equipment financing for healthcare & medical practices
Equipment Financing for Healthcare & Medical Practices businesses. Built for healthcare & medical practices cash flow.
Finance the trucks, machines, refrigeration, diagnostic gear, or production equipment your business runs on. The equipment itself serves as collateral, which unlocks longer terms and lower rates than unsecured working capital.
- Max funding
- $1M
- Term
- 2–7 years
- Time to fund
- 24 hours
- Min FICO
- 500+
The short answer
Is Equipment the right fit for Healthcare & Medical Practices businesses?
Finance imaging systems, dental chairs, surgical equipment, and medical devices.
Last updated 2026-06-24
Why this fit
Common cash-flow gaps in healthcare & medical practices. Equipment Financing maps to the ones below.
These are the underwriting realities and operational pressures we see most often in this industry.
Insurance Reimbursement Delays
Medicare, Medicaid, and private insurers pay on their schedule, not yours. 60–120 day reimbursement cycles create chronic cash flow gaps for practices running on tight margins.
Equipment Upgrades
Medical technology advances faster than your depreciation schedule. Staying competitive means upgrading imaging, diagnostic, and treatment equipment, which requires capital.
Practice Expansion
Adding a new provider, opening a second office, or expanding services requires working capital that banks take months to approve.
Representative scenario
What a typical healthcare & medical practices equipment financing looks like. Numbers below are illustrative.
Your actual offer depends on your bank statement history, time in business, credit profile, and existing debt.
Rates vary by applicant. Representative example only.
Qualification
What we look for in healthcare & medical practices files. Underwriting, in plain language.
- Minimum 6 months operating as a licensed healthcare provider
- $20,000+ monthly revenue
- 500+ personal credit score
- Valid medical/dental/healthcare license
Other ICG products for healthcare & medical practices
Not the right fit? Here is what else works in your industry.
Common questions
Equipment Financing for healthcare & medical practices. Honest answers, no fine print games.
QIs healthcare funding HIPAA-compliant?
ICG never touches patient records. We underwrite against your practice bank statements and a copy of your provider license. No PHI is requested, transmitted, or stored.
QDo you fund solo practitioners?
Yes. Solo MDs, DDSs, DVMs, and allied-health providers with 12+ months of consistent deposits routinely qualify.
QCan I refinance existing equipment?
Yes. ICG can refinance imaging systems, chairs, and surgical equipment you already own to unlock working capital.
QDoes accepting Medicaid patients hurt my chances?
No. Medicaid-heavy practices actually benefit most from revenue-based funding, predictable (if slow) reimbursement is exactly what we underwrite against.
QDo I have to buy the equipment from a specific dealer?
No. ICG finances equipment from any reputable dealer, auction, or private seller with a documented invoice or appraisal. New and used equipment both qualify.
QIs a down payment required?
Typically 0–20% down, depending on the equipment type, age, and your credit profile. Many applicants qualify for $0-down financing on new equipment.
QCan I finance used equipment?
Yes. Used equipment under 10 years old with documented hours or mileage is routinely approved. An appraisal may be required for specialty items.
Equipment Financing for other industries
Where else this works. One product, many verticals.
Ready when you are
Ready to fund your healthcare & medical practices business? 24 hours to fund.
Quick application. Soft credit pull only. Real human review.