Application-Only Medical Equipment Financing

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Application-only is exactly what it sounds like: you fill out one page, we make a decision, and there are no tax returns, no financial statements, and no P&L required, up to our app-only ceiling of $350,000. For a busy practice, that is the difference between funding this week and digging through two years of records for a bank.

What we need is short:

- The one-page application. Basic practice and owner information.

- The vendor quote. So we fund the right invoice directly.

- A credit pull. Usually a single soft or hard inquiry to match you to the right desk.

That is it. No collateral appraisal, no site visit, no accountant letter. Most app-only files come back the same day with real terms, and funding follows in 24 to 72 hours once you sign.

App-only works because the lender leans on your credit profile and the equipment as collateral rather than a full financial workup. It is built for capital equipment with a strong resale market, which is most clinical imaging, operatory, and aesthetic gear. The tradeoff is the ceiling: above $350,000, the file moves into full documentation. Below it, one page is genuinely all it takes.

- $180,000 CBCT and CAD/CAM bundle for a general dentist in Denver, 9 years in practice, 738 score. Carestream CS 9600 paired with a Dentsply Sirona CEREC unit, funded on a single application with no tax returns and a same-day decision. 66 months at 5.74% APR, $0 down.

- $64,000 operatory package for a general practitioner, 4 years in practice, 706 score. A-dec 500 chair and a Midmark M11 autoclave. 60 months at 6.19% APR, 10% down.

- $128,000 diagnostic imaging for an optometry practice, 12 years in practice, 765 score. Optos California and a Zeiss Humphrey Field Analyzer 3. 60 months at 5.59% APR, $0 down.

- $295,000 aesthetic platform for a dermatology practice, 7 years in practice, 724 score. Sciton Joule with BBL and an InMode device. 66 months at 5.89% APR, 10% down.

Every one of these funded on the strength of a single application. No returns, no financials. Your rate depends on your file, and none of these are guaranteed.

The whole point of app-only financing is to keep your working capital while still owning the equipment, and the tax code rewards that. Under the 2025 tax law, Section 179 lets a qualifying practice expense a large share of equipment placed in service the same year, and 100% bonus depreciation was restored for assets placed in service after January 19, 2025. So a dentist financing a $180,000 CBCT and CEREC bundle can often write off a big portion of it against this year's income while paying it over 66 months.

Think about what that combination does. You put little or nothing down, you take a large deduction now, and the equipment starts producing immediately. A CEREC unit that lets a GP mill same-day crowns keeps lab fees and second appointments in-house; a CBCT keeps implant planning from getting referred out. The new production plus the tax deduction routinely beats the monthly payment.

We are not your accountant, so run the exact figures with your CPA before year-end. What we handle is the structure: matching the term and the in-service date to your deduction so the paperwork and the cash flow actually work together, all off a single application.

We are straight about the ceiling so nothing stalls at signing. Application-only runs up to $350,000. Below that line, one page and the vendor quote is all we need. At or above it, the file moves into full documentation:

- Two years of business tax returns.

- A recent profit and loss statement.

- Sometimes bank statements for the largest or most complex deals.

None of that is a hurdle if you know it up front, which is why we tell you on day one instead of at the finish line. If your request is $360,000, we will either show you the full-doc path or, when it makes sense, structure the deal so the core equipment funds app-only and the balance follows.

Full documentation is not a downgrade; it usually unlocks better pricing and longer terms on big-ticket imaging and build-outs, because the lender can see the whole financial picture. The app-only ceiling is about speed and simplicity for mid-size deals, not a cap on what we can do. We fund well past $350,000 every month. We just do it with the right paperwork, and we tell you which lane you are in before you ever sign.