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Medical Equipment Financing & Loans for Healthcare Providers

Credibly provides medical equipment loans and financing with approvals in as little as 2 hours and funding in as little as 4 hours. Our capital solutions are designed for healthcare providers who need to upgrade technology, improve patient comfort, and manage practice growth even when insurance reimbursements are delayed.

 

medical equipment loans

Help your business grow with financing and loans for medical equipment

At a glance

  • Approval speed: As little as 2 hours
  • Funding speed: As little as 4 hours (same-day access)
  • Capital range: Up to $600,000 (standard)
  • Businesses served: 55,000+ businesses financed nationwide
  • Min. credit score: 550* for equipment financing

Get started

<h2>Why healthcare practices choose Credibly</h2>
<ul>
<li><b>Speed:</b> Approval in as little as 2 hours; funds in as little as 4 hours — compared to 30–90 days for traditional bank or SBA financing</li>
<li><b>Credit Flexibility:</b> Financing available for credit scores as low as 550, evaluated based on overall practice health</li>
<li><b>Scale:</b> 55,000+ businesses funded, $3+ billion deployed nationwide</li>
</ul>

Approval
as fast as 2 hours
Funding
as fast as 4 hours
$3+
billion in financing
55,000+
small businesses financed

Up to $600,000 in medical equipment loans and financing – fast, easy, simple, affordable, the Credibly way*

Business loan options from Credibly for small and medium enterprises.

Medical Equipment Financing

Best for: Direct acquisition of diagnostic, surgical, and therapeutic machines.

  • Asset-Based Collateral (Available through Credibly Partner): Use the equipment itself as collateral — no additional security required
  • Acquisition Versatility (Available through Credibly Partner): Credibly finances new, used, and refurbished medical equipment, as well as private-party sales and major emergency repairs
  • Fast Modernization: Acquire monitors, imaging systems, or diagnostic tools without depleting operating cash reserves
Business loan options from Credibly for small and medium enterprises.

Healthcare Business Line of Credit (Available through Credibly Partner)

Best for: Revolving access to capital for emergency repairs, ongoing supply needs, and small upgrades.

  • Emergency Readiness: One approval provides an ongoing source of funds for unexpected equipment failures
  • Pay Only for Use: Withdraw what you need and pay interest only on the drawn amount
  • Immediate Draw: Funds available without a new application once the line is established
  • Requirements: 700+ credit score, $20,000+ average monthly revenue, 6+ months in business
Business loan options from Credibly for small and medium enterprises.

Working Capital Loans

Best for: Managing clinic operations and repairs during slow or fluctuating insurance reimbursement cycles.

  • Flexible repayment: Daily or weekly draft schedules that align with your actual revenue pace
    Factor rates as low as 1.11
  • Better fit than an MCA for clinics: Credibly’s working capital loans are underwritten based on total business revenue — not just card sales — making them more accessible for practices with mixed payment types including insurance reimbursements
Business loan options from Credibly for small and medium enterprises.

Long-Term Healthcare Loans (Available through Credibly Partner)

Best for: Practice expansion, new facility build-outs, and large-scale medical projects.

  • Large scale: Funding up to $10M for major expansions
  • Stability: Term lengths between 18 and 24 months with favorable rates
Healthcare practice loans for medical professionals and clinics.

Why healthcare practices choose Credibly

  • Speed: Approval in as little as 2 hours; funds in as little as 4 hours — compared to 30–90 days for traditional bank or SBA financing
  • Credit Flexibility: Financing available for credit scores as low as 550, evaluated based on overall practice health
  • Scale: 55,000+ businesses funded, $3+ billion deployed nationwide

The advantages of medical equipment loans from Credibly

Step 1
Pre-qualify online

Click “Get Started”, pre-qualify in minutes, and find out how much you are eligible to borrow. (No obligation to borrow)

Step 2
Approval in as little as 2 hours

Get approved for financing in as little as 2 hours.

Step 3
Access funding on the same day

Get quick medical equipment loans and financing – funds can be deposited in your account in as little as 4 hours.

Medical equipment loans help providers thrive

Advantages of medical equipment loans

Are these financing options right for your business? Let’s take a look.

Pros
  • Access medical equipment loans and financing for doctors fast
  • Borrow only as much as you need and save on interest
Cons
  • Can hurt your practice’s cash flow if you borrow too much
  • Loans that are unsecured may have higher rates

Even more medical equipment loans for doctors and healthcare providers*

Merchant cash advance
Merchant cash advance
Handle fluctuating revenue with ease with our merchant cash advance.
Long-term loan
Business line of credit
Access flexible capital when you need it.
All Financing
SBA loans
Long remittance periods, low rates, and cash directly into your account.
all financing options
All financing/loan options
Not seeing the right option for you? That’s okay – we’ve got plenty more, just ask.

Fast access to loans for medical equipment

Helping you help patients

Let’s make sure you can access the equipment you need to support your patients and your business.

Taking your business to the next level

Ready for growth? Our financing options can help you expand, upgrade, invest in new technology and services.

We’ve helped more than 55,000 businesses across the country—we’re ready to help you.

Reliable equipment loans to grow your business efficiently.

Frequently Asked Questions

How fast can I get a loan for my medical practice?

Credibly prioritizes fast decisions — medical providers can receive approval in as little as 2 hours and see funds deposited in their account in as little as 4 hours. This makes Credibly one of the fastest options for clinic equipment repair emergencies.

Is a Merchant Cash Advance (MCA) compatible with uneven clinic reimbursements?

Standard ACH-based MCAs deduct a fixed daily percentage of credit card sales, which can create pressure on low-volume days for clinics with uneven reimbursement cycles. Credibly’s working capital loans offer a more flexible alternative, with remittance structures that better align with reimbursement cycles. Credibly’s underwriting also considers total business revenue, not just card sales, making approval more accessible for practices with mixed payment types.

What is the best funding option for a clinic equipment repair emergency?

For fast access, a Business Line of Creditprovides revolving capital you can draw immediately without a new application. For a lump-sum repair, aWorking Capital Loan is the faster alternative to equipment financing. Credibly funds in as little as 4 hours — minimizing clinical downtime when critical equipment fails.

What slows down equipment financing approval, and how can I speed it up?

Approval is typically delayed by incomplete or outdated financial records. To expedite the process, prepare your last 3-4 months of business bank statements and a valid government-issued ID. Credibly prioritizes these core documents over lengthy appraisals, enabling approvals in as little as 2 hours.

How much financing can I get for medical equipment?

Healthcare providers can qualify for up to $600,000.

Funding for medical equipment made painless

Fast, easy, and secure financing options that can be in your bank account in as few as 24 hours.

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*Some products are made available through Credibly’s network of external funding partners.