Medical Equipment Financing & Leasing with Liberty Capital
Medical Equipment Financing & Leasing with Liberty Capital
Acquire essential medical technology without a large upfront hit to cash flow. Our flexible terms, fast approvals, and multiple programs help hospitals, clinics, and private practices stay current—MRI/CT, ultrasound, lab, dental, PT, IT and more.
Comparing Business Loan, Leasing, and Financing
| Feature | Business Loans | Equipment Leasing | Equipment Financing |
|---|---|---|---|
| Ownership | 50% | 100% | 100% |
| Initial Costs | $0 | Low to moderate | Varies |
| Monthly Payments | Monthly, Daily, Weekly | Monthly | Monthly |
| Credit Minimum | 500 | 600 | 650 |
| Fund Disbursements | Client | Vendor | Vendor |
| New/Used Equipment | n/a | Yes | Yes |
| Maximum Term | 24 months | 60 months | 60 months |
| Time in Business | 3+ years | Startup OK | Startup OK |
| Interest Rates | Moderate | Low | Low |
| Application Only | $150K | $250K | $250K |
Credit Requirements for Medical Equipment Financing
Guidelines for medical & healthcare equipment leasing (from startup to established companies):
- Minimum 600 credit score
- No prior bankruptcies in last 7 years
- No unresolved tax liens
- Down payment/security determined by credit, TIB, and ticket size
Click here for complete equipment leasing credit guidelines.
Financing Options for Medical Equipment
Core Structures
- Equipment Financing (EFA): Fixed terms; build ownership with predictable payments.
- Equipment Leasing (FMV): Off-balance-sheet option; flexibility at end-of-term.
Ask About Our Specials
- $99 for the First 6 Months (program-dependent)
- 90-Day Deferred Payments — $0 for the first three months
How Medical Equipment Financing Works
- Apply Online: One-page application (soft inquiry) to fit the right loan to your use of funds.
- Complete the Application: Business info, owners, amount requested; upload minimal documents.
- Submit for Approval: We review and issue a credit term sheet with your approval details.
- Receive Decision: Final approval after term sheet & funding docs; quick verbal confirmation with the underwriter.
- Fund Disbursement: Funds released fast—often within 24 hours—directly to vendor (or to you for WC/term loans).
Tip: If EFA/lease isn’t a fit, we can pair equipment with working capital or a business term loan to cover install, IT, and training.
Eligible Medical Equipment You Can Finance
- Diagnostic Imaging: MRI, CT, X-ray
- Ultrasound systems
- Laboratory analyzers
- Surgical instruments
- Medical furniture & fixtures
- IT & software for healthcare
- Physical therapy equipment
- Dental & ophthalmology devices
- More—new or used, vendor or private seller
Application-only up to $250,000; larger tickets with financials. Private sellers and vendors must be verified.
Benefits to Financing Medical Equipment
Key Features
- Free, no-obligation quote
- Flexible terms aligned to your cash flow
- Fast approvals — often 24–48 hours
- Competitive rates
- Preserve working capital
- Potential tax advantages (check with your CPA)
Program Advantages
- Corp-only availability (program-dependent)
- Up to 120% coverage (include install, IT, training)
- No down payment for qualified borrowers
- No prepayment penalties on select programs
- Terms up to 60–72 months
- New or used equipment eligible
What Do I Need to Apply?
- Online Application: Complete, upload, and authorize. Soft inquiry first; hard inquiry may occur upon approval for equipment financing.
- Equipment Invoice or Quote: Multiple vendors accepted; private sale bill-of-sale considered.
- 3–4 Months Bank Statements: Verify income/banking; ACH autopay upon approval.
Choose Liberty Capital for Your Medical Equipment Financing
Affordability is everything. We streamline underwriting with real humans to prevent fraud and vendor issues, especially on complex purchases. Compared to banks, our process has less paperwork, faster decisions, and the equipment serves as the collateral.
- Less paperwork
- Fast processing time
- Collateral-light (equipment-backed)
- Credit-flexible programs
FAQ: Equipment Leasing for Healthcare
Lease vs Finance—how should I choose?
If you expect frequent upgrades, FMV leasing keeps payments lower and simplifies refresh. For long-term ownership, consider an Equipment Finance Agreement or $1 buyout lease. Confirm tax treatment with your CPA.
Can I include installation, IT, and training?
Often yes—many programs allow up to ~120% to cover soft costs such as delivery, installation, IT integration, and training. Eligibility varies.
Do you work with startups or lower credit?
Yes. Startups may need down/security and strong personal credit. Equipment-backed structures can help.
How fast can I be approved and funded?
Application-only decisions can be next-day; funds may be released within 24–72 hours after documents and vendor verification.
Vendor or private seller—does it matter?
We accept both, subject to verification and approval. We vet sellers to protect you from fraud.
Popular Products & Resources
Related Medical Equipment Leasing
Application Only up to $250,000 for Medical Equipment
One of the utmost necessities for a private practice to hospitals to small clinic or office, having the state of the art equipment is imperative to ensure that your practice is keeping up with the technology.
Equipment loans or leasing are viable routes for expanding your practice. Leasing, in particular, offers numerous advantages, though they won’t be explored here today. One notable benefit of equipment leasing is the accompanying tax advantages, cashflow saving, inflation buster and safety from obsolescence.
Medical Equipment Financing Options
Affordability is key when it comes to acquiring any medical equipment. Our medical equipment financing options offer the flexibility you need to manage your cash flow effectively while investing in the equipment necessary to grow your business. With longer loan terms of up to 72 months, we can help you reduce your monthly payments and make owning a high-ticket item like a roll-off truck more manageable.
Compared to traditional lenders, we offer several advantages:
v Corp-Only Available: We cater to businesses of all sizes, including corporations.
v Up to 120% Equipment Cost: Our financing solutions can cover not only the equipment cost but also soft costs associated with acquisition.
v Fast Approval Process: With our simple one-page application, you can get Funding Approval as quickly as the next day.
v No Down Payment Required: Qualified borrowers may access financing without the need for a down payment.
v Lowest Rates: We offer competitive rates for qualified borrowers, ensuring you get the best financing terms available.
v No Pre-Payment Penalties: Enjoy the flexibility of paying off your loan early without any penalties.
v Term: Terms up to 60 months.
v Down Payment: First and Last Payments, $0 Down Payment, 0% Security Deposit and Dollar Buyout Options.
v New or Used: We’ll finance new or used equipment for up to 60 months.
v Private Seller or Vendor: Private seller and vendor accepted. Each vendor/seller will need to be approved and verified.
Easier to get than a traditional bank equipment loans
Less paperwork
Fast processing time
Less stringent requirements for qualifying
No collateral needed, the equipment is the collateral
May require less credit score for you and your business as well
Choose Liberty Capital for your Medical Equipment Financing
Our small business financing experts are available to guide you through the funding Process.
Despite technological advancements, loans, especially in medical equipment financing, predominantly involve personal interaction with an underwriter to ensure as fraud prevention. Automation may not suffice, particularly when dealing with a third party like the vendor and the complexities of equipment purchase. 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.
Instant Quote Online
Use our instant online quote calculator to get an accurate no obligation quote.
Apply Online
Complete our quick online application. Application takes 5 mins.
Review Your Options
We will contact you to review your options.
Get Funds
Money will be deposited in your account in as little as 24 hours.