Medical Equipment Financing With a 500 Credit Score

All Credit Profiles Accepted

A score in the 500s is a structuring question, not a rejection. We funded a 520-score chiropractor on a $38,500 decompression table because the practice cash flow was real.

Collateral-First Underwriting

We lean on equipment that holds value, like Triton DTS tables and GE ultrasound, so your challenged credit is offset by an asset the lender can resell.

Cash Flow Over FICO

If the operatory is booked and the equipment pays for itself, we build the deal around production, not just a three-digit number your bank stopped reading at.

Fast Funding, Even With a Repair Story

Approvals often the same day and funding in 24 to 72 hours across 500+ lenders, from $10,000 to $250,000.

Most lenders stop reading at the score. We do not. A 520 usually has a story behind it, a divorce, a rough year, a medical bill that went to collections, and if the practice itself is producing, that story is fundable. What we look at instead of just the FICO:

• Equipment that holds value. A Triton DTS decompression table, a GE LOGIQ ultrasound, or an A-dec operatory can be repossessed and resold, so the lender's downside is covered. That lets them say yes past a low score.
• Practice cash flow. If your chairs are booked and deposits are steady, the deal is really about production, not a three-digit number.
• Down payment. Fifteen or twenty percent down turns a lot of maybes into approvals, because it lowers the amount at risk on day one.
• Time in the seat. Even six years of an imperfect payment history tells a lender you keep the doors open.

We accept all credit profiles. Challenged credit is not a rejection at Brobas; it is a structuring exercise. The question we ask is not whether we can fund you, it is how, and that is a very different conversation than the flat no you probably got from your bank.

• $38,500 spinal decompression setup for a chiropractor, 6 years in practice, 520 personal score. Triton DTS table plus a Multi Radiance laser. 48-month term at 6.99% APR, 15% down.
• $72,000 imaging package for a pain management physician, 5 years in practice, 561 score. Digital X-ray and a GE ultrasound. 60 months at 6.79% APR, 10% down.
• $19,500 sterilization replacement for a general dentist, 9 years in practice, 588 score. New compressor and a Midmark M11 autoclave after the old unit failed. 48 months at 6.59% APR, 10% down.
• $145,000 aesthetic build for a physician-owned med spa, 3 years in practice, 604 score. InMode Morpheus8 and a BTL device. 60 months at 6.49% APR, 20% down.

Every one of these files would have been a no at a single bank. Across 500-plus lenders, they were approvals. Your rate depends on your file; none of these numbers are guaranteed, and the lower scores paid for it with more down and a shorter term.

There are only a few levers, and we pull the ones that fit your situation:

• Down payment. More cash down means less lender risk, which opens more desks and lowers the rate. On a $60,000 request, moving from 10% to 20% down can be the difference between a decline and a clean approval.
• Term. A shorter term de-risks the deal for the lender. We might put a challenged file on 48 months instead of 72 to get it done.
• Collateral strength. Equipment with a strong resale market carries more of the deal, so we steer toward funding the hard asset first and softer costs second.
• A co-signer or the practice entity. Sometimes adding the PC or LLC, or a stronger personal guarantor, gets you a materially better number.

We are honest about the tradeoff. Challenged credit costs something, usually a bigger down payment, a shorter term, or a rate closer to the top of the range. What it does not cost you is the equipment. You still get the table, the laser, or the imaging you need to see patients, and as you make on-time payments, your next deal with us prices better.

Challenged credit does not change the tax math, and the tax math is often the best part of the deal. A $38,500 decompression table that lets a chiropractor bill decompression protocols in-house can add real monthly revenue that used to walk out the door as a referral. If the new production beats the payment, the equipment is paying for itself while you rebuild your credit.

On taxes: 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 even a low-score practice financing a $145,000 laser suite can often write off a big portion of it against this year's income while paying it off over 60 months. You conserve cash, take the deduction, and let the machine produce.

We are not accountants, and we will not pretend to be. Run your exact numbers with your CPA before year-end. What we do is line up the term and the in-service date so the deduction and your cash flow work together, which matters even more when every dollar of cash is tight.

Can I get equipment financing with a 500 credit score?

Often yes. We accept all credit profiles and structure around the collateral and cash flow. We recently funded a 520-score chiropractor on a $38,500 decompression table when a single bank had already declined it.

Will challenged credit cost me more?

Usually it means a larger down payment or a shorter term, not a flat no. Rates start from 5.49% APR for the strongest files and adjust upward toward the top of the range based on your profile.

What if I had a bankruptcy or a tax lien?

It depends on how recent it is and how it was resolved. Send us the details. We have desks that fund past a discharged bankruptcy when the practice cash flow is real and the equipment holds value.

How much can I borrow on this program?

From $10,000 to $250,000, depending on the equipment and your practice. Larger deals are possible with more down or additional documentation.

How fast can it fund with a low score?

Often same-day approval and funding in 24 to 72 hours once documents are signed. A challenged score slows the match slightly, not the funding once approved.