Medical Equipment Financing & Leasing
For Private Practices · Medical Centers · Hospitals
Finance or lease any medical, dental, veterinary, or specialty equipment — new or used — with fast approvals, 100% financing available, and no maximum loan amount.
* 24-hour approval & funding with approved credit. Results depend on credit profile, time in business, and lender conditions.
Financing built for every medical specialty
Whether you're opening your first practice or expanding a hospital system, EquipCash has a financing solution designed for your specialty.
Physicians & General Practitioners
Finance diagnostic tools, exam equipment, EHR systems, and office upgrades. Ideal for independent practices and multi-location groups seeking to grow without capital strain.
Dentists & Oral Surgeons
Finance digital CAD/CAM (CEREC) systems, 3D Cone Beam CT (CBCT), dental chairs, X-ray units, sterilization equipment, and full office buildouts.
Ophthalmologists
Finance LASIK lasers, OCT scanners, retinal cameras, surgical microscopes, slit lamps, and other high-cost vision care technology for your practice or surgery center.
Veterinarians
Finance digital X-ray, ultrasound, specialized anesthesia systems, surgical suites, dental units, and full diagnostic lab equipment for your veterinary practice.
Dermatologists & Aesthetics
Finance cosmetic lasers, body contouring devices, hair removal systems, and skin resurfacing technology. New and used equipment welcome, including aesthetic practices.
Ambulatory Surgery Centers & Hospitals
Finance full OR buildouts — surgical robotics, anesthesia machines, endoscopy towers, imaging-compatible tables, and lighting systems. Medical centers and hospitals welcome.
Most medical equipment, accessories & furniture can be financed
From a single dental chair to a complete radiology suite — if your practice uses it, we can finance it. $10,000 minimum, no maximum.
Diagnostic Imaging
- MRI machines — full-body & extremity
- CT scanners — high-slice cardiac & neuro
- Digital X-ray suites & mobile C-Arms
- Ultrasound — OB/GYN, cardiac & general
- Mammography — 3D tomosynthesis systems
- PET scanners & nuclear medicine
Surgical & OR Assets
- Surgical robotics (Da Vinci & similar)
- Anesthesia machines & monitoring
- Surgical lights & imaging-compatible tables
- Endoscopy & laparoscopy towers
- Electrosurgical units & cauterizers
- Sterilization & autoclave systems
Specialty Practice Equipment
- Dental: CAD/CAM (CEREC), CBCT, chairs
- Ophthalmology: LASIK lasers, OCT scanners
- Dermatology: cosmetic lasers, body contouring
- Veterinary: digital X-ray, surgical suites
- Oncology: radiation therapy systems
- Physical therapy: rehab & exercise equipment
Laboratory & Diagnostic Hardware
- Chemistry analyzers — blood & fluid testing
- Hematology & automated cell counters
- PCR & genetic sequencing systems
- Centrifuges & incubation equipment
- Point-of-care testing devices
- Pathology & histology systems
Stay competitive without draining your cash reserves
The extraordinary cost of medical equipment makes financing the smart choice for private practices, medical centers, and hospital systems at every stage of growth.
Why Medical Professionals Finance Equipment
Healthcare facilities face the constant challenge of acquiring new or updated equipment while maintaining positive cash flow. Financing offers a cost-effective, flexible solution that keeps your practice at the cutting edge without the capital hit.
- Starting a new practice — Launch without draining startup capital on expensive equipment.
- Upgrading obsolete technology — Replace aging diagnostic equipment and stay ahead of competitors.
- Expansion and growth — Open new locations or add specialties without large capital outlays.
- Office remodeling — Bundle equipment, furniture, installation, and buildout into one payment.
- Hospital systems & medical centers — Standardize equipment across locations and manage capital efficiently.
- Hedge against inflation — Lock in fixed payments unaffected by rising interest rates.
Benefits of Equipment Leasing for Medical Practices
Beyond cash flow, equipment financing gives medical practices, hospitals, and surgery centers a complete set of strategic and financial advantages.
Little or No Cash Down
100% financing available on approved applications — preserve your working capital for staffing, operations, and growth. $10,000 minimum, no maximum.
Maintain Bank Credit Lines
Keep your existing lines of credit open for emergencies and daily operations instead of tying them up in equipment purchases.
Simple Fixed Monthly Payments
Predictable payments make budgeting straightforward and protect your practice against interest rate volatility.
Upgrade Equipment Easily
Avoid being locked into outdated technology. Structure your lease to allow upgrades at end of term and stay ahead of the competition.
Option to Own
Financing structures can include purchase options at end of term, giving you the flexibility to own the equipment outright when it makes sense.
Tax-Deductible Payments
Monthly lease payments are often fully deductible as a pre-tax business expense — reducing your effective equipment cost significantly.
Section 179 Tax Deduction — 2026
Many medical practices and hospitals can take advantage of Section 179 to accelerate deductions on financed equipment — writing off the full value in the year it is placed into service.
- Applies to both financed and leased equipment
- Deduct the full value in year one — not over 5–7 years
- Pairs with 100% bonus depreciation on qualifying assets
- Consult your tax advisor for practice-specific guidance
Sale Leaseback for Medical Equipment
One of the most powerful financial tools for medical professionals — unlock the cash tied up in equipment you already own, while keeping it in your facility and continuing patient care without interruption.
How it works
You sell your existing equipment (MRI, CT scanner, surgical robotics) to a lender at its appraised value. The lender leases it back to you under a fixed monthly payment. The equipment never leaves — and the cash goes directly to your account for expansion, debt payoff, or new investment.
- Immediate cash from paid-off equipment — no traditional loan needed
- Zero downtime — equipment stays in your facility
- Tax-deductible fixed monthly payments made with pre-tax dollars
- Ideal for partner buyouts, new locations, or technology upgrades
- Works for private practices, medical centers, and hospital systems
Works great for
Private practices, hospitals, ASCs, and medical groups with paid-off imaging, surgical, or diagnostic equipment worth $25K or more.
Typical timeline
Most sale leaseback transactions fund within 5–10 business days of application. Same-day approval available with approved credit.*
How much can I get?
Typically 80–100% of the current appraised value of your equipment. No maximum — larger hospital assets welcome.
Keep your equipment
Your equipment never moves. Patient care continues without interruption — the only thing that changes is the cash in your account.
Financial & Operational Advantages for Medical Practices
Sale leaseback is especially powerful for medical professionals because of the high value of medical equipment and the critical importance of maintaining cash flow in a healthcare environment.
Convert your equipment equity into growth capital
Medical equipment is expensive. An MRI machine can cost $1–3 million. A Da Vinci surgical robot runs $1.5–2.5 million. A sale leaseback converts that capital into cash you can use immediately — whether for a new location, hiring staff, renovating, or acquiring additional equipment.
For hospitals and health systems, it's a sophisticated capital management tool used to free up millions while standardizing equipment leases across multiple sites.
Financial & Strategic Benefits
- Convert paid-off equipment into a lump-sum cash injection
- 100% financing — often covers full appraised value
- Off-balance sheet potential — improve debt-to-equity ratio
- Preserve existing credit lines for operations
Operational Advantages
- Zero downtime — equipment stays in your facility
- Fixed payments for predictable long-term budgeting
- Upgrade path at end of term — avoid obsolescence
- Scalable — replicate across multiple locations
Tax Efficiency
- 100% lease payment deductibility on operating leases
- Payments made with pre-tax dollars — lower effective cost
- May realize a tax benefit if book value exceeds sale price
- Consult your tax advisor for practice-specific guidance
Who It Works Best For
- Private practices buying out a partner or renovating
- Hospitals recycling capital from radiology & oncology assets
- Multi-location groups standardizing equipment across clinics
- Practices optimizing financials ahead of a sale or merger
Corp-Only Financing — No Personal Guarantee
Established medical corporations can finance equipment without putting personal assets at risk. Designed for medical groups, hospital systems, and multi-location practices. $10,000 minimum — no maximum.
- $10,000 minimum — no maximum financing
- 5 years in business preferred (2 yrs for some)
- Paynet Masterscore of 680+
- No outstanding liens or judgments
Medical Equipment Financing — Answered
Questions about medical leasing, sale leaseback, startups, hospitals, and more. Contact us or schedule a call if you don't see yours.
Ready to finance your medical equipment?
Apply online in minutes — $10,000 minimum, no maximum. Our team will follow up quickly with your best options.
* 24-hour approval & funding with approved credit. Timelines subject to credit approval, time in business, equipment type, documentation completeness, and individual lender conditions. Results may vary. EquipCash is not a direct lender — we connect businesses with equipment financing solutions through our network of lenders. Tax information is general in nature; consult a qualified tax advisor for guidance specific to your practice.