Merchant Fund Express
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Equipment Financing for Medical Practices

Bring imaging, diagnostics and treatment devices in-house without draining your operating account. Apply in 5 minutes.

Finance Equipment

Medical Equipment Financing

Offer more care under your own roof

Finance new or used medical equipment from $25,000. Soft credit pull to start, about three months of statements, no tax returns, FICO 500+ considered.

As fast as
24 hours

Amount to request

$85,000.00

Funding range$25K to $5M

*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.

Equipment funding built for practices

Fast and paperwork-light

Five minutes to apply plus three months of statements and your quote. No tax returns.

Flexible credit review

FICO 500+ considered. Steady reimbursements carry real weight.

See every dollar first

Your offer shows the full repayment amount before you accept, with no surprise costs after you sign.

Payments planned up front

Your payment schedule is laid out in the offer so you can budget around it.

Payroll before sales come in?

Fast decisions. Applying takes about 5 minutes.

Apply Now

How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

Modern care runs on equipment

Patients notice when a practice can do more in-house. An ultrasound unit, an in-office lab analyzer or a digital X-ray system can keep referrals inside your walls and shorten the path to a diagnosis. The catch is cost. Paying cash for a major device can leave the practice thin right when it needs a cushion for staffing and supplies.

Equipment financing spreads that cost out so the device can start contributing to revenue while you pay for it.

Equipment practices commonly finance

CategoryExamples
ImagingUltrasound, digital X-ray, bone densitometry
DiagnosticsLab analyzers, EKG, spirometry, Holter monitors
TreatmentLaser and aesthetic devices, physical therapy equipment
Exam and procedure roomsPower exam tables, procedure lights, sterilization units
TechnologyEHR hardware, servers, patient check-in kiosks

New and used equipment can both be considered. Bring the vendor quote so we know exactly what you are buying.

How the process works

Start with the 5-minute application. We run a soft credit pull to begin and ask for about three months of business bank statements along with the equipment quote. No tax returns are required. Your offer shows the full repayment amount and the payment schedule before you accept. Funding can arrive in as little as 24 hours for qualified businesses.

Think about the full cost of adding a device

A new device often brings training time, a room refit, supplies and sometimes a new hire to run it. If those costs are significant, pairing equipment financing with working capital or a line of credit can keep everything on schedule. If an existing machine is failing rather than being replaced by choice, see equipment repair funding.

Who this is for

Established practices with steady deposits from payers and patients: primary care, specialty clinics, urgent care, physical therapy, dermatology and more. Solo practitioners operating as sole proprietors can apply. FICO 500+ is considered.

Frequently Asked Questions

Can I finance used medical equipment?

Yes, used equipment can be considered. Provide the seller's quote, model and condition details so we can review it.

How much can I finance?

Funding ranges from $25,000 to $5,000,000, depending mainly on your deposits, existing obligations and the equipment involved.

Do you need my tax returns?

No. About three months of business bank statements and the equipment quote are usually enough to start.

Can I include installation or training costs?

Share the full quote, including installation and training, so we can see the complete cost of getting the device into service.

Will my credit score hold me back?

FICO 500+ is considered. Your practice's deposit history matters a great deal in the review.

How soon can the equipment be funded?

After you accept your offer, funding can arrive in as little as 24 hours for qualified businesses.

Ultrasound unit $85,000.00
Digital X-ray $110,000.00
Lab analyzer $45,000.00
Exam room refit $30,000.00

Example uses for illustration only.

How to improve your chances

These steps help a medical equipment request move smoothly.

  • Get an itemized vendor quote including install
  • Keep payer deposits in one business account
  • Explain how the device adds services or revenue
  • List current equipment payments when applying

Medical equipment financing: us vs. a bank

Merchant Fund Express
Traditional bank loans
Application
5 minutes online
Long forms and approvals
Credit
FICO 500+ considered
Strong credit required
Documents
Statements plus equipment quote
Tax returns and financials
Speed
As little as 24 hours if qualified
Weeks to fund
Start
Soft credit pull
Hard credit pull

Bring that new device into your practice

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding
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