Practice equipment in the $25,000 to $150,000 range — the imaging system, the operatory package, the in-office lab, the second-location fit-out. Our principal built and ran an equipment financing program inside a medical device company, which is why these files get read here the way an underwriter reads them.
A practice sits behind a professional license, bills through payers on a lag, and often buys as a package rather than as a single machine — a build-out, a fit-out, an operatory added to a room that is already running. Those three facts change how the file should be structured, how the equipment schedule should be presented, and which lenders are worth sending it to at all.
Most of what a practice buys in this range is durable, serviceable, and well understood as collateral. That works in your favor when the file explains the practice properly. It works against you when a generalist sends a $60,000 in-office imaging system to a desk that has never valued one.
This is where we put our attention inside medical. It is not a limit — if your practice is not below, the process is the same.
Mohs surgery microscopes and grossing stations; in-office histology — microtomes, tissue processors, stainers; cryosurgery units, electrosurgical generators and hyfrecators; digital dermatoscopy and total-body photography; UVB and excimer phototherapy; procedure chairs and tables, surgical lighting, smoke evacuation.
CBCT and panoramic imaging, digital sensors, phosphor plate scanners; intraoral scanners; chairside mills, 3D printers, sintering and curing ovens; operatory packages — chairs, delivery units, lights, cabinetry; compressors and vacuum systems; sterilization centers and autoclaves; endodontic microscopes, rotary and apex locators; sedation monitoring.
Digital podiatric X-ray and weight-bearing extremity CT; musculoskeletal ultrasound; shockwave and EPAT; vascular testing — ABI, Doppler, PAD screening; orthotic fabrication — 3D foot scanners, CNC mills, ovens and presses, grinders with dust collection; procedure and surgical chairs and tables.
Mini C-arm fluoroscopy, digital radiography, weight-bearing extremity CT; DEXA; musculoskeletal ultrasound; arthroscopy towers, powered surgical tools, surgical navigation; shockwave and ESWT; casting, bracing and in-office DME fabrication; surgical and procedure tables, surgical lighting.
Isokinetic dynamometry and strength testing; anti-gravity and underwater treadmills, hydrotherapy pools; gait and motion analysis — force plates, pressure mats, motion capture; spinal decompression and powered traction tables; shockwave and EPAT; combination therapy units — ultrasound, e-stim, diathermy; balance and proprioception systems; powered treatment tables and multi-table build-outs; rehab gym packages.
PRP and BMAC centrifuges and closed processing systems; biosafety cabinets and cell processing stations; cryogenic storage and lab freezers; ultrasound for guided injection; mini C-arm fluoroscopy; shockwave systems; procedure tables and surgical lighting.
OCT, fundus cameras, visual field analyzers, and in-house edging labs.
C-arm fluoroscopy, RF ablation generators, and procedure tables.
Endoscopy towers, video stroboscopy, and audiometric booths.
Ultrasound, cystoscopy, and urodynamics.
In-office lab analyzers, EKG, spirometry, ultrasound, and sterilization.
Digital X-ray, anesthesia machines, in-house analyzers, and surgical and dental tables.
Everything flows through us. If underwriting asks for bank statements or returns, you send them once and we handle the rest.
Your score is untouched while you evaluate your options. A hard inquiry happens only at the lender, only after you decide to proceed.
Practices rarely buy one item. Multiple pieces, install, and build-out costs belong on a single application rather than split across three of them.
If a file has a problem, you hear it early, with the reason and the path forward.
Depending on lender and credit profile, payment structures such as deferred first payments, step payments, or seasonal schedules may be available. We'll tell you what's realistic for your file before anyone pulls hard credit.
Equipment financing and Section 179 can work together. Many practices deduct qualifying equipment costs in the year the equipment is placed in service, even when the purchase is financed, which can make financing more advantageous than it first appears. The details depend on your situation, so talk to your tax advisor. A guide on Section 179 and equipment financing is coming to our blog.
We help your buyers get to yes, with a process built by someone who has worked your side of the table.
Medical practice equipment is one of the places we focus, not the only one. We also arrange financing for manufacturing and industrial production, production, broadcast and film, construction and contracting, transportation and vocational trucks, auto and truck service, and fitness and wellness. See all industries →
