Delivering Better Care Starts with the Right Equipment

As demand for advanced, accessible healthcare continues to rise, clinics and practices across the country are feeling the pressure to modernize. But with the high cost of diagnostic tools, surgical equipment, and EMR systems, upgrading your practice can feel out of reach.

Medical equipment financing is designed to change that.

Whether you’re opening a new clinic, expanding your services, or replacing outdated machines, financing allows you to get the equipment you need now, without a major upfront expense.

 

What Is Medical Equipment Financing?

Medical equipment financing is a flexible funding solution that enables healthcare providers to acquire diagnostic, treatment, or administrative equipment through structured monthly payments.

Financing options include:

  • Equipment loans – Term-based loans with the device or system as collateral

  • Structured financing agreements – Flexible terms that may include ownership or upgrades

  • Deferred or seasonal payment options – Tailored to practice cash flow

  • Vendor partner financing – Where financing is offered directly through the equipment supplier

✅ New and used equipment typically qualify, including software, installation, and setup.

 

Who Should Consider Financing?

Medical equipment financing is ideal for:

  • Dentists and dental surgeons

  • Family and internal medicine practices

  • Outpatient and ambulatory surgical centers (ASCs)

  • Veterinary clinics

  • Chiropractic and physical therapy practices

  • Behavioral health providers

Common pain points financing can solve:

  • Limited capital for upgrades or expansion

  • Old or unreliable equipment slowing down care

  • Delayed treatment due to long procurement cycles

  • Strained cash flow from trying to self-fund large purchases

 

What Types of Medical Equipment Can You Finance?

From basic diagnostic tools to high-end imaging systems, most clinical, dental, and outpatient care equipment qualifies.

Examples of financeable equipment:

  • Dental chairs and operatory systems

  • Digital X-ray and panoramic imaging units

  • Ultrasound and ECG machines

  • EMR/EHR systems and clinical software

  • Surgical lasers and scopes

  • Sterilizers and autoclaves

  • Exam tables, lighting, and cabinetry

  • Veterinary diagnostic and treatment tools

💡 If it's essential to patient care or practice efficiency, it likely qualifies for financing.

 

Benefits of Medical Equipment Financing for Healthcare Providers

Choosing to finance medical or dental equipment isn't just about affordability—it’s about strategic growth and quality of care.

Here’s what you gain:

  • Preserve Cash Flow
     Keep funds available for staff, supplies, and day-to-day operations.

  • Improve Patient Outcomes
     Access advanced tools to speed diagnosis, enhance treatment, and improve patient satisfaction.

  • Flexible Payment Structures
     Choose terms that align with your billing cycles or seasonality.

  • Tax Benefits
     Equipment financed and placed in service before year-end may qualify for Section 179 deductions and bonus depreciation.

  • Budget-Friendly Planning
     Fixed monthly payments help you forecast expenses with precision.

 

Real-World Example: Dental Imaging Success

A growing dental clinic needed a new 3D imaging system to support implant services and complex diagnostics. Instead of using $120,000 in cash, the owner chose a 60-month financing plan.

The result:

  • Increased patient intake capacity

  • 35% rise in billing revenue over 12 months

  • Equipment paid for itself in under 18 months through new case volume

By financing, the clinic scaled services without disrupting operations or liquidity.

 

What to Expect When Applying for Medical Equipment Financing

The process is fast, straightforward, and often completed in just a few days.

Basic Requirements:

  • 6+ months in business (exceptions for startups may apply)

  • Personal and/or business credit check

  • Equipment quote from vendor

  • Proof of revenue or financial statements

Step-by-Step Process:

  1. Consultation – Discuss needs and structure preferences

  2. Apply – Submit a simple application and financial documents

  3. Approval – Many approvals happen within 24–48 hours

  4. Funding & Delivery – Vendor is paid directly and equipment is installed

📞 Need help? FPG handles vendor coordination so your staff can stay focused on patient care.

 

Upgrade Your Practice Without the Financial Stress

With the right financing strategy, you don’t have to delay upgrades, compromise care, or exhaust cash reserves. Medical equipment financing empowers your practice to stay competitive, serve more patients, and grow on your terms.

 

Ready to Explore Flexible Financing Options?

FPG helps healthcare providers secure the tools they need, quickly, simply, and with personalized support. Whether you're expanding services or replacing outdated equipment, we’re here to help.

 

📞 Call (603) 696-7076 to speak with a specialist