Fast Medical Equipment Financing, Funded in 24 to 72 Hours

Same-Day Approvals

App-only requests up to $350,000 decisioned the same day, no tax returns, so you can hold the vendor's last unit before it ships to the practice across town.

Funded in 24 to 72 Hours

We pay your vendor directly once documents are signed, usually within one to three business days, not the two-week wait a bank committee runs on.

One-Page Application

A single page and the vendor quote is enough to start. We closed a Tampa spa's Cutera Excel V laser in one afternoon on exactly that.

500+ Lenders, One Submission

We route your file to the fastest desk for your specialty and score instead of blasting it everywhere and burning your credit with hard pulls.

Speed is a process, not a promise. Here is how the fast track actually runs:

• One-page application. You send the app and the vendor quote. That is enough to start on app-only requests up to $350,000, with no tax returns.
• Same-day soft matching. We read the file and route it to the desks that fund your specialty and score fastest, instead of shotgunning it and racking up hard pulls.
• Real approval, same day. You get actual terms, not a maybe. If a lender needs one more item, we tell you immediately so nothing sits overnight.
• E-sign and fund. Documents go out electronically. Once you sign, we pay your vendor directly, usually within 24 to 72 hours.

The bottleneck in most equipment deals is not the money, it is the back-and-forth. We remove it by asking for the right things once and matching you to a desk that can move. When a distributor is holding the last unit at quarter-end, that difference is the deal. Fast approvals also protect your pricing: vendors discount to close now, and a slow lender can cost you the discount that made the purchase worth it in the first place.

• $92,000 aesthetic laser for a physician-owned med spa in Tampa, 4 years in practice, 719 score. Cutera Excel V+. Application in before lunch, approved mid-afternoon, vendor paid the next morning. 60 months at 5.99% APR, $0 down.
• $46,000 intraoral scanner for an orthodontist, 6 years in practice, 733 score. iTero Element 5D. Same-day approval. 48 months at 5.74% APR, 10% down.
• $260,000 mobile C-arm for an orthopedic surgery center, 12 years in practice, 758 score. GE OEC 9900. Approved in a day, funded in 48 hours. 60 months at 5.59% APR, first and last payment down.
• $134,000 IPL and resurfacing platform for a dermatology practice, 8 years in practice, 726 score. Lumenis M22 and a Candela GentleMax Pro. Funded in 72 hours. 60 months at 5.89% APR, 10% down.

These are qualified files moving fast, not miracles. Your rate depends on your file, and none of these are guaranteed.

Fast financing is not about impatience. It is about the specific moments where a day matters:

• The vendor is holding the last unit. Popular platforms like the Cutera Excel V or an iTero scanner go on backorder. If you cannot commit today, the demo unit ships to the practice across town.
• Quarter-end and year-end pricing. Distributors discount hard to hit numbers. A slow approval can push you past the deadline and cost you thousands in list price.
• A machine died and you are turning patients away. When your autoclave or your only X-ray fails, every day dark is lost revenue. Same-day funding gets you back to seeing patients.
• A conference or roadshow deal. The show-floor price is real, but it usually expires when the show ends.

In each case, the practice that can approve and fund now takes the equipment and the discount. The one waiting on a bank's two-week committee loses both. That is the entire reason we built the app-only fast track: not to be flashy, but because in equipment purchasing, timing is money, and the fastest clean approval wins.

Speed and taxes intersect hard in December. Section 179 and bonus depreciation only apply to equipment placed in service by December 31. A laser that funds on December 29 can be deducted this year; the same laser funding on January 4 pushes the write-off a full year out. When a practice calls us on December 20 wanting a five-figure deduction, the whole game is speed.

Under the 2025 tax law, Section 179 lets qualifying practices 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. In practice, a med spa buying a $92,000 laser in late December can often write off a big portion against this year's income while paying over 60 months. The revenue side matters just as much: a laser that adds even 8 to 10 treatments a week at typical aesthetic pricing usually clears its monthly payment quickly.

We are not your CPA, so confirm the exact figures with your accountant. But if the deduction depends on funding before year-end, tell us the deadline. Our fast track exists precisely for that call, and we have funded plenty of December deals with days to spare.

How fast can I actually get funded?

App-only files are often approved the same day and funded in 24 to 72 hours once documents are signed. We closed a Tampa med spa's Cutera Excel V in a single afternoon.

What do you need to start?

One page and the vendor quote. No tax returns and no financial statements on app-only requests up to $350,000. Above that ceiling we ask for full documentation.

Does speed cost me a higher rate?

No. Fast does not mean expensive. Qualified practices still start from 5.49% APR. The speed comes from asking for the right things once and matching you to a desk that can move, not from a rate premium.

Can you pay my vendor directly?

Yes. Once you sign, we fund the vendor directly, usually within one to three business days, so the equipment ships without you fronting the cash.

What is the largest fast deal you do?

We fund from $10,000 to $500,000 on the fast track, and larger deals with full documentation. Above $350,000 we typically ask for two years of returns and a P&L.