Medical practice equipment financing

Equipment is usually the largest single purchase medical practices make, and financing it against the asset generally prices below unsecured working capital.

What gets financed

Diagnostic and imaging equipment

Exam room and clinic build-out

EMR and practice management systems

Practice acquisition

Bridging insurance reimbursement

Provider hiring and ramp-up

Equipment finance or working capital?

Buying the asset itselfEquipment financing. Secured by the equipment, so it usually prices below unsecured funding and leaves your working capital free.

Uneven or recurring needA line of credit. Sits unused until you need it, and you only pay for what you draw.

A defined one-off purchaseA term loan. Fixed amount, fixed schedule, 0% origination and 50% off remaining interest on a full early payoff.

Already carrying an advanceA refinance or buyout. Balances of $100,000 or less can often be bought out.

Insurance reimbursement is the defining cash-flow problem in a medical practice. The work is done, the claim is filed, and the money arrives 30 to 90 days later while payroll runs every two weeks.

Matching the term to the asset

The most common mistake is a term that outlives the equipment or a payment that lands before the equipment earns. Financing diagnostic imaging, exam-room build-outs, EMR systems and specialty equipment over a term roughly matched to its working life keeps the payment covered by what the asset produces.

Common questions

Can medical practices finance equipment with bad credit?

Revenue-based funding starts at a 600 credit score and 6 months in business, a 600 FICO. Equipment secured by the asset is often more forgiving than unsecured funding.

Is equipment financing cheaper than a loan?

Generally yes, because the lender has the asset behind it. It is usually slower, since the equipment has to be valued.

What equipment qualifies?

For medical practices: diagnostic imaging, exam-room build-outs, EMR systems and specialty equipment.

How fast is funding?

Same-day decision and next-business-day funding on a complete file.

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