Equipment Financing
Medical equipment financing helps practices and facilities acquire diagnostic imaging, surgical equipment, patient monitors, and clinical devices. When banks or vendor programs decline, alternative lenders may evaluate deals based on equipment collateral, revenue, and structure. Brokers and equipment vendors can refer opportunities through the referral partner process.
Practices and facilities need capital to upgrade diagnostic equipment, add treatment capabilities, and improve patient care. Banks often restrict medical lending due to practice size, specialty, or regulatory complexity. When traditional sources decline, equipment financing through alternative lenders may create options depending on deal structure, collateral, and revenue.
Medical equipment vendors and brokers routinely encounter buyers who were declined by banks or in-house programs. Without a referral channel, those deals may not move forward. Medical equipment financing through referral partners provides a path for deals that may qualify depending on structure, revenue, collateral, and lender guidelines. Financing options vary by lender; what one source declines, another may consider.
Diagnostic and surgical equipment often has established useful life and resale assumptions. Lenders evaluate medical deals based on practice revenue, specialty, and equipment type. See what is equipment financing and financing for equipment vendors for broader context on how equipment deals are evaluated.
Situations where medical equipment financing is often sought:
Medical equipment financing operates through referral networks. A broker, equipment vendor, or advisor with a signed referral agreement submits the deal. The financing partner evaluates the opportunity and, if appropriate, matches it to a lender in their network. The referral partner does not broker the loan—they introduce the opportunity and may receive revenue share when the deal closes.
Deals are reviewed based on multiple factors: credit profile, revenue, time in business, equipment type and value, practice specialty, and structure. Opportunities may qualify depending on how these factors align with lender appetites. No approval is promised—each deal is evaluated on its merits.
Imaging equipment declined by vendor program. A radiology practice needs a new MRI; the dealer's in-house program declined due to credit. The vendor refers the deal to a referral partner network. An alternative lender with equipment-backed financing may consider the deal depending on structure and collateral.
Dental equipment declined by bank. A dental practice needs new chairs and imaging; the bank declined due to practice size or time in business. The practice's consultant refers the client to a financing partner. Equipment financing may create options depending on revenue and collateral.
Broker deal outside lender box. A broker has a solid medical equipment deal that does not fit any of their current lenders. They submit to a referral partner network for evaluation. The network may match the deal to a lender with different guidelines.
Brokers use medical equipment financing when deals fall outside their primary programs. Equipment vendors use it when in-house financing declines a buyer. Consultants and CPAs use it when clients need medical equipment and have been declined elsewhere. The common thread: a need for a different evaluation than the first lender provided.
Equipment financing is not a guarantee. It is an additional path to explore when the first path did not work. Send declined business loans and hard-to-place business loans for review through the referral partner process. Review the referral agreement before submitting.
Submit borrower and equipment details by email.
We evaluate the opportunity and identify possible funding paths based on multiple factors.
Partners stay informed throughout the process.
When a deal closes, partners may receive 35% revenue share per the agreement.
FAQ
Diagnostic imaging (MRI, CT, X-ray), surgical equipment, patient monitors, dental equipment, lab analyzers, and other clinical devices. Lenders evaluate equipment type, useful life, and resale value. Eligibility varies by lender and program.
Banks may decline due to practice size, specialty, credit, or regulatory complexity. Alternative lenders may evaluate medical equipment deals differently based on collateral, revenue, and structure. Each deal is evaluated on its merits.
Equipment vendors with a signed referral agreement can refer buyers declined by in-house programs. Vendors introduce the opportunity; the financing partner evaluates it. Learn how vendors get paid for referring financing when deals close.
Credit requirements vary by lender. Equipment-backed deals may consider borrowers with lower credit when equipment collateral and revenue support the transaction. Approval is not guaranteed—each deal is evaluated on multiple factors.
Dental equipment—chairs, imaging, sterilization, and treatment units—may qualify for equipment financing depending on lender guidelines. Eligibility varies by program. Deals are evaluated on structure, revenue, and collateral.
Yes. Brokers and vendors who refer deals must have a signed agreement with the financing partner. The agreement defines compensation, protects both parties, and establishes the process.
Medical equipment may have different useful life and resale assumptions than industrial or restaurant equipment. Lenders evaluate medical deals based on practice revenue, specialty, and equipment type. Eligibility varies by lender and program.
Have a medical equipment deal?
Review the referral agreement, sign it, and submit opportunities for evaluation.
