Medical Equipment Financing Built for Licensed Doctors

Licensed Human Providers Only

We fund MD, DO, DDS, DMD, DPM, and OD practices, plus DCs and PTs. We do not finance veterinary practices, and we tell you that on day one instead of wasting a week of your time.

500+ Lender Network

Your file goes to the desk that actually funds your specialty and ticket, from a $28,000 Midmark build to a $410,000 Carestream CBCT suite, not to a random call center.

$25K to $1M, One Application

App-only up to $350,000 with no tax returns. Larger imaging and full build-out deals get funded with two years of returns and a recent P&L.

Rates From 5.49% APR

Qualified practices start from 5.49% APR. Nothing is guaranteed; your score, term, ticket size, and time in practice set the real number.

We fund practices led by a licensed clinician. That means an MD or DO, a dentist (DDS or DMD), a podiatrist (DPM), or an optometrist (OD). Oral surgeons, endodontists, periodontists, dermatologists, pain management physicians, ophthalmologists, chiropractors (DC), and physical therapists all fit inside our program too. The through line is simple: you treat human patients under an active state license.

We do not finance veterinary hospitals or mobile vet units. It is not a knock on the field; it is a different credit box with different collateral behavior, and pretending otherwise just burns your time. Telling you no on day one is more useful than a slow maybe.

On the equipment side, if it lives in a clinical setting we can usually fund it:

• Imaging: Carestream CS 9600 CBCT, Planmeca ProMax 3D, GE Vivid and LOGIQ ultrasound, Fujifilm FDR digital X-ray, Hologic bone densitometry.
• Operatory and treatment: A-dec 500 and Midmark chairs, Midmark M11 autoclaves, exam tables, full sterilization centers.
• CAD/CAM and lasers: Dentsply Sirona CEREC Primemill, iTero Element 5D, Biolase Waterlase, Convergent Solea.
• Aesthetic and therapeutic: Cutera Excel V, Candela GentleMax Pro, CURAMEDIX shockwave.

New, used, or a build-out that mixes cabinetry, chairs, and imaging into one invoice. If a vendor cut the quote, we can fund it.

• $312,000 CBCT and operatory upgrade for an endodontist, 11 years in practice, 744 personal score. Carestream CS 9600 plus two A-dec 500 operatories. 60-month term at 5.69% APR, 10% down.
• $128,000 cardiac ultrasound for a two-physician cardiology group, 7 years in practice, managing partner at 705. GE Vivid E95. 48 months at 6.19% APR, first and last payment down.
• $54,000 sterilization and imaging for a solo family medicine DO, 3 years on her own after residency, 681 score. Midmark M11 autoclaves and a Fujifilm digital X-ray. 60 months at 6.49% APR, $0 down through a startup-friendly lender.
• $486,000 full dental build-out for a group practice adding a fourth location, 15 years in practice, 762 score. Six operatories, a CEREC Primemill, and a Planmeca CBCT bundled on one invoice. 72 months at 5.49% APR, 5% down.

Different specialties, different scores, different desks. That is what the 500-lender network is for. None of these are guaranteed rates; your file drives your number, and the seasoned high-credit deals price better than the young ones.

Buying equipment is not just a cost line. A $410,000 CBCT suite that lets an oral surgeon read airways and place guided implants in-house can add several hundred thousand in annual case value that used to get referred out. The financing question is whether the monthly payment is smaller than the new revenue, and for most well-placed capital equipment it is not close.

Then there is the tax side. Under the 2025 tax law, Section 179 lets a qualifying practice expense a large share of equipment placed in service in the same year, and 100% bonus depreciation was restored for assets placed in service after January 19, 2025. In plain terms, a practice can often write off a big portion of that CBCT or CEREC purchase against this year's income while paying for it over 60 or 72 months. You keep your cash, deduct the asset, and let the equipment produce.

We are not your CPA and we will never pretend to be. Run the exact numbers with your accountant before December 31. What we will do is structure the term and the in-service date so the deduction and the cash flow actually line up. A deal that funds on December 28 versus January 3 can move a five-figure deduction into a different tax year, and we watch that on your behalf.

You send one application. We read it and route it to the lenders that fund your specialty, your ticket size, and your credit profile, instead of blasting it everywhere and shredding your file with hard pulls. A $40,000 request from a two-year-old practice goes to a startup-tolerant desk. A $700,000 imaging build goes to a bank-rate lender that wants seasoned providers. Same broker, very different homes.

Application-only usually runs up to $350,000, meaning no tax returns and no financial statements, just the one page and a decision often the same day. Above that ceiling we ask for two years of returns and a recent P&L, and we tell you that at the start so nothing stalls at the finish line.

• Step 1: One-page application, plus the vendor quote.
• Step 2: Same-day or next-day soft matching to the right desks.
• Step 3: Approval with real terms, not a teaser.
• Step 4: Docs to sign electronically, then we pay your vendor directly, usually within 24 to 72 hours.

You keep working. We chase the lenders.

Do you really only finance human healthcare providers?

Yes. We fund practices led by a licensed MD, DO, DDS, DMD, DPM, or OD, plus DCs and PTs. We do not finance veterinary hospitals or mobile vet units, and we say so on day one instead of stringing you along.

How much can I finance with just an application?

Up to $350,000 with no tax returns and no financial statements. Above that ceiling we ask for two years of returns and a recent P&L, and we tell you that at the start so nothing stalls at signing.

Can I finance used or refurbished equipment?

Yes. New, used, or a mixed build-out that combines chairs, cabinetry, and imaging on one invoice all qualify. If a vendor cut the quote, we can fund it.

What rates should I expect?

Qualified practices start from 5.49% APR. Your credit score, ticket size, term, and time in practice set the real number, and no rate is guaranteed until your file is approved.

Can a brand-new practice qualify?

Yes. We have startup-friendly lenders that fund providers in their first year out of residency or after a buy-in, usually with a modest down payment.