Certified Pre-Owned Medical Equipment, Financed Like New

A Fraction of New, Same Clinical Work

Reconditioned imaging, lasers, and dental gear often cost a third to half of new while billing the same studies and procedures.

Financed Exactly Like New

Same term options, same competitive rates, no penalty for buying certified pre-owned. We route your file to lenders who value medical remarketing.

Section 179 Still Applies

Used equipment qualifies for the first-year deduction as long as it is new to your practice. Confirm the details with your CPA.

All Credit Profiles Welcome

From 5.49 percent APR for qualified buyers, with real approvals for challenged credit and even first-year practices. Rates are never guaranteed until underwriting.

Medical equipment depreciates fast on paper but keeps working for years. A GE or Siemens imaging system engineered for a 10-plus year service life often comes off its first placement at three to five years old, gets fully reconditioned by the OEM or a specialist remarketer, and sells for a fraction of new. That gap is your opportunity. A refurbished 1.5T MRI can cost a third to half of a new unit while delivering clinically equivalent images for the studies most centers actually bill. The same is true across lasers, C-arms, dental chairs, and surgical towers. We funded a refurbished GE Signa MRI for an Atlanta imaging center at a small fraction of OEM pricing, and the machine started generating scan revenue the week it went live. The key is that we finance certified pre-owned exactly like new equipment: same term options, same competitive rates, no penalty for buying smart. Some lenders shy away from used gear or add points to the rate. We do not, because we route your file to the funders who understand medical remarketing and value the equipment properly. Buying reconditioned is not a compromise on quality when the unit is inspected and warrantied. It is a way to put clinical capability in your suite for far less capital.

Real structures we closed recently, names withheld. Rates are never guaranteed until underwriting.

• $330,000 refurbished MRI (GE Signa HDxt 1.5T, OEM-reconditioned). Atlanta imaging center, 10 years in practice, 733 credit. Result: 6.24% APR, 66 months, 10 percent down.
• $118,000 refurbished CT (Siemens Somatom Emotion 16-slice). Orthopedic clinic, 8 years, 705 credit. Result: 6.49% APR, 60 months, zero down.
• $34,000 certified pre-owned laser (Candela GentleMax Pro). Med spa, 4 years, 690 credit. Result: 6.79% APR, 48 months, 10 percent down.
• $22,000 refurbished dental package (three A-dec 500 operatories plus a Midmark M11 sterilizer). Dental startup, first year open, 681 credit. Result: 6.89% APR, 48 months, 10 percent down.

Used gear tends to price a touch higher than new because the collateral value is harder to standardize, but the total dollars are far lower, so the payment usually still wins. The Atlanta MRI is the clearest example: a new 1.5T unit could have run well past $900,000, and the reconditioned Signa did the same clinical work for a third of that. Challenged credit is welcome, and we funded the startup dental office in its first year, which many banks will not touch.

Refurbished equipment qualifies for Section 179 as long as it is new to your practice, which is a point many buyers do not realize. You do not have to buy new to take the first-year deduction. Finance a $118,000 reconditioned Siemens CT, place it in service before year-end, and you can generally expense the full amount under Section 179 up to the annual cap, then let the tax savings offset your payments. Confirm the specifics with your CPA, since bonus depreciation and Section 179 interact with your income and entity type. On total cost of ownership, used imaging does carry a real service-contract line, often $15,000 to $40,000 a year on a CT or MRI depending on age and coverage. We roll that into the deal when it makes sense so it is one predictable payment. Run the full picture: acquisition near a third of new, plus service, financed at a competitive rate, against the scan or procedure revenue the equipment produces. In most cases the reconditioned unit generates the same billable studies as new hardware, so your revenue per scan is identical while your capital outlay and monthly payment are dramatically lower. That is the argument for pre-owned in one sentence: same billing, lower basis, faster payback.

Not every used machine is worth financing, and a good broker protects you from a bad buy. Before we fund, we want to know the source. OEM-certified reconditioning from GE, Siemens, or Philips, or a reputable specialist remarketer such as Block Imaging or Soma Tech, carries far more weight than an anonymous online listing. We look for a documented refurbishment: replaced wear parts, calibration, safety testing, and a written warranty, typically 90 days to a year, sometimes with an extended service option. We check that the software and licenses transfer, because an imaging system with an expired or non-transferable license is a headache you do not want. We confirm de-installation and re-installation are handled by qualified engineers, especially on MRI and CT where siting and cryogen handling matter. On the financing side, this diligence helps you too: clean documentation on a well-sourced unit gets you a better rate because the lender is comfortable with the collateral. If a deal looks too cheap, it usually is, and we will tell you. Our job is not just to fund the purchase, it is to make sure the equipment you finance actually runs and holds value. Buy from the right source and certified pre-owned is one of the smartest moves in medicine.

Is used equipment harder to finance than new?

Not with us. We finance certified pre-owned on the same terms as new gear because we route your file to lenders who understand medical remarketing and value the collateral properly. Some banks add points for used equipment. We work around that.

What is the difference between used and refurbished?

Used equipment is sold as-is from a prior owner. Refurbished or certified pre-owned has been reconditioned, replaced wear parts, recalibrated, safety tested, and warrantied, usually by the OEM or a specialist remarketer. We prefer to finance documented refurbishment.

Does refurbished equipment qualify for Section 179?

Yes. As long as the equipment is new to your practice, it qualifies for the first-year deduction. Buying reconditioned does not cost you the tax benefit. Confirm the specifics with your CPA.

Can you finance a private-party or auction purchase?

Often yes, with the right documentation. We want a clear invoice, proof of the equipment's condition and source, and details on de-installation and re-installation for imaging systems. A well-documented deal from a reputable source gets a better rate.

What warranty should I expect on refurbished equipment?

It varies by source, but a reputable remarketer typically provides 90 days to a year of coverage with an option to extend. We can roll a service contract into the financing so it is one predictable payment.