Medical Imaging Equipment Financing & Leasing
EquipCash helps established medical practices, imaging centers, hospitals, radiology groups, outpatient facilities, and qualified new imaging businesses finance or lease MRI, CT, PET/CT, ultrasound, and diagnostic radiology systems through its extensive platform of capital partners. A–C credit profiles considered, with every transaction reviewed individually.
Financing is available for commercial and business purposes only. Each customer must be approved for the particular program they are interested in. All transactions are subject to credit approval, equipment eligibility, documentation, and capital partner requirements.
Medical Imaging Equipment Financing for Practices, Imaging Centers & Hospitals
Medical imaging equipment financing from EquipCash serves established medical practices adding diagnostic services, imaging centers expanding capacity, hospitals and radiology groups refreshing aging systems, and qualified new imaging businesses. An established medical group opening a new imaging location is not automatically underwritten the same way as a newly formed business — the legal borrower, the ownership structure, the guarantees offered, and the supporting financials determine which review applies.
Established Medical Practices
Add in-house MRI or CT capability instead of referring studies out, replace aging diagnostic systems, or broaden the services your practice can bill for — while preserving working capital for staffing, build-out, and licensure.
Get pre-approved →
Imaging Centers & Radiology Groups
Acquire an additional modality, upgrade detectors, coils, and software, refresh an aging fleet, or equip a satellite location under a structure built around the existing operation and its financial record.
Get pre-approved →
Hospitals & Qualified New Facilities
Hospitals and outpatient facilities financing high-value systems, plus experienced operators launching a new imaging business where guarantees, reserves, industry experience, and supporting documentation are in place.
Startup financing criteria →MRI, CT, PET/CT & Diagnostic Imaging Equipment
EquipCash arranges financing and leasing across the primary diagnostic imaging modalities, including system upgrades, coil and detector packages, software, delivery, rigging, and approved installation costs where a capital partner allows them inside the transaction.
🧲 MRI Systems
MRI machine financing for high-field, wide-bore, open, and specialty magnetic resonance systems, including eligible pre-owned and refurbished units, coil packages, and software upgrades. Estimate an MRI payment →
🩻 CT Scanners
CT scanner financing for multi-slice and cardiac computed tomography systems serving hospitals, radiology groups, and outpatient imaging facilities, including detector and system upgrades.
☢️ PET/CT & Nuclear Imaging
High-value positron emission tomography and nuclear medicine systems, reviewed individually based on the equipment, the vendor, installation requirements, and the strength of the overall transaction.
🔊 Ultrasound Systems
Diagnostic, cardiovascular, OB/GYN, 3D/4D, and point-of-care ultrasound equipment financing for specialty practices, imaging centers, and multi-site medical groups.
⚡ X-Ray, DR & Fluoroscopy
Digital radiography suites, fluoroscopy rooms, mobile X-ray units, and C-arm surgical imaging — core radiology equipment financing for practices and outpatient facilities.
🎗️ Mammography & Other Modalities
3D mammography and tomosynthesis, DEXA bone densitometry, PACS, and other eligible radiology and diagnostic systems, each reviewed on its own merits.
Used and Refurbished Medical Imaging Equipment Financing
A large share of the imaging market moves on pre-owned inventory, and EquipCash works with capital partners that will consider used, pre-owned, certified refurbished, and remanufactured medical imaging equipment — including refurbished MRI, CT, PET/CT, ultrasound, and radiography systems — on eligible transactions.
Used and refurbished imaging equipment is underwritten more closely than a new system from an authorized dealer. Whether a particular unit can be financed depends on factors such as:
- Equipment age and model generation, including whether the manufacturer still supports it
- Condition and serviceability, including service history and whether a service contract can be put in place
- Remaining useful life relative to the requested term
- Current value and how the system is expected to hold value in the secondary market
- Vendor eligibility — OEM, authorized dealer, recognized refurbisher, or private party
- Installation, de-installation, rigging, and site requirements, which can be significant on magnet and PET/CT moves
- Inspection or appraisal where a capital partner requires one
Not every used or refurbished imaging system will qualify. Eligibility, amounts, and terms for pre-owned equipment are determined individually and remain subject to equipment age, condition, value, serviceability, vendor eligibility, documentation, and capital partner approval.
Submit a Pre-Owned Imaging Request →Medical Imaging Equipment Leasing vs. Financing: Which Structure Fits?
Both leasing and financing let a practice put a high-value imaging system into service without a large upfront cash outlay. The right structure depends on how long you expect to keep the system, how quickly that modality's technology turns over, and how your advisor treats the transaction.
| Factor | 🔄 True Lease (FMV) (Technology Hedge) |
🏦 $1 Buyout Lease / Loan (Equity Builder) |
|---|---|---|
| Ownership | Return, renew, upgrade, or purchase at fair market value at term end | Own the system outright once the obligation is satisfied |
| Monthly payment | Typically lower — payment may reflect an assumed end-of-term residual | Typically higher — payment recovers close to full equipment cost |
| Best suited to | Fast-moving modalities — advanced MRI, CT, PET/CT where technology turns over | Long-service systems — radiography, fluoroscopy, established ultrasound fleets |
| Technology hedge | Higher — end-of-term options can support an upgrade cycle | Lower — you own it, so resale or trade-in is on you |
| Tax treatment | Depends on lease structure and applicable accounting and tax rules | May qualify for Section 179 or depreciation, subject to IRS rules |
| Pre-owned equipment | May be available; residual assumptions depend on age and condition | Often the more straightforward path on older or refurbished systems |
| Down payment | May be available with approved credit and qualifying terms | May vary based on credit, equipment, and capital partner requirements |
| App-only option | Up to $500K — no financials required | Up to $500K — no financials required |
* Results vary by credit profile, capital partner, and equipment type. End-of-term purchase pricing is not guaranteed in advance unless expressly stated in the executed lease. Consult a tax advisor regarding deductibility.
Compare estimated payments with the MRI Financing Calculator or the Medical Equipment Financing Calculator, which shows both $1 Buyout and True Lease (FMV) estimates. Calculator results are estimates for planning only — not an offer, a quote, or an approval. For broader healthcare equipment needs, see Medical Equipment Leasing & Financing.
Financing High-Value MRI, CT & PET/CT Purchases
High-field MRI units, multi-slice CT systems, and PET/CT suites are frequently six- and seven-figure commitments once the system, siting, shielding, rigging, and installation are counted. Transactions at that level are usually reviewed through full financial underwriting rather than a short application-only credit decision — meaning a capital partner looks at the operating business behind the request, not just a credit score. Application-only programs may still be available on eligible smaller transactions.
What full underwriting actually looks at
Revenue and margin trends, existing debt service, ownership strength, the expansion plan behind the purchase, and the equipment itself — its configuration, condition, and how it is expected to hold value.
Imaging acquisitions also sit inside a clinical and regulatory context. The American College of Radiology publishes accreditation and practice guidance many facilities plan around when adding a modality, and that plan is worth bringing into the financing conversation early.
Equipment purchases may also qualify for federal tax deductions or depreciation depending on the equipment, business use, and structure. Review the IRS Section 179 rules → and confirm your position with a qualified tax advisor.
Documentation Commonly Requested
For larger imaging transactions, capital partners generally ask for some combination of:
- Two to three years of business financial statements (P&L and balance sheet)
- Two to three years of business tax returns
- Interim or year-to-date financial statements
- Recent business bank statements
- Personal financial statements for principals, where required
- Vendor quote, equipment specifications, and installation estimate
- A short overview of the expansion or project, where a new location is involved
Exact requirements vary by capital partner, transaction size, and credit profile.
Medical Imaging Equipment Sale-Leaseback — Access Capital From Equipment You Own
Medical practices, imaging centers, hospitals, and radiology groups often carry significant value in diagnostic systems they already own outright. A medical imaging equipment sale-leaseback may allow an eligible business to access capital tied up in that equipment while continuing to use the system in day-to-day operations — on eligible owned MRI scanners, CT systems, PET/CT equipment, ultrasound systems, and other qualifying diagnostic imaging technology.
- ✅ Access working capital for approved business purposes, without necessarily interrupting imaging services
- ✅ Support expansion — an additional location, a new modality, or another eligible investment
- ✅ Preserve cash reserves rather than drawing solely on cash on hand or an existing line of credit
- ✅ Add financial flexibility alongside existing banking relationships
What capital partners evaluate
Review generally covers equipment age, condition, current fair market value, clear ownership and title, any existing liens, remaining useful life, the financial strength of the business, and the documentation supporting the transaction. Eligibility, proceeds, permitted use of funds, and lease terms are determined individually. Advance amounts are not set at a fixed percentage, and sale-leaseback approval is not guaranteed.
Explore Equipment Sale-Leaseback Options →* Subject to credit approval, equipment eligibility, valuation, title and lien review, documentation, and capital partner requirements.
What Capital Partners Review on an Imaging Transaction
EquipCash works across A, B, and C credit profiles, which means a wider range of medical businesses can be matched to a capital partner than a single bank program would allow. It does not mean every request is approved — each file is reviewed on its own facts.
Credit Profile & Ownership
Business credit history together with the personal credit of principals where a guarantee is required. Programs exist across A through C profiles, with structure and pricing reflecting the risk.
Time in Business
Practices with two or more years of operating history typically see the most straightforward path. Qualified new facilities with experienced ownership are reviewed under separate, more documentation-intensive programs.
Cash Flow & Existing Debt
Bank statements and financial statements are reviewed for consistent revenue and sufficient coverage to service the new equipment obligation alongside existing debt.
Equipment & Valuation
Modality, age, condition, configuration, and secondary-market liquidity all influence what structures, terms, and amounts a capital partner will consider.
Vendor & Service Support
Transactions involving OEMs, authorized dealers, or recognized refurbishers — with service coverage in place — are generally more straightforward to verify and document.
Experience & Documentation
Clinical and management experience, active licensure, and complete financial and equipment documentation all support the review. New entities may require guarantees, reserves, and additional support.
How Medical Imaging Equipment Financing Works
A straightforward path from equipment selection to funding, without unnecessary back-and-forth.
Discuss the Equipment
Share the modality, the purchase amount, the vendor, whether the system is new or pre-owned, and your anticipated delivery and installation schedule.
Review Potential Programs
EquipCash assesses the transaction against the programs available on its platform of capital partners to identify which are a potential fit.
Submit the Application
Complete the financing application and provide the financial, business, and equipment documentation requested for the transaction.
Approval, Documents & Funding
On approval, final terms and documents are issued. Funding follows document execution and equipment acceptance, subject to capital partner conditions.
Sell Medical Imaging Equipment? Offer Financing to Your Buyers
If you manufacture, distribute, refurbish, or resell MRI, CT, PET/CT, ultrasound, or radiography systems, EquipCash runs a separate vendor program that lets qualified dealers present financing to their commercial buyers at the point of sale.
Help your customers work around capital budget constraints, and keep equipment sales moving.
Explore the Medical Imaging Equipment Dealer Financing Program →Medical Imaging Equipment Financing — Frequently Asked Questions
Answers to common questions about financing MRI, CT, PET/CT, and diagnostic imaging equipment — including used and refurbished systems, startups, documentation, and sale-leasebacks. Contact us or schedule a call to talk through a specific transaction.
Ready to Finance Medical Imaging Equipment?
Whether you are expanding an established practice, upgrading an imaging center, financing a refurbished system, opening an additional diagnostic location, or exploring a sale-leaseback on equipment you already own, EquipCash can review your request against its platform of capital partners. Financing starts at $15,000, and available amounts, terms, documentation, and approval timing depend on the transaction.
Ready to get started? Apply now or contact our team — we respond quickly and speak plainly.
Corporate-only financing without a personal guarantee may be available to qualifying established businesses with strong corporate credit, operating history, revenue, and comparable borrowing experience. Other applicants can use the standard financing application. All requests are reviewed individually; no-PG approval is not guaranteed.
EquipCash is an independent commercial equipment financing company offering flexible equipment financing and leasing solutions to businesses across a broad range of industries and credit profiles. Financing is available exclusively for commercial and business purposes, not personal, family, or household use.
Each financing request is evaluated individually, with programs available for businesses with varying credit qualifications. Approvals, rates, terms, financing amounts, and structures depend on the overall transaction, including creditworthiness, equipment, and supporting documentation. Financing is subject to approval, and specific terms or funding timelines are not guaranteed.
Information provided on this website is for general informational purposes and does not constitute a financing commitment or tax, legal, or accounting advice. Businesses should consult their professional advisors regarding their individual circumstances.