Financing program
Connect with lenders who understand healthcare. Equipment financing for imaging, dental, and diagnostic equipment. SBA loans for practice acquisition and real estate. Working capital for payroll, supplies, and reimbursement cycle gaps. One application, we match you with the right programs.
Medical and dental practices finance equipment (imaging, chairs, diagnostics), SBA 7(a) and 504 loans for practice acquisition and real estate, and working capital for payroll and supplies. Practices provide care, submit claims, then wait on payers. That reimbursement lag — care delivered now, claims paid weeks later — is why even profitable practices borrow: the obligation is fixed and continuous while the collection is neither.
Healthcare practices operate differently from most other industries. Revenue follows reimbursement cycles—you provide care, submit claims, then wait for insurance or patient payments. The lag between providing care and receiving payment creates cash flow gaps. High equipment costs for imaging, dental chairs, and diagnostic tools add to the capital challenge. Standard bank loans often don't align with how medical and dental practices actually run.
That's why healthcare-specific financing matters. Lenders who understand the industry evaluate your patient volume, payer mix, and equipment—not just static financials. They structure equipment loans around the useful life of imaging and dental equipment, working capital around reimbursement cycles, and SBA loans for practice acquisition and real estate when you're ready to expand. Axiant Partners connects primary care physicians, dentists, and specialty practices with lenders who get healthcare. One application, we match you with programs suited to your practice profile. See all industries we serve. Apply now to see what you qualify for.
Doctors, dentists, and healthcare providers need capital for imaging, dental equipment, payroll, and growth. From reimbursement cycle needs to long-term equipment and practice acquisition, here are the most common uses—and how we connect you with the right product.
X-ray, MRI, CT, ultrasound, dental chairs, and lab analyzers. Equipment financing spreads the cost over the asset's useful life instead of tying up cash. Many lenders specialize in medical equipment and understand regulatory and resale considerations. Typical terms 36-84 months. Browse equipment by type.
Payroll, supplies, and overhead during reimbursement cycles when insurance or patient payments lag. Working capital loans bridge the gap between providing care and receiving payment—or between adding staff and revenue. Terms can align with your payer cycles. Essential when ramping up a new practice or managing payment delays. Explore healthcare working capital.
SBA 7(a) and 504 loans for practice acquisition, equipment, real estate, and working capital. Lower down payments (10% for 504 real estate), longer terms (10-25 years), competitive rates. Use 7(a) for flexibility; 504 for owner-occupied office or clinic. Plan for 30-60+ days. View SBA loans for medical practices.
Revolving credit for payroll, supplies, and reimbursement gaps. Draw when needed; repay as insurance or patient payments arrive. Ideal for variable payment cycles and seasonal volume. Many practices use a line alongside equipment and SBA financing. Explore medical practice line of credit.
Purchase or refinance office space, clinics, and medical buildings. SBA 504 and conventional mortgages build equity while freeing capital for equipment and operations. Owner-occupied property often qualifies for favorable terms. Stop leasing; build equity instead. Explore medical practice real estate.
Buy another practice, acquire a retiring doctor's patient base, or purchase an existing clinic. SBA 7(a) loans finance acquisitions—often with as little as 10% down. Seller financing and thorough documentation improve approval odds. Grow through acquisition when organic growth isn't enough. SBA acquisition financing.
Medical practice financing sizes vary by product, use of funds, and practice profile. Here are representative ranges we see across the U.S.:
| Industry | Typical amount | What it funds |
|---|---|---|
| Equipment financing | $50,000 to $1,500,000+ | imaging, dental, surgical, and lab equipment. Single unit or multi-room. New or used. |
| Working capital | $50,000 to $500,000+ | payroll, supplies, and overhead. Terms often align with reimbursement cycles. |
| SBA 7(a) | $50,000 to $5,000,000 | working capital, equipment, acquisition, or real estate. Most flexible SBA program. |
| SBA 504 | $500,000 to $5,000,000+ | owner-occupied office and clinic buildings. 10% down, long-term fixed rates. |
| Lines of credit | $25,000 to $500,000+ | depending on revenue, credit, and lender. Revolving, draw as needed. |
Your actual amount depends on revenue, credit, payer mix, patient volume, and lender. Use our financing calculator to estimate monthly payments. Apply now to get matched with programs for your situation.
Healthcare-specific financing offers advantages that generic business loans often cannot match. Here's why doctors and dentists nationwide turn to specialized lenders:
Equipment financing often receives decisions in 24-48 hours. When you need imaging for a new location or a dental operatory to increase capacity, you can't wait 60 days. Working capital and lines of credit can fund in days to a few weeks. SBA takes longer but offers terms others can't match.
Spread equipment costs over 36-84 months instead of one lump sum. Keep cash for payroll, supplies, and unexpected expenses. Working capital loans bridge reimbursement gaps without depleting reserves. Match financing structure to your cash flow—not the other way around.
Healthcare lenders evaluate patient volume, payer mix, equipment utilization, and practice type—not just financials. They structure loans around equipment useful life and reimbursement cycles. Terms that fit how you actually operate.
Equipment today, working capital for reimbursement gaps, SBA real estate when you're ready to own your office. Many practices use a mix. We connect you with lenders who offer the full suite—so you're not juggling five different banks for five different needs.
We connect you with lenders who offer equipment financing, SBA loans, working capital, and lines of credit. Understanding the options helps you choose the right fit—and we guide you through that decision.
| Financing Option | Best For | |
|---|---|---|
| Medical & Dental Equipment Financing | Loans for imaging systems, dental chairs, surgical equipment, and lab analyzers. Spread costs over useful life; preserve cash for payroll and supplies. Ideal for adding operatories or upgrading to digital workflows. Decisions often 24-48 hours. | Browse medical imaging, dental & more ? |
| SBA Loans for Medical Practices | SBA 7(a) and 504 loans offer longer terms and lower down payments. Use for working capital, equipment, practice acquisition, and commercial real estate. Approval typically 30–60 days. 10% down for 504 real estate. | View SBA loans for medical practices ? |
| Healthcare Working Capital | Cover payroll, supplies, and overhead during reimbursement cycles. Bridge gaps when insurance or patient payments lag. Terms aligned with healthcare revenue cycles. | Explore healthcare working capital ? |
| Medical Practice Line of Credit | Revolving credit for payroll, supplies, and reimbursement gaps. Draw when needed; repay as payments arrive. Well-suited to variable insurance payment cycles. Flexible, use as needed. | Explore medical practice line of credit ? |
| Healthcare Real Estate | Purchase or refinance office space, clinics, and medical buildings. SBA 504 and conventional mortgages build equity while freeing capital for equipment and operations. 10% down with 504. | Explore medical practice real estate ? |
Axiant Partners connects you with healthcare lenders and guides you from application to funding.
Equipment financing: 24-48 hours. Working capital: days to weeks. SBA: 30-60+ days. Apply now to get started.
01
Tell us about your practice, equipment needs, patient volume, and use of funds. One application goes to multiple healthcare lender partners. We determine whether equipment, working capital, SBA, or a combination fits best.
02
Our team analyzes your profile and identifies lenders whose programs align with your needs. Equipment-only? Working capital for reimbursement gaps? SBA for acquisition? We connect you with the right programs.
03
Equipment financing often requires minimal docs—application, bank statements, equipment quote. SBA and larger working capital need more. We tell you exactly what's needed and keep the process moving. Equipment decisions in 24-48 hours; SBA 30-60+ days.
04
Once approved, funds disburse per your loan type. Equipment financing—lender pays vendor or you. Working capital—deposited to your account. SBA—per closing docs. You're funded and ready to add capacity, expand, or acquire.
Medical and dental practices frequently finance imaging, diagnostic, and treatment equipment. Below are common types, typical cost ranges, and why practices finance them. Lenders who specialize in medical equipment understand regulatory considerations, useful life, and resale value—often resulting in better terms and faster decisions.
X-ray, MRI, CT, and ultrasound systems are core diagnostic tools. New imaging equipment typically costs $50,000–$500,000 or more depending on type and capabilities. Many practices finance imaging to add in-house diagnostics or replace aging units.
How to finance medical imaging
Dental chairs, units, digital scanners, and CEREC systems are essential for dental practices. New setups typically cost $15,000–$100,000 or more per operatory. Financing helps dentists add operatories or upgrade to digital workflows.
How to finance dental equipment
Exam tables, procedure lights, and treatment chairs support patient care. Equipment costs range from roughly $2,000 to $50,000 or more per room. Financing helps practices outfit new exam or procedure rooms.
How to finance exam equipment
In-office lab analyzers, centrifuges, and diagnostic instruments support faster results. Lab equipment typically costs $5,000–$100,000 or more. Financing helps practices add in-house testing and reduce send-out costs.
How to finance lab equipment
Surgical lights, tables, scopes, and monitors support procedures in ASCs and specialty offices. Equipment costs range from roughly $10,000 to $200,000 or more. Financing helps practices add procedure capacity or upgrade technology.
How to finance surgical equipment
Ultrasound, EKG, spirometers, and point-of-care devices support rapid diagnosis. Diagnostic equipment typically costs $3,000–$80,000 or more. Financing helps practices add diagnostic capabilities and improve patient throughput.
How to finance diagnostic devicesBrowse All Equipment by TypeApply for Medical Equipment Financing
When you need imaging for a new location, a dental operatory to increase capacity, or lab equipment to bring testing in-house, you can't wait months. Medical equipment financing delivers decisions in 24-48 hours for many applications. Lenders who specialize in healthcare equipment understand your industry—they evaluate the asset, your patient volume, and practice type. New or used, single unit or multi-room, equipment financing preserves cash and matches payments to the equipment's productive life. Whether you run primary care, dental, or a specialty clinic, we connect you with lenders who finance the equipment you need. See our full equipment financing overview or apply now to get matched.
Healthcare revenue follows reimbursement—you provide care, submit claims, then wait for insurance or patient payments. Working capital loans bridge that gap. Cover payroll for staff, supplies for patient care, overhead during payment delays. Terms can align with your payer cycles, so you're not stuck with a 12-month loan when reimbursement lags 60-90 days. Doctors and dentists use working capital to ramp up a new practice, manage seasonal volume, and smooth cash flow. If you're tired of juggling payables while waiting on insurance, working capital financing can change the equation. Explore healthcare working capital or apply to see your options.
Requirements vary by product and lender. Here's what most healthcare lenders consider:
Credit 550+ FICO common; some programs work with lower. Revenue, time in business, and equipment value matter. New equipment often easier than used. Down payment 0–20% depending on credit and asset.
Revenue, cash flow, and time in business. Lenders want to see ability to repay. Patient volume and payer mix can support approval. Terms vary by lender.
Typically 650–680+ FICO, 2+ years in business, demonstrated profitability. Personal guarantees required. More documentation than equipment-only, but terms (10–25 years, 10% down for 504) often worth it.
Revenue stability, credit, and existing debt. Revolving structure means ongoing monitoring. Draw as needed; repay when insurance or patient payments arrive.
Strong practices with clear use of funds and solid documentation typically qualify for favorable terms. Challenged credit? Options exist—terms may differ. Apply now and we'll match you with lenders whose criteria fit your profile.
We focus on connecting healthcare providers with the right lenders and moving your application forward efficiently.
We understand equipment, working capital, SBA, and how they fit together. We match you with lenders who serve your industry.
Equipment today, working capital for reimbursement gaps, SBA when you're ready. One application goes to multiple lenders across product types.
We serve medical and dental practices anywhere in the U.S. Practice type and size don't limit your options.
We're compensated by lenders. Your match service is free.
One application, multiple options, support at each stage. Apply now to get started.
See a rough monthly payment for a fixed-rate business loan. Adjust the amount, rate, and term to fit your scenario.
Estimate only — your actual rate and term depend on your business profile and the lender. Get matched for a real quote.
Medical and dental practices can access equipment financing for imaging, dental chairs, and diagnostic equipment; SBA 7(a) and 504 loans for practice acquisition, real estate, and facility upgrades; working capital loans for payroll, supplies, and reimbursement cycle gaps; and lines of credit for variable insurance payment cycles. Amounts typically range from $50,000 to $5,000,000 depending on use and practice profile. Apply to see what you qualify for.
Equipment financing often receives decisions within 24-48 hours. SBA loans typically take 30-60+ days. Working capital and lines of credit can fund in days to a few weeks depending on lender and documentation. Need imaging for a new location? Equipment financing is usually the answer.
Yes. Many lenders finance both new and used medical imaging, dental, and diagnostic equipment. Used equipment may have shorter terms (36-60 months) and rates based on age, condition, and FDA compliance. Resale value and useful life affect terms. See our guide to used equipment financing.
Equipment financing programs often accept 550+ FICO. SBA loans typically favor 650-680+ credit. Working capital and lines of credit vary by lender. Strong credit improves terms; options exist for challenged credit with different structures. Apply and we'll match you with lenders that fit your profile.
Doctors and dentists use working capital to cover payroll, supplies, and overhead during reimbursement cycles when insurance or patient payments lag. Terms can align with payment cycles. Essential when ramping up a new practice or managing delays between providing care and receiving payment.
Yes. SBA 7(a) and 504 loans finance imaging, dental, and medical equipment. 7(a) is flexible for general equipment; 504 suits long-lived machinery and real estate. Approval typically 30-60 days. If you need equipment faster, equipment-only financing often funds in 24-48 hours. Compare SBA vs equipment financing.
Apply for Medical Practice Financing TodayExplore our latest healthcare growth cluster focused on second-location expansion, patient-flow-safe equipment upgrades, working-capital stability, and dental operatory growth. For equipment-specific guides by type, see Equipment by Type. For all articles, see Equipment Financing Articles.
A growth framework for adding location two while protecting location-one service quality and operating cash stability.
Read →A practical liquidity system for balancing fixed care costs with variable reimbursement timing.
Read →A phased operatory expansion strategy to increase production while protecting patient experience and margins.
Read →How healthcare practices use smart equipment financing to scale capacity and growth responsibly.
Read →How medical practices can finance new equipment to increase revenue per patient without destabilizing operations.
Read →We also provide financing for restaurants and manufacturing businesses. View all industries.
Medical and dental practices need financing that fits reimbursement cycles and growth plans. Axiant Partners connects healthcare providers with lenders that offer equipment loans, working capital, SBA loans, and more. Submit your information once and we match you with programs suited to your practice profile.