Finance 100% of Your Medical Equipment. Keep Your Cash.

True 100 Percent Financing

Nothing down, and the soft costs come with it. Freight, rigging, installation, calibration, warranty, and training all roll into one amount financed.

Your Working Capital Stays Put

Keep your cash and your line of credit for payroll, marketing, and the unexpected. The equipment funds itself while your reserves stay intact.

500-Plus Lenders, One Application

We shop your file across banks and specialty medical funders instead of taking the first quote, which is how we find the best structure and rate.

Approvals Across the Credit Spectrum

From 5.49 percent APR for qualified practices, and real approvals for challenged credit. Rates are never guaranteed until underwriting, but a lower score is not a dead end.

Zero down does not mean a lender is doing you a favor and eating risk. It means we structure the deal so the full invoice, including the soft costs, gets financed, and your first payment lands 30 to 60 days after the equipment is installed and running. On an application-only basis we can approve most requests up to $250,000 with a one-page application and a soft credit pull that does not ding your score. Above that, we collect two to three months of business bank statements and, for larger imaging or surgical projects, a recent tax return. What gets rolled in matters. A GE Vivid E95 has a sticker price, but the number that actually hits your budget includes freight, rigging into a second-floor suite, probe packages, a service contract, and staff training. We finance all of it as one amount. Because we run your file across 500-plus banks and specialty medical funders, we are comparing structures, not begging one lender. That is how a practice with a 690 score still gets a workable rate instead of a decline, and how a well-qualified group lands in the mid-fives with nothing down.

Every file is different, and rates are never guaranteed until underwriting sees your numbers. These are real structures we closed recently, names withheld:

• $310,000 echo and stress package (GE Vivid E95 plus Quinton Q-Stress). Dallas cardiology group, 14 years in practice, 742 personal credit. Result: 5.74% APR, 60 months, zero down. First payment 45 days out.
• $142,000 CAD/CAM suite (Dentsply Sirona CEREC Primescan and MCXL milling unit). General dentistry, 9 years, 688 credit. Result: 6.49% APR, 60 months, zero down.
• $88,000 vascular laser (Cutera Excel V+). Dermatology practice, 6 years, 701 credit. Result: 6.19% APR, 48 months, zero down.
• $415,000 refurbished CT (Siemens Somatom Emotion 16-slice). Urgent care operator, 11 years, 726 credit. Result: 5.99% APR, 66 months, zero down.

Notice the spread. The strongest file earned a rate in the mid-fives; the practice in the high-680s still funded with nothing down, just at a slightly higher rate and shorter term. That is the point of shopping 500 lenders instead of one. We do not need perfect credit to get a yes, and we do not make you liquidate a CD or tap your line of credit to put money down.

Financing at zero down is not just convenient, it usually beats paying cash once you run the numbers. Say that Vivid E95 supports three echo studies a day. At a conservative blended reimbursement, that equipment generates revenue from week one, while your monthly payment on a $310,000 package near 5.74 percent over 60 months runs roughly $5,950. If the machine bills well above that each month, the equipment pays for itself and funds your staffing at the same time. Then there is the tax side. Under current law, Section 179 lets a practice expense up to $2,500,000 of qualifying equipment placed in service in 2025, and 100 percent bonus depreciation was restored for equipment placed in service after January 19, 2025. Here is the part doctors miss: you can finance the equipment, make only a couple of payments this year, and still deduct the entire purchase price, not just what you paid. On a $310,000 system that can mean a six-figure first-year deduction while your cash sits untouched. We are brokers, not your CPA, so confirm the exact figures with your accountant. But the pattern is consistent: keep the cash, generate revenue immediately, and let the deduction offset a chunk of the cost.

We finance across every specialty, and the equipment mix tells you what is busy. Cardiology groups come to us for echo and stress systems (GE Vivid and Philips EPIQ CVx) and nuclear cameras. Dermatology and med spas finance lasers and platforms constantly: Cynosure PicoSure and Elite iQ, Candela GentleMax Pro, Cutera Excel V+, Sciton Joule, and body-contouring systems like CoolSculpting Elite and Emsculpt NEO. Dental practices fund A-dec and Midmark operatories, Dentsply Sirona and Planmeca CAD/CAM, iTero scanners, and Carestream cone beam CT. Ophthalmology finances Alcon Centurion phaco platforms and Zeiss diagnostic and surgical optics. Imaging centers and urgent care fund CT, MRI, and digital radiography, new or certified refurbished. Orthopedics, pain management, physical therapy, and surgical practices round out the desk with C-arms, tables, and sterilization. If it has a serial number and it runs your practice, we can structure it at zero down. And because we are independent, we are not steering you toward one bank's paper. We put your file in front of the lenders most comfortable with your specialty, your ticket size, and your credit profile, then bring you the best structure.

Does zero down really mean nothing out of pocket?

Yes. On a true 100 percent structure you put no money down, and your first payment typically lands 30 to 60 days after the equipment is installed and running. The soft costs are financed too, so you are not writing a check for freight or installation either.

What can be rolled into the amount financed?

The equipment plus the costs that come with it: freight and rigging, installation and calibration, probe or handpiece packages, extended warranties, service contracts, and staff training. We finance the real invoice, not just the sticker price.

What credit score do I need?

Strong files earn rates from 5.49 percent APR, but we fund across the credit spectrum. We have closed zero-down deals for practices in the high 600s. A lower score usually means a slightly higher rate or shorter term, not a decline. Rates are never guaranteed until underwriting reviews your file.

How fast can we fund?

Application-only approvals up to $250,000 often come back the same day with a soft credit pull that does not affect your score. Larger imaging and surgical projects need bank statements and sometimes a tax return, and typically decision in a few business days.

What equipment qualifies for 100 percent financing?

Essentially anything with a serial number that runs your practice: echo and stress systems, aesthetic lasers, dental CAD/CAM and cone beam CT, phaco platforms, C-arms, CT and MRI, sterilization, and more, new or certified refurbished.