Medical Practice Financing & Equipment Leasing
The right lender and structure for your practice, the first time
Funding is everywhere; matching the right product to your practice is the hard part. Liberty Capital has served small business and healthcare for over 20 years. We map your need, short-term working capital or long-term equipment, to the right program and lender so you avoid bank-hopping and get back to patients.
Medical equipment by specialty
7 ways to fund a medical practice
| Option | Best for | Speed |
|---|---|---|
| Equipment financing & leasing | Imaging, lasers, chairs, lab and IT | 1–5 days |
| Business line of credit | Payroll, supplies, insurance reimbursement gaps | 1–2 weeks |
| Business term loan | Buildouts, renovations, expansion | Days to 2 weeks |
| Medical invoice factoring | Slow insurance receivables | 2–5 days |
| Medical commercial loan | Real estate and larger projects | 2–6 weeks |
| SBA 7(a) / 504 | Practice purchase, real estate, long terms | 30–90 days |
| Merchant cash advance | Short, urgent needs only; use cautiously | 1–2 days |
*Application-only limits vary by credit, time in business, equipment type and specialty. Soft costs (delivery, install, IT integration, training) up to about 120% of project cost are program-dependent.
Why practices lease equipment
Medical technology changes fast. Leasing is an inflation buster, with a fixed payment while equipment and labor costs rise, and cash flow management: a low capital outlay compared with buying outright, while insurance reimbursements catch up. Payments are low and manageable, terms run up to 5 years, and most leases end with a $1 buyout; an FMV lease keeps payments lowest if you plan to upgrade.
Equipment may qualify for Section 179, a potential 100% deduction in the year it goes into service (ask your CPA). You conserve cash for staff and growth.
Application-only up to $250K
- Online application; soft inquiry to start, hard pull only at final approval
- Equipment invoice or quote; multiple vendors and private-sale bill of sale considered
- 3–4 months of business bank statements
- Larger requests: tax returns and financial statements
Startups and associates buying in
New practices, associates buying in and practice acquisitions are reviewed case-by-case. Physicians and dentists with strong personal credit often qualify for startup programs. $0 down is reserved for businesses with 5+ years in business, established PayNet and D&B business credit and 700+ personal credit.
Medical financing questions
Lease or finance medical equipment: which is better?
If you upgrade often, an FMV lease keeps payments lower and makes refresh simple. If you want ownership, use an equipment finance agreement or $1 buyout lease. Confirm tax treatment with your CPA.
Can soft costs be included?
Often yes. Delivery, installation, IT integration and training may be included up to about 120% of project cost, depending on the program.
Do you work with startups or lower credit?
Yes, case-by-case. Startups usually need strong personal credit; lower credit may need a down payment or shorter term.
How fast can I get approved and funded?
Next-day approvals are possible on application-only deals; funding follows once delivery and paperwork are confirmed.
Is an MCA right for a medical practice?
Rarely. Use it only for a short, urgent need. A line of credit or factoring usually fits insurance reimbursement gaps better.
Ready to equip your practice?
Get a free quote or call (888) 511-6223.
Rates and terms disclosure: any rates, payments or terms shown are examples only. Sample rates apply to established businesses with 3 to 5+ years in business and strong credit (680+ FICO), subject to credit approval. Startup rates vary and are subject to final approval. Application-only limits vary by credit, time in business, equipment type and industry; amounts shown are guidance, not a promise. $0 down is reserved for businesses with 5+ years in business, established PayNet and D&B business credit and 700+ personal credit. This is not an offer or commitment to lend. Not tax advice; ask your CPA about Section 179.