Surgical Equipment Financing & Leasing
Equip the OR and procedure rooms on fixed payments
Liberty Capital finances equipment for invasive and surgical procedures: ambulatory surgery centers (ASCs), office-based surgery suites, GI and pain clinics, plastic surgeons, podiatrists and veterinary surgery. New or refurbished, from manufacturers, dealers or private sellers.
Surgical equipment we finance
What to check before financing
Why surgical practices lease
Leasing is an inflation buster with a fixed payment while equipment prices rise, and cash flow management: a low capital outlay compared with buying outright, so reserves stay intact while reimbursements arrive. Payments are low and manageable, terms run up to 5 years, and most leases end with a $1 buyout; FMV leases suit technology you will 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 staffing and growth.
What it takes to qualify
- 600+ credit for smaller deals; 650+ for $50K and up
- 3–4 months of business bank statements
- Equipment quote; multiple vendors accepted
- Larger requests: tax returns and financial statements
- $0 down is reserved for 5+ years in business, established PayNet and D&B business credit and 700+ personal credit
Startups
New surgery centers and new procedure suites are reviewed case-by-case. Physician owners’ credit, experience and a pro forma help. Deferred payments may be available while the suite ramps up.
Surgical equipment financing questions
Can I lease refurbished surgical equipment?
Yes, from manufacturers, certified refurbishers or private sellers, usually with a shorter term on older units.
Can installation and training be financed?
Often yes, up to about 120% of project cost depending on the program.
Do you finance new ambulatory surgery centers?
Yes, case-by-case. Physician credit, experience and projections drive the approval.
Lease or buy surgical equipment?
Lease technology you will upgrade (FMV); use a $1 buyout lease or EFA for equipment you will keep for years. Ask your CPA about taxes.
Will applying hurt my credit?
We start with a soft inquiry. The lender runs a hard inquiry only at final approval.
Ready to equip your procedure rooms?
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.