Medical Equipment Financing for Healthcare Practices
EquipCash helps healthcare practices, specialty clinics, ambulatory surgery centers, and medical groups finance new and pre-owned equipment. Qualified businesses may access up to 100% of eligible equipment purchase costs through available True Lease programs, with no traditional down payment. Other leasing and financing structures are also available, subject to approval.
* Credit decisions can often be completed within 24 hours with complete documentation and approved credit. Financing terms, amounts, and timing vary by applicant, equipment, and lender.
Medical Equipment Financing for Healthcare Practices and Medical Specialties
Medical equipment leasing and financing from EquipCash serves private practices, specialty clinics, ambulatory surgery centers, and full hospital systems. Whether you are a solo physician opening a new practice or a multi-location medical group expanding imaging capacity, our programs are built around your specialty, credit profile, and timeline.
Radiology & Imaging Centers
Medical equipment financing and leasing for diagnostic and imaging equipment, including MRI, CT, PET, X-ray, and ultrasound systems. New and pre-owned equipment may be considered.
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Surgical Centers & Hospitals
Surgical equipment financing and leasing for hospitals, ambulatory surgical centers (ASCs), and specialty practices, including surgical robotics, laparoscopic systems, anesthesia machines, operating-room equipment, and related technology.
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Ophthalmology & Eye Care
Medical equipment financing and leasing for LASIK systems, OCT scanners, slit lamps, phacoemulsification equipment, and other ophthalmology technology.
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Dental & Oral Surgery
Medical equipment financing and leasing for dental chairs, CBCT scanners, CAD/CAM systems, intraoral cameras, X-ray equipment, and oral-surgery technology.
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Oncology & Radiation Therapy
Medical equipment financing and leasing for linear accelerators, brachytherapy systems, oncology imaging, and other radiation-therapy equipment. Used and older equipment may be considered based on condition, value, and lender requirements.
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Veterinary & Lab Sciences
Medical equipment financing and leasing for veterinary surgical suites, digital radiography, laboratory analyzers, centrifuges, and diagnostic systems.
Get pre-approved →Up to 100% Medical Equipment Financing with True Lease Options
EquipCash helps qualified healthcare businesses finance up to 100% of eligible medical equipment purchase costs through available True Lease programs. A traditional percentage down payment may not be required; an initial lease payment or deposit can still apply. This can help medical practices preserve working capital while acquiring essential equipment.
- Up to 100% of eligible equipment purchase costs for qualified applicants
- No traditional down payment on qualifying True Lease transactions; an initial lease payment or deposit may be required
- Potential reimbursement of equipment reservation deposits previously paid to vendors, when supported by the vendor and lessor's funding arrangements
- Vendor progress payments may be available, subject to lessor approval
- Potential end-of-lease purchase, renewal, or return options, as specified in final lease documents
All programs are subject to credit approval, equipment eligibility, lessor requirements, and final documentation. End-of-lease purchase pricing is not guaranteed in advance unless expressly stated in the executed lease.
Apply for Medical Equipment Financing →Medical Office Equipment Financing
EquipCash helps established medical practices, physician groups, and qualifying startups finance medical office equipment, including examination equipment, diagnostic systems, treatment technology, and other eligible purchases for new offices, practice expansions, and equipment upgrades.
From single-physician medical offices to multi-specialty groups and ambulatory surgical centers (ASCs), EquipCash arranges financing and leasing for the equipment that keeps a practice running — including surgical and operating-room systems, diagnostic and imaging equipment, and in-office treatment technology. New and pre-owned equipment may be considered, subject to credit approval and lender requirements.
- Exam & procedure rooms — examination tables, vital-signs monitors, sterilization and procedure equipment
- Surgical & ASC equipment — operating-room systems, surgical lights and tables, anesthesia and endoscopy equipment
- Diagnostic & imaging — in-office ultrasound, X-ray, and other diagnostic and imaging systems
- Treatment & specialty technology — laser, therapy, and specialty systems specific to your practice
Opening a New Medical Practice?
Starting a new medical practice often requires a substantial investment in diagnostic, surgical, laboratory, and other essential equipment.
EquipCash offers Medical Startup Equipment Financing solutions for qualifying healthcare professionals and new medical practices. Strong personal credit, solid financial backing, and eligible equipment can help support financing opportunities, including potentially financing most or all of an eligible equipment purchase.
Explore Medical Startup Financing →Medical Equipment Leasing vs. Financing: Which Structure Fits Your Practice?
Both medical equipment leasing and financing allow your practice to acquire high-value systems without a large upfront cash outlay. The right structure depends on your tax strategy, ownership goals, and how rapidly the technology you need evolves.
| Factor | 🔄 Medical Equipment Leasing (Technology Hedge) |
🏦 Medical Equipment Financing (Equity Builder) |
|---|---|---|
| Ownership | Return, upgrade, or buy at end of term | Own outright once loan is repaid |
| Monthly payments | Typically lower — operating expense | Slightly higher — principal + interest |
| Tax treatment | Depends on lease structure and applicable accounting/tax rules | May qualify for Section 179 or depreciation, subject to IRS rules |
| Balance sheet | Off-balance sheet — improves debt-to-equity | Asset listed with corresponding liability |
| Technology hedge | High — upgrade at term end as technology advances | Lower — own it, must resell or trade in |
| Best for | Imaging, robotics, diagnostic tech (fast-evolving) | Dental chairs, surgical tables (long-stable use) |
| Down payment | May be available with approved credit and qualifying terms | May vary based on credit, equipment, and lender requirements |
| App-only option | Up to $500K — no financials required | Up to $500K — no financials required |
* Results vary by credit profile, lender, and equipment type. Consult a tax advisor regarding deductibility.
Why Practices Choose Medical Equipment Financing
Medical equipment financing can be structured around the practical needs of healthcare businesses, including equipment cost, useful life, technology changes, cash-flow requirements, ownership goals, and lender criteria.
💵 Preserve Practice Cash Flow
Acquire high-cost diagnostic and surgical systems without depleting operating reserves. Keep cash available for payroll, supplies, and unexpected operational needs.
🔄 Technology Hedge — Upgrade at Term End
Certain fair-market-value lease structures may provide end-of-term options that can help practices manage equipment with shorter technology cycles. Terms and end-of-term options depend on the lease structure and lender.
📊 Improve Your Practice Balance Sheet
Accounting treatment depends on the lease structure and the applicable accounting rules. Your CPA or accounting professional can determine how a proposed lease should be reported for your practice.
🚀 Startup Practices Welcome
Startup practices may be eligible for medical equipment financing depending on credit, equipment, ownership structure, and lender requirements. Some programs may offer streamlined applications for qualifying transactions, while larger or more complex requests may require financial documentation.
🏥 New and Pre-Owned Equipment
Both new and pre-owned medical equipment may be considered. Equipment age, condition, manufacturer, resale value, and transaction structure can affect eligibility and terms.
⚡ 24-Hour Approvals Available
Many complete applications can receive a credit decision quickly, sometimes within 24 hours with approved credit. Funding timing depends on documentation, lender requirements, equipment, and closing conditions.*
2026 Section 179 and Medical Equipment Financing
Medical equipment purchases may qualify for federal tax deductions or depreciation depending on the equipment, business use, financing structure, and current tax rules. For 2026, the IRS lists a $2,560,000 Section 179 maximum deduction, subject to applicable limits and eligibility requirements. Confirm your specific tax treatment with a qualified tax advisor.
- ✅ $2,560,000 Section 179 maximum deduction for 2026, subject to IRS rules
- ✅ 100% additional first-year depreciation may apply to qualifying property under current 2026 rules
- ✅ Financed equipment qualifies — no need to pay cash for the deduction
- ✅ New and pre-owned medical equipment both eligible
* Consult your tax advisor regarding eligibility and benefits specific to your practice structure and tax position.
Medical Equipment Financing — Frequently Asked Questions
Answers to common questions about medical equipment financing, leasing, equipment eligibility, startups, credit, and funding. Contact us or schedule a call for a personal consultation.
Ready to Explore Medical Equipment Financing?
EquipCash helps healthcare businesses explore medical equipment financing and leasing options for new and pre-owned equipment. Financing starts at $15,000, and available amounts, terms, documentation, and approval timing depend on the transaction and lender. Start with a secure application and we will review the request based on your equipment and business profile.
Ready to get started? Apply now or contact our team — we respond quickly and speak plainly.
* Credit decisions can often be completed quickly with complete documentation and approved credit. Subject to credit approval, time in business, equipment type, lender conditions, and closing requirements. Results vary. EquipCash is not a direct lender — we connect practices with medical equipment financing solutions through our network of lenders. Tax information is general — consult a qualified tax advisor. Headquartered at 23535 Palomino Dr. #383, Diamond Bar, CA 91765.