Healthcare Transportation Financing: Wheelchair Vans & Ambulances

Healthcare transportation financing

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.

Up to $250Kapplication only
Up to $5Mfleet financing with financials
Up to 120%including conversion & upfit
12–72 monthsfixed payments
Wheelchair-accessible transport van with lift deployed for a passenger
What we finance

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.

Wheelchair minivansSide- and rear-entry conversions on Toyota Sienna, Chrysler Pacifica and similar
Full-size wheelchair vansFord Transit, Ram ProMaster and Chevy Express with lifts or ramps
Stretcher vansStretcher and bariatric transport vans
Ambulatory & shuttlePassenger vans and cutaway shuttle buses for ambulatory trips
AmbulancesType I, II and III BLS and ALS ambulances
Mobile clinicsMobile medical, dental and screening units
Equipment & techLifts, securement systems, stretchers, dispatch software and GPS
Used & remountsPre-owned vans and ambulance box remounts
Planning a purchase

Rough price ranges for medical transport vehicles

VehicleTypical 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.

Match the money to the need

Which funding fits which transportation need

The needBest fitWhy
Adding vans or ambulancesVehicle financing or leaseLowest cost, fixed payments up to 72 months, conversion included.
Waiting 30–60 days on broker or Medicaid paymentsInvoice factoringCash on completed trips now instead of waiting on the payer.
Payroll, fuel and insuranceBusiness line of creditDraw when you need it, repay as payments come in.
Winning a new contract or territoryWorking capital loanFixed payments while new routes ramp up.

Straight talk: never buy a van with a cash advance. Vehicles belong on vehicle financing.

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How vehicle and equipment financing works

Funding your equipment.

Your trusted source for business capital.

Why Liberty Capital

Why transportation providers finance with us

1
Conversion includedUp to 120% of the vehicle cost, covering lifts, ramps, securement and upfits.
2
Several vans, one approvalDraw on one approval as vans are delivered, from multiple dealers or upfitters.
3
Payments that start later90-day deferred payments while a new vehicle is credentialed with your broker.
4
New or usedAny dealer or upfitter, plus private-party and auction vehicles that can be verified.
5
Startups consideredNew NEMT companies are considered with strong personal credit, usually with a down payment.
6
Section 179 eligibleHeavy vans and ambulances you own may be fully deductible the year they go into service. See the 2026 limits.
Requirements

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.

Straight talk

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.

How it works

From dealer quote to first trip

  1. Send the quoteFrom any dealer, upfitter or seller.
  2. Apply in minutesA one-page application covers requests up to about $250K.
  3. Get approvedOften by the next day, with every payment shown before you sign.
  4. We fund the dealerUsually 1–5 days after signing and proof of insurance.
FAQ

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.

Related

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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Review Your Options

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Money will be deposited in your account in as little as 24 hours.

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Get Started Today

Our application process is easy. Simply fill out our quick, online application and start the process of securing financing for your start up practice. Our knowledgeable finance experts are here to assist you in obtaining a start up financing loan.

If you have any questions, we invite you to contact us