Medical Device Financing & Leasing
Get the device in the room, keep cash in the practice
Liberty Capital finances medical devices for physician practices, clinics, urgent care, labs, med spas and home-health providers: patient monitors, analyzers, diagnostic and treatment devices. New or refurbished, from manufacturers, dealers or private sellers, nationwide.
Medical devices we finance
Which structure fits?
| $1 buyout lease | FMV lease | Equipment finance agreement | |
|---|---|---|---|
| Payment | Moderate | Lowest | Moderate |
| Own at end | Yes, for $1 | Buy at fair market value or return | Yes, from day one |
| Best for | Devices you will keep | Technology you will upgrade | Building equity |
| Section 179 | Often yes | Usually no | Yes |
*Application-only limits vary by credit, time in business, device type and specialty.
Why practices lease medical devices
Devices get better every few years. Leasing is an inflation buster, a fixed payment while device prices rise, and cash flow management: a low capital outlay compared with buying outright, so reserves stay in place while insurance reimbursements catch up. Payments are low and manageable, terms run up to 5 years, and most leases end with a $1 buyout.
Devices may qualify for Section 179, a potential 100% deduction in the year they go into service (ask your CPA). You conserve cash for staff and growth, and an FMV lease makes upgrading simple.
What you get
Three things get it moving
- Online application; soft inquiry to start, hard pull only at final approval
- Device invoice or quote
- 3–4 months of business bank statements
- $0 down is reserved for 5+ years in business, established PayNet and D&B business credit and 700+ personal credit
Startups
New practices and med spas are reviewed case-by-case. Strong personal credit, licensing and experience help; a down payment may be required.
Medical device financing questions
What is medical device financing?
A loan or lease that lets a practice get a medical device now and pay for it over time, usually secured by the device itself.
Can I finance a refurbished device?
Yes, from manufacturers, certified refurbishers or private sellers.
How much can I get without financials?
Application-only approvals are common up to $250,000, depending on credit, time in business and the device. That is guidance, not a promise.
Can a med spa finance aesthetic devices?
Yes. Med spas are reviewed on credit, licensing and time in business; startups usually need a down payment.
Will applying hurt my credit?
We start with a soft inquiry. The lender runs a hard inquiry only at final approval.
Ready to add your next device?
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.