Built for Lab & Analytical Instrument Sellers
OEMs · Distributors · Dealers · Automation Integrators · Lab Build-Out Suppliers
Help Labs Own Their Instruments — Not Rent Them Through Reagents.
Whether you're placing a benchtop analyzer in a physician office lab, a chromatography or mass spec system in a research group, or a full automation line in a core lab, FPG helps your sales team present financing earlier and keep the deal moving forward.
Labs are told they can get instruments for almost nothing. Financing gives you a better answer: they own the instrument, they keep their consumable sourcing decision their own, and they spread the cost over a monthly payment instead of a long commitment attached to the box.
Start your lab equipment financing program
Tell us what you sell and how your team quotes. We’ll build the program around your sales process.
A real person from our partnership team will reach out directly.
Built to Keep Deals Moving2–4 hrsMost credit decisions come back within hours, helping sales teams maintain momentum. Direct & 25+FPG is a direct lender with access to 25+ strategic funding partners for more ways to get a deal done. $350KApplication-only financing available up to $350,000 — which covers most single-instrument transactions outright. Healthcare TeamDedicated vendor finance specialists who work with lab and practice buyers every day.
Financing that works at the speed of an instrument sale
Instrument decisions often sit with a lab director working against a budget window or a project start. Speed alone is not enough — sellers also need flexible structures and people who understand how these transactions come together.
The Instrument Seller’s Perspective
Financing should help create the yes — not show up after the no.
Your priority is to place instruments, shorten the sales cycle and protect price. When financing is treated as an afterthought, the lab may already have decided to take a placed instrument tied to a consumable agreement, keep sending the work out, buy a used system of unknown service history, or wait for the next budget cycle.
Own the instrument, keep sourcing separate
Financing lets a lab buy the instrument outright and make its consumable sourcing decision on its own merits, rather than taking a placed instrument tied to a long commitment.
Bring the testing in-house
A lab sending specimens or samples out is paying for that testing either way. Financing lets them bring it in-house on their own timeline rather than waiting for capital.
Keep the configuration the method needs
Presenting financing early helps a lab buy the configuration the work actually requires instead of the base system that fits available budget.
Protect your price
Give labs structure and payment flexibility before discounting the instrument or absorbing installation and training becomes the easiest way to save the deal.
We Speak Lab & Analytical
Built around the instruments a lab runs every day
FPG finances lab and analytical instruments and the equipment around them, from a single benchtop system to a full lab build-out. We underwrite the buyer and understand that instrument type, configuration, installation scope, resale value and the lab’s profile can all influence how a transaction should be structured.
Clinical Chemistry & Immunoassay
Hematology & Coagulation
Molecular & Genomics
Chromatography & Mass Spectrometry
Microbiology & Cell Culture
Spectroscopy & Materials Testing
Sample Handling & Automation
Lab Infrastructure & Build-Out
Selling a multi-instrument package, a method transfer, a new lab build-out or an automation project? FPG can structure financing around the full transaction rather than one quote at a time.
Why Instrument Sellers Use FPG
One financing relationship. More ways to get the deal done.
FPG combines direct lending, in-house underwriting and a network of strategic funding partners. That gives your sales team more flexibility without forcing them to manage multiple lender relationships on every opportunity.
More flexibility without more complexity
- Direct lending plus access to 25+ strategic funding partners
- Structures for A, B and C credit profiles, including newer labs and growing testing businesses
- Application-only financing that covers most single-instrument transactions
- Support for multi-instrument packages, automation projects and lab build-outs
- A dedicated vendor finance team that works directly with your sales reps
People who understand lab buyers
Lab instrument deals are not generic business financing. The buyer may be a lab director, a practice owner, a procurement office or a municipality. The instrument needs siting, installation and qualification. The lab may be a thirty-year reference lab or a two-year testing startup. FPG’s team works with these buyers and knows how to keep a transaction moving without adding friction to your sale.
More than capital. A true partnership.
Your FPG vendor finance team
Peg NielsenSVP — Healthcare Vendor Finance
Kevin AngeloManager, Sales & Client Development
Flexible Structures
Typical programs are not one-size-fits-all.
The right structure depends on the lab, the instrument and what they want at the end of the term. FPG can structure the sale around the transaction instead of forcing every buyer into the same financing box.
Equipment Finance Agreements
Traditional structures for labs that want predictable payments and ownership economics.
Purchase Options
Fixed-term structures designed for labs that intend to own the instrument at the end of the term.
End-of-Term Options
Structures that give a lab defined choices at the end of the term — return, renew or purchase — rather than being left with an aging platform.
Deferred Payments
Structures that can help a lab get through installation, qualification, method validation and training before regular payments begin.
Step Payments
Lower early payments that step up over the term, useful for a lab bringing a new method online or a testing business ramping volume.
Refresh Structures
Terms set to a lab’s instrument replacement cycle, so the financing and the platform turn over together.
Multi-Instrument & Build-Out Packages
One transaction covering several instruments plus automation, benching and lab infrastructure, instead of separate paperwork for each quote.
New & Used Equipment
Financing for new instruments and for qualifying pre-owned and certified refurbished systems.
Delivery, siting, installation, training and freight can be included alongside the instrument, so labs can finance the complete setup rather than the system alone.
How It Works
From instrument quote to funded sale
Your sales team stays focused on the lab and the next placement instead of chasing financing paperwork.
1
Quote the Instrument
Your rep builds the proposal around the platform, configuration, installation and training the lab needs.
2
Present Financing
Introduce payment options in the same conversation, alongside the ownership argument.
3
Lab Applies
The buyer completes the branded application from a phone or desktop.
4
FPG Structures the Deal
We underwrite the opportunity and determine the best available structure.
5
Documents & Funding
FPG handles documents and funds the seller on delivery and acceptance, or once installation is complete for sited systems.
6
Place the Next Instrument
Your reps stay focused on labs, networks and the next opportunity.
The goal: make financing part of the sales motion without turning your sales team into a finance department.
Program Capabilities
Everything your team needs to use financing as a sales tool
FPG builds the program around your sales process and supports the tools, training and marketing needed to make financing easy to introduce — in the quote, at a lab visit or on a show floor.
Custom Program Design
A financing structure built around how you sell.
You getA program that supports your price and close rate.
Your reps getSimple guidance for when and how to introduce financing.
Co-Branded Financing Assets
Marketing support that helps make financing visible before the objection.
You getAccess to our CMO for special co-branded marketing campaigns and financing content.
Your reps getReady-to-use assets that make financing easier to introduce and promote.
Sales & Quote Tools
Make monthly-payment selling easier for your team.
You getTools that support payment-based selling without building technology internally.
Your reps getA payment option they can put on the quote alongside the instrument price.
Ongoing Enablement
A dedicated finance team that stays engaged after launch.
You getVisibility and support across active financing opportunities.
Your reps getSomeone to call when a live deal needs help.
Payment-Based Selling
Help labs evaluate the payment, not just the instrument price.
A lab already budgets monthly for staff, consumables, service and the testing it sends out. A monthly payment puts the instrument in that same column — and unlike a placed instrument, it ends with the lab owning the platform.
| Equipment Investment | 36 Months | 48 Months | 60 Months | 72 Months |
|---|---|---|---|---|
| $40,000Benchtop analyzer for a physician office lab, with install and training | $1,263 | $986 | $821 | $711 |
| $150,000Chemistry or immunoassay analyzer, or an HPLC system | $4,736 | $3,698 | $3,078 | $2,667 |
| $500,000Mass spec platform, or a core lab automation and instrument package | $15,785 | $12,325 | $10,260 | $8,890 |
Illustrative estimates only. Rates, terms and structures are subject to credit approval and may vary.
Lab Equipment Financing FAQ
Questions instrument sellers ask
Labs are offered instruments at little or no up-front cost. Why would they finance one instead?
Because financing leaves the lab owning the instrument and free to make its consumable sourcing decision separately, rather than taking a platform tied to a long commitment. Your rep can frame it as a monthly payment that ends with the lab owning the system.
Why should our sales team put financing on the quote instead of waiting for a budget objection?
Putting financing on the quote gives the lab more ways to evaluate the purchase. Instead of discussing only the instrument price, your rep can frame the decision around a monthly payment alongside the staff, consumables, service and send-out testing the lab already budgets for.
Can installation, siting and training be included?
Yes. Delivery, siting, installation, training and freight can be included alongside the instrument, so the lab finances the complete setup rather than the system alone. Amounts and structure are subject to credit approval.
Can several instruments be financed in one transaction?
Yes. A multi-instrument package, including automation, benching and lab infrastructure, can be structured as a single transaction rather than separate paperwork for each quote.
Can payments be structured around installation and method validation?
Often, yes. Deferred structures can help a lab get through installation, qualification, validation and training before regular payments begin, and step structures can support a lab ramping a new method or growing test volume. Availability depends on the transaction and credit approval.
What happens at the end of the term?
Structures are available that give the lab defined end-of-term choices — return the instrument, renew, or purchase it — rather than being left with an aging platform. Which options apply depends on the instrument and the transaction.
Can the term be matched to an instrument replacement cycle?
Often, yes. Terms can be set to line up with a lab’s replacement cycle so the financing and the platform turn over together. Availability depends on the transaction and credit approval.
Can FPG help newer labs and growing testing businesses?
Often, yes. FPG is a direct lender with in-house underwriting and access to 25+ strategic funding partners, so A, B and C credit profiles can be placed. A newer lab usually means a shorter term or a down payment rather than a decline.
Do you finance pre-owned and certified refurbished instruments?
Yes. FPG finances new instruments and qualifying pre-owned and certified refurbished systems. Age, condition, service history and resale value typically affect the term rather than eligibility.
How fast are decisions?
Most credit decisions come back in two to four hours. Core lab automation, larger multi-instrument transactions, newer labs, unusual structures or more complex credit situations can require additional review.
What happens when a deal does not fit FPG’s direct-lending box?
FPG also works with 25+ strategic funding partners. That gives the team additional ways to structure qualifying transactions without forcing the seller to manage separate lender relationships.
When does the seller get paid?
FPG funds your company in full on delivery and acceptance. The purchaser pays FPG based on the agreed terms. You receive payment, and FPG manages the financing from there.
Vendor Partner Result
Financing support that helps create more sales opportunities
30%reported increase in pipeline
“FPG has been instrumental in driving opportunities in our pipeline. Their strategic insights and tailored solutions increased our pipeline by 30%.”— FPG Client | Vendor Partner
The value is not just access to capital. It is giving the sales team another tool to keep an opportunity moving when price, payment structure or credit flexibility could otherwise send a lab toward a placed instrument or next year’s budget.
Build Your Financing Program
Turn financing into a competitive advantage for your sales team.
Whether you sell clinical analyzers, molecular and genomics platforms, chromatography and mass spectrometry, microbiology systems, automation or complete lab build-outs, FPG can help you build a financing program designed to place instruments, protect your price and give labs more ways to say yes.
Real people. Real expertise. Real growth.
Start your lab equipment financing program
All financing is subject to credit approval. Terms and structures vary based on the customer and transaction. Payment examples shown on this page are illustrative and are not an offer or commitment to lend.