Wheelchair vans, stretcher vans and ambulances for your fleet
Financing for non-emergency medical transportation (NEMT) companies, ambulance services, senior-living communities and mobile clinics. New or used, side- or rear-entry, from any dealer or upfitter.
Medical transportation vehicles we finance
Whether you run two vans on Medicaid broker trips or a full ambulance fleet, the vehicle and its conversion are your biggest cost. We finance both, together.
Rough price ranges for medical transport vehicles
| Vehicle | Typical new price |
|---|---|
| Wheelchair-accessible minivan | $55,000 – $85,000 |
| Full-size wheelchair van with lift | $70,000 – $110,000 |
| Stretcher or bariatric van | $80,000 – $130,000 |
| Cutaway shuttle bus | $90,000 – $160,000 |
| Type I or III ambulance | $200,000 – $350,000+ |
| Mobile medical clinic | $250,000 – $600,000+ |
Estimates only, not quotes. Used vans and remounted ambulances can cost much less and can be financed the same way.
Which funding fits which transportation need
| The need | Best fit | Why |
|---|---|---|
| Adding vans or ambulances | Vehicle financing or lease | Lowest cost, fixed payments up to 72 months, conversion included. |
| Waiting 30–60 days on broker or Medicaid payments | Invoice factoring | Cash on completed trips now instead of waiting on the payer. |
| Payroll, fuel and insurance | Business line of credit | Draw when you need it, repay as payments come in. |
| Winning a new contract or territory | Working capital loan | Fixed payments while new routes ramp up. |
Straight talk: never buy a van with a cash advance. Vehicles belong on vehicle financing.
How vehicle and equipment financing works
Funding your equipment.
Your trusted source for business capital.
Why transportation providers finance with us
What it takes to qualify
- Active business entity and any state NEMT or ambulance license required
- Personal guaranty from owners (corp-only available for established fleets)
- Minimum 650 credit score for startups (pre-revenue or under 2 years in business)
- Dealer or upfitter quote, or vehicle details for used units
- Proof of commercial auto insurance before funding
- No bankruptcies in the last 7 years and no unresolved tax liens
See where you stand with the approval indicator.
Line up contracts, then add vans
NEMT revenue depends on broker, Medicaid, facility and private-pay contracts, and most payers take 30 to 60 days. Before adding vans, make sure you have trips to fill them, budget for commercial insurance (often a major expense) and driver training, and have a plan for the payment lag. A van that sits idle still has a payment.
From dealer quote to first trip
- Send the quoteFrom any dealer, upfitter or seller.
- Apply in minutesA one-page application covers requests up to about $250K.
- Get approvedOften by the next day, with every payment shown before you sign.
- We fund the dealerUsually 1–5 days after signing and proof of insurance.
Healthcare transportation financing questions
Can a new NEMT company get van financing?
Yes. Startups are considered based on the owners' credit, usually with a down payment. Having broker or facility contracts in place helps.
Can I finance a used wheelchair van?
Yes. Used wheelchair vans from dealers, private sellers and auctions can be financed, as long as the vehicle and seller can be verified.
Is the wheelchair conversion included?
Yes. Financing can cover up to 120% of the vehicle cost, including the lift or ramp conversion, securement and other upfits.
Do you finance ambulances?
Yes. New and used Type I, II and III ambulances and box remounts can be financed.
Can I get paid faster on broker trips?
Invoice factoring can advance cash on completed trips billed to creditworthy payers, so you are not waiting 30 to 60 days.
How much can I finance on the application alone?
Up to about $250,000 with a one-page application, depending on credit and time in business. Larger fleets can be financed with financial statements.
Growing your transportation fleet?
Send us the dealer quote and get approved, often by the next day.
Vehicle prices shown are general estimates, not quotes. All financing subject to credit approval; terms vary by credit, time in business and vehicle. Liberty Capital Group, Inc. is not a tax advisor. NMLS #2009539 · CA DFPI #60-DBO49692.
Our small business financing experts are available to guide you through the funding Process.
Despite technological advancements, loans, especially for specialty vehicles like ambulances and medical transport vans, predominantly involve personal interaction with an underwriter to ensure fraud prevention. Automation may not suffice, particularly when dealing with a third party like the vendor and the complexities of vehicle acquisition. In such scenarios, business owners are often better served by collaborating with a Business Loans Broker like Liberty Capital Group, Inc., who can steer them in the right direction.
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Apply Online
Complete our quick online application. Application takes 5 mins.
Review Your Options
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Get Funds
Money will be deposited in your account in as little as 24 hours.