers and autoclaves
- laboratory analyzers
- dental chairs and imaging
- exam tables and treatment chairs
- ophthalmic diagnostic equipment
Qualification
What lenders typically weigh
- Time in practice — new practices are reviewed with more weight on credentials and personal financials.
- Licensure of the practice and its practitioners.
- Equipment age and support status — certified-refurbished systems are common, and manufacturer support matters to the review.
- Revenue consistency of the practice.
- Existing practice debt.
- Down payment available.
Descriptive, not a promise — factors and weightings vary by file.
Checklist
Documents to have ready
- Recent business bank statements — several months is typical
- Business tax returns, typically the last two years
- Practice and practitioner license details
- Vendor quote including installation and any service contract
- Debt schedule for the practice
- Government ID for the owners
Questions
Asked and answered
Refurbished imaging is an accepted category, and it is commonly financed. Reviews typically look at who performed the refurbishment, whether the system is still supported by the manufacturer or a qualified service organization, and its remaining useful life.
Commonly, yes. Most clinical devices arrive with required software and a service contract, and when those are quoted with the equipment they are typically included in the same schedule.
New practices are a familiar part of this category. Time in business is one factor; for newer practices, reviews typically lean on the practitioners' licensure and credentials, personal financials, and the equipment itself. The eligibility check gives a directional read without collecting contact details.
Multi-device packages — an imaging suite, an operating room, a full clinic buildout — are commonly handled as a single request under a large-ticket structure, with installation and service contracts included. The large-ticket financing page covers how those requests are put together.
Related industries
Run the numbers. Then decide.
The calculators and the eligibility check show results on the page — no email required, no contact details collected. When the structure makes sense, the application asks for the equipment, the amount, and your timeline. Terms arrive in writing before anything is owed.