Medical and Dental Equipment Financing for Practices and Clinics
Finance imaging systems, surgical equipment, dental chairs, lab analyzers and diagnostic tools without draining your practice reserves. We connect healthcare providers with capital sources in our network that specialize in medical equipment.
Program Parameters
Medical equipment financing at a glance
Programs vary by capital source. Final terms disclosed at offer.
$10K to $2M
Financing Range
24 to 48 Hours
Approval Timeline
Terms to 84 Mo.
Flexible Repayment
100%
Equipment as Collateral
Medical equipment we finance
Our capital sources cover a wide range of healthcare and dental equipment categories. If your specific asset is not listed, contact us. We handle specialty equipment requests across most clinical settings.
Imaging Systems
MRI machines, CT scanners, X-ray systems, ultrasound equipment and DEXA bone density scanners. Imaging is capital-intensive and depreciates slowly, which makes it strong collateral for asset-based financing programs.
Dental Equipment
Dental chairs and delivery units, CBCT scanners, panoramic X-ray systems, CAD/CAM milling machines and autoclaves. Our capital sources include programs designed specifically for dental practices at all stages.
Surgical Equipment
Operating room tables, anesthesia machines, laparoscopic tool systems, surgical lasers and electrosurgical units. Surgery center and ambulatory surgical center equipment qualifies under dedicated programs.
Laboratory Equipment
Chemistry analyzers, hematology analyzers, centrifuges, PCR machines, microscopes and lab automation platforms. In-house lab equipment reduces referral costs and pays for itself quickly.
Diagnostic Technology
EKG and ECG systems, patient monitoring stations, sleep study and polysomnography equipment, ophthalmology instruments and audiometry testing systems. Diagnostic assets qualify under standard medical equipment programs.
Sterilization and Support
Autoclaves and steam sterilizers, ultrasonic cleaners, HVAC and air filtration systems for clean environments and medical-grade storage and cart systems. Infrastructure assets can often be bundled with primary equipment in a single facility financing package.
Who qualifies for medical equipment financing
We work with healthcare providers across most clinical specialties and practice types. Two or more years in business is preferred by most capital sources, but newer practices with strong practitioner credit profiles are considered under specialty healthcare programs.
The key qualifying factors are your personal and business credit profile, the practice revenue relative to the requested payment and the equipment value. Because the equipment serves as its own collateral, underwriting is faster and more accessible than traditional bank financing for most practices.
Buckle Up Capital is a broker, not a lender. We do not lend directly. We match your practice to capital sources in our network that are the right fit for your equipment type and financial profile.
Practice Types
Who we work with
How medical equipment financing works
Submit your equipment details and a vendor quote or purchase invoice. We do not pull credit at intake. The whole intake takes about five minutes.
We match your request to capital sources in our network that specialize in medical and dental equipment financing. You receive a term sheet in 24 to 48 hours.
Accept the terms. The capital source performs a quick equipment appraisal. In most cases no additional collateral beyond the equipment is required.
Funds release directly to the vendor at closing. Equipment is delivered to your practice and you put it to work on day one.
For most medical equipment transactions under $150,000 the process runs on a streamlined one-page application with no formal business financials required. Larger transactions above $150,000 typically add two years of tax returns and a profit and loss statement.
Specialty or high-value equipment above $500,000 may require an independent appraisal. Our team coordinates all documentation requests so you can focus on your practice while we manage the financing process.
Medical equipment financing rates and terms
Rates start from 6.99% for practices with strong credit profiles and established operating histories. Because the equipment itself serves as collateral, rates are generally more competitive than unsecured business financing products.
Terms run from 36 to 84 months depending on the asset. Imaging systems and surgical equipment with long productive lives qualify for longer terms. Diagnostic technology that refreshes on a three to five year cycle is better matched to shorter terms or operating lease structures.
Many programs also allow soft costs such as equipment installation, staff training and extended service contracts to be rolled into the financed amount. This means your practice can have the equipment operational with no cash outlay beyond the first month's payment.
No prepayment penalty is available on many programs, giving practices the flexibility to pay off equipment early if cash flow allows. Final rates and terms are disclosed in the term sheet from the capital source.
Rate Factors
What affects your rate
Rates are indicative and subject to market conditions. Final rate disclosed at term sheet.
Lease vs finance: which is right for your practice
Both structures let your practice acquire equipment without a large upfront purchase. The right choice depends on how long you plan to use the asset and whether ownership or balance sheet treatment matters for your practice.
Equipment Loan
You own the equipment
Operating Lease
Lower payments, easy upgrades
Not sure which structure fits your practice? Tell us what equipment you need and we will present both options with actual payment estimates. Most practices benefit from seeing side-by-side numbers before committing to a structure. We offer both loan and lease programs through capital sources in our network.
Medical equipment financing questions
All financing facilitated by Buckle Up Capital is for business and commercial purpose only. Buckle Up Capital is a broker, not a lender. Financing is placed with capital sources in our network. Rates and terms vary by capital source and are not a commitment to lend.
Other equipment financing solutions
Equipment Financing
Asset-based financing for all commercial equipment types.
Heavy Equipment Financing
Excavators, cranes, dump trucks and construction iron.
Equipment Leasing
Operating and capital leases to keep equipment off the balance sheet.
Equipment Financing Programs
Full overview of all equipment financing programs we offer.
Finance the equipment your practice needs today.
Submit your equipment details and we will match you to capital sources in our network that specialize in medical and dental financing. No credit pull at intake. Term sheet in 24 to 48 hours.