Finance imaging, surgical, and dental systems around useful life.

Healthcare is one of the most equipment-intensive industries. Whether you're a single-physician primary care practice or a multi-location specialty group, the equipment you operate directly determines the services you can offer, the patients you can treat, and the revenue you can generate. Outdated equipment doesn't just reduce efficiency — it limits your clinical capability and competitive position.

But medical equipment is expensive, and the economics are unique. An X-ray system has a 7–10 year useful life. A dental CBCT scanner might generate $200K in annual revenue but costs $120K upfront. Paying cash for equipment depletes the working capital you need for payroll, rent, supplies, and insurance reimbursement timing gaps. Waiting for bank approval means losing months of revenue the equipment would have generated.

Equipment financing addresses this by spreading the cost across the asset's productive life — matching payments to the revenue the equipment generates. For medical practices operating on insurance reimbursement timelines (30–90 days), preserving working capital while investing in capability is a strategic necessity, not a luxury.

Medical equipment financing isn't one-size-fits-all. The right structure depends on the equipment type, your practice's financial position, and whether you intend to own or return the equipment at term end.

Equipment loans

Fixed-rate financing where you own the equipment at payoff. Structured around the useful life — typically 3–7 years for most medical equipment — with monthly payments that align with your reimbursement cycle. The equipment itself serves as collateral, which means less pressure on other assets.

Equipment leases with purchase options

For equipment with rapid technology cycles — like ultrasound systems, practice management software, or patient monitoring — a lease with a fair market value or $1 buyout option lets you use current technology without committing to long-term ownership of an asset that may become obsolete.

Combined facilities for larger practice investments

Opening a new location or completing a major renovation often involves both equipment and working capital needs. We can structure a combined facility — equipment financing for the assets plus a working capital line for the ramp-up period — through a single advisory relationship.

Facilities range from $50K for a single piece of equipment to $5M+ for multi-location practice build-outs, with terms and structures matched to the revenue impact of the equipment being financed.