Healthcare Practices
Medical & Dental Equipment Financing
Finance imaging systems, dental chairs, lasers, lab and surgical equipment, new or used. $10K to $5M, terms up to 10 years and rates from 7% for physicians, dentists, veterinarians and other healthcare practices.
$10K - $5M
Single items to full practice build-outs
Up to 100% Financing
For qualified practices
All Specialties
Medical, dental, veterinary and more
How Medical Equipment Financing Works
Medical equipment financing is a loan or lease where the equipment itself secures the debt. Because the lender can rely on the equipment, approvals are usually faster than a general business loan and often need less paperwork. Lenders that specialize in healthcare also understand how practices earn revenue, so a new or recently acquired practice can qualify on the provider's credentials and credit.
You can finance a single device or package a full set of equipment, plus delivery and installation, into one payment. If you're deciding between owning and leasing, see our equipment loan vs. lease comparison. For general-purpose equipment, start with equipment financing. Buying a practice? Use business acquisition loans. To buy your office building, see owner-occupied commercial real estate loans.
Medical Equipment We Finance
Diagnostic & imaging
• MRI and CT systems
• Digital X-ray
• Ultrasound
• EKG and monitoring
• Laboratory analyzers
• Mammography
Surgical
• Surgical tables and lights
• Anesthesia machines
• Laser systems
• Endoscopy towers
• Sterilizers and autoclaves
• Surgical microscopes
Practice & office
• Exam tables and chairs
• Practice management systems
• Physical therapy equipment
• Optometry lanes
• Furniture and build-out
• Patient monitoring
Typical Terms
Amounts:$10K to $5M
Rates:From 7%
Terms:1-10 years
Down payment:As low as 0% for qualified practices
Decision:Usually 24-48 hours
Why Practices Finance Equipment
- • Keep cash for payroll, rent and supplies
- • Fixed monthly payments you can plan around
- • Add services and equipment as the practice grows
- • Possible tax deductions (ask your tax advisor)
Rates and terms depend on credit, time in practice, the equipment and the lender.
Dental Equipment Financing
Finance dental chairs and delivery units, panoramic and cone-beam (CBCT) imaging, intraoral scanners, CAD/CAM milling, dental lasers and sterilization centers. Lenders finance single items for an established office as well as full equipment packages for a startup or newly acquired practice.
Veterinary Equipment Financing
Finance digital radiography, ultrasound, anesthesia and monitoring, surgical tables and lights, in-house lab analyzers, dental units and kennel or boarding build-outs for small-animal, equine and mixed-practice clinics.
Healthcare Equipment Financing for Other Practices
Chiropractic, physical therapy, optometry, dermatology and med spa, urgent care, ambulatory surgery centers and independent labs all finance equipment the same way: the equipment secures the loan, and payments are sized to what the practice can carry.
What Lenders Look For
- The provider's license, specialty and years in practice (new practices can qualify)
- Personal and business credit history
- A quote or invoice from the equipment vendor
- Practice cash flow: bank statements, and tax returns for larger requests
- Existing debt and payments on the practice
Smaller requests can often be approved on an application and an equipment quote. Larger ones need tax returns and financial statements.
How It Works
- 1
Get a quote
Choose the equipment and get a written quote from your vendor.
- 2
Apply once
One short application goes to the lenders that fit your practice and the amount.
- 3
Compare offers
Review rates, terms and down payment side by side. Decisions usually take 24-48 hours.
- 4
Lender pays the vendor
Sign the documents and the lender pays your vendor directly, so delivery can be scheduled.
Explore Related Financing Options
Compare financing options to find the best fit for your business needs
$10K–$5M
Equipment Leasing
Lease business equipment with lower upfront costs and potential tax advantages.
Learn more$10K–$10M+
Equipment Loans
Fixed-rate equipment purchase financing with predictable monthly payments.
Learn moreUp to $5M
SBA 7(a) Loans
The most flexible SBA program with up to $5M for working capital, equipment, and real estate.
Learn more$5K–$5M
Working Capital Loans
Short-term funding for day-to-day operations, payroll, inventory, and cash flow gaps.
Learn moreFAQ
Frequently Asked Questions
Lenders in our network finance most practice equipment: MRI, CT, X-ray and ultrasound systems, dental chairs and imaging, surgical tables, anesthesia machines, lasers, sterilizers, laboratory analyzers, exam room furniture and practice management systems.
Often, yes. Equipment lenders know healthcare, so a new practice can qualify on the provider's license, training and personal credit, together with a business plan, even without years of practice financials. Expect stronger terms once the practice has a track record.
Many lenders offer up to 100% financing for qualified practices, and some can include delivery, installation and training in the loan. That keeps cash free for payroll, rent and supplies while the new equipment starts producing revenue.
Finance equipment you plan to keep for its full life, such as dental chairs, sterilizers or exam furniture, so you own it outright when the loan is paid. Consider a lease for imaging and other technology you expect to upgrade in a few years. Ask your tax advisor how each option affects your deductions.
Terms usually run from 1 to 10 years and are matched to the equipment's useful life. Longer terms lower the monthly payment; shorter terms lower the total interest you pay.
Yes. Lenders finance new, used and certified refurbished equipment from reputable dealers. Refurbished systems can cost much less than new, though terms may be shorter because the equipment has less remaining life.
Still have questions? Our loan experts are here to help.