Texas Medical Equipment Financing, Houston to the Panhandle

Every Texas metro, every specialty

Houston, Dallas, Austin, San Antonio, and the cities in between: dental, cardiology, dermatology, pain, ortho, and surgery centers all funded.

$25K to $1M, imaging to surgical

From a single aesthetic laser to a full ASC buildout, financed new or refurbished, with install, software, and warranty rolled in.

All credit profiles considered

500-plus lenders means strong and challenged credit both get real terms. Established, high-credit practices reach rates from 5.49% APR.

Fast funding, three to seven days

We assemble one approval across your Texas vendors and close most deals within a week of a signed invoice and a completed application.

Texas practices buy across the whole medical spectrum, and we fund it. Dental and oral surgery: a Carestream CS 9600 or Planmeca ProMax 3D CBCT at $90,000 to $175,000, A-dec 500 operatory chairs, a CEREC or iTero digital workflow. Cardiology and imaging: a GE Vivid E95 or Philips EPIQ CVx echo system at $80,000 to $200,000, GE Logiq and SonoSite ultrasound, and DR x-ray suites. Aesthetics and dermatology, which is a big Texas market: Candela GentleMax Pro, Cutera, Sciton Joule, and BTL EmSculpt platforms at $40,000 to $150,000. Lab: Beckman Coulter and Abbott analyzers for in-house diagnostics. Surgical and ASC: Stryker and Skytron tables, Steris and Midmark M11 sterilizers, GE and Draeger anesthesia machines, and C-arms. Deals run from a $25,000 single-laser purchase to a $1 million ASC buildout. We finance new and refurbished, roll in installation, software, and warranty, and we handle the multi-vendor buildouts that a bank would rather not touch. Bring the quotes from your Texas vendors and we assemble one approval instead of five.

Recent Texas deals, structured as they closed:

• $46,000, Candela GentleMax Pro laser, Austin dermatology and aesthetics practice 4 years in, 699 credit score, approved at 6.29% APR over 60 months, 10% down.
• $92,000, GE Vivid E95 echocardiography system, Houston cardiology group 12 years in, 771 credit, 5.54% APR over 60 months, $0 down.
• $148,000, Carestream CS 9600 CBCT with panoramic, Dallas dental group 9 years in practice, 758 credit, 5.69% APR over 66 months, 10% down.
• $310,000, orthopedic ASC bundle (C-arm, Skytron table, and Midmark M11 sterilizers), San Antonio surgery center 16 years in, 776 credit, 5.49% APR over 72 months, 20% down.

The Gulf Coast cardiology deal and the Metroplex dental deal both funded at the strong end of the range on 12-plus years in practice and high-700s credit. The Austin aesthetics practice, newer and in the high-600s, still funded with a down payment at 6.29%. Larger ASC tickets stretch to 72 months to keep the payment sensible. Each closed within a week of a signed invoice and a completed application.

The return depends on the specialty, and Texas has some of the best cash-pay and high-utilization markets in the country. An Austin aesthetics laser at $46,000 financed near $880 a month bills at $300 to $800 per treatment; a booked laser calendar clears that note in a few days of the month. A Houston echo system captures imaging that a cardiology practice would otherwise refer out, and a Dallas CBCT lets a dental group keep implant planning and airway scans in-house at $150 to $400 per scan. On taxes, Section 179 lets a Texas practice deduct the full price of qualifying equipment the year it is placed in service, up to $2.5 million for 2026, and 100% bonus depreciation applies to equipment put in service after January 19, 2025. On a $148,000 CBCT, a group in the 35% bracket could see roughly $50,000 in first-year federal tax savings, and Texas has no state income tax to complicate the personal side. Financing rather than paying cash preserves the full deduction while keeping working capital for staffing and marketing across a competitive metro. Confirm the exact numbers with your CPA, since entity type and income change the result.

We fund practices in every major Texas market and the smaller cities in between. In the Dallas-Fort Worth Metroplex we see a lot of dental, ortho, and imaging expansion, and multi-operatory dental buildouts with CBCT are common. Houston and the Gulf Coast bring cardiology, oncology support, and larger imaging centers, along with the surgical and ASC deals that come with the Texas Medical Center gravity. Austin skews toward dermatology, aesthetics, and cash-pay med spas, where a single laser platform can carry a practice, and toward younger practices where we weigh personal credit and the plan alongside the numbers. San Antonio and South Texas run the full range, ortho, pain, primary care, and surgery centers, and we have closed C-arm and table bundles there. Whether you are in El Paso, Lubbock, or the Rio Grande Valley, the process is the same: send the vendor quote, tell us the specialty and where the practice stands, and we match it to a lender that prices Texas medical deals well. All credit profiles are considered, we finance new and refurbished, and we handle the multi-vendor buildouts that a local bank usually declines. Real terms come back in a day or two, not a maybe.

Which Texas cities do you finance in?

All of them. We fund practices in Houston, Dallas-Fort Worth, Austin, San Antonio, El Paso, Lubbock, Corpus Christi, and the smaller cities and the Rio Grande Valley in between. The process is the same statewide: send the vendor quote and the specialty, and we match it to a lender that prices Texas medical deals well.

What types of Texas practices do you fund?

Dental and oral surgery, cardiology, dermatology and aesthetics, pain management, orthopedics, primary care, imaging centers, and ambulatory surgery centers. If it is medical equipment for a Texas practice, from a $25,000 laser to a $1 million ASC fit-out, we can structure it.

What credit score do I need?

There is no hard floor. All credit profiles are considered across our 500-plus lenders. Strong credit reaches rates from 5.49% APR; challenged credit still funds, usually nearer 6.99% and sometimes with a down payment. We shop your file rather than sending one application to one bank.

Can you finance a multi-vendor ASC buildout in Texas?

Yes. Surgery-center and imaging-center buildouts often involve four or five vendors, tables, sterilizers, anesthesia, a C-arm, and imaging. We pull them into a single approval so you can open on schedule instead of chasing separate loans, and we stretch larger tickets to 66 or 72 months to keep the payment sensible.

How does Section 179 work with no Texas state income tax?

Section 179 is a federal deduction, so it applies to Texas practices the same as anywhere: you can deduct the full cost of qualifying equipment the year it is placed in service, up to $2.5 million for 2026, with 100% bonus depreciation available after January 19, 2025. Texas has no personal state income tax, which keeps the personal side clean. Confirm the details, including franchise tax treatment, with your CPA.