Diagnostic Imaging
MRI, CT, X-ray and related imaging systems within the approved transaction range.
Medical Equipment Financing for Practices, Clinics & Care Facilities
Opening a location, adding a service line or replacing aging technology can require a large capital outlay before the equipment produces revenue. GFLS finances medical and dental equipment nationwide from $25,000 to $5,000,000, with new and refurbished equipment eligible.
Call 480-478-7413 or send a text.
Veteran-ownedFounded in 2009NationwideBBB AccreditedDirect lender
Medical Equipment Financing at a Glance
Financing range$25,000 to $5,000,000
EquipmentNew and used medical, dental and healthcare equipment
ApplicantsEstablished practices, startups/newer businesses, practices opening new locations and credit-challenged applicants may be considered
Credit reviewComplete, organized applications can often receive a credit decision in 24-72 hours; timing varies
Project costsQualified delivery, installation and other approved soft costs may be eligible
Preserve Cash for the Rest of Your Practice
Medical equipment competes for cash with build-out, payroll, supplies, insurance, software, recruiting and the timing of reimbursements. Financing can spread the acquisition cost over time while keeping more working capital available for the rest of the operation.
GFLS has worked with small and mid-sized businesses since 2009 and evaluates established practices and newer businesses individually. We do not publish a minimum credit score requirement, so our review considers the broader practice and transaction rather than a single number.
Medical Equipment You Can Finance
GFLS can finance a broad range of essential-use equipment for medical, dental and healthcare businesses, including:
Ultrasound
Diagnostic ultrasound machines and associated equipment.
Dental Equipment
Operatories, imaging systems, CAD/CAM and other eligible dental equipment.
Patient Monitoring
Monitoring systems and related clinical equipment.
Surgical Equipment
Eligible equipment used in surgery centers, specialty practices and procedural settings.
Laboratory Equipment
Diagnostic and analytical equipment used by clinical and specialty laboratories.
Physical Therapy & Rehab
Rehabilitation, therapy and other eligible patient-care equipment.
Need specialty medical technology that is not listed here? Send the vendor quote, model and project scope so GFLS can review the equipment and transaction.
Start Your ApplicationWhen Medical Equipment Financing Makes Sense
- You are opening a new practice or location and need to preserve cash for build-out, staffing and launch costs.
- You are adding a service line that requires specialized equipment before it can generate revenue.
- Aging technology is creating reliability, capacity or workflow limitations.
- You want to expand patient capacity without using a large portion of available cash at once.
- You found appropriate used or refurbished equipment and want to finance the acquisition rather than pay cash.
Why Medical and Dental Practices Choose GFLS
A Personalized Credit View
GFLS evaluates cash flow, time in business, equipment, ownership experience and the practice story; we do not publish a minimum credit score.
Direct Lender Flexibility
GFLS can fund directly and can access additional funding relationships when the transaction needs a different structure.
New and Used Equipment
Qualified used and refurbished equipment can be reviewed alongside new equipment.
Eligible Soft Costs
Delivery, installation and other approved project costs may be included on qualifying transactions.
New-Location and Startup Consideration
Newer practices are evaluated individually instead of being screened out solely for limited operating history.
Vendor Coordination
GFLS communicates with equipment vendors and sellers so financing can move alongside delivery and installation planning.
Planning an Upgrade or New Location?
Call or text 480-478-7413.
What Helps Your Financing Decision Move Faster
Give the credit team a clear view of the equipment, your practice and the total project rather than just a dollar amount.
- Vendor quote and equipment description, including model, year and serial number for used equipment when available.
- Delivery, installation and other project costs you want considered in the financing request.
- Practice ownership information and time in business.
- Recent business bank statements.
- Business financials and tax returns if requested for the transaction.
- A short explanation of whether the equipment supports a new location, service line, replacement or capacity expansion.
How Financing Works
Apply
Complete the application and identify the equipment, vendor, project amount and timing.
Review the practice and structure
GFLS considers the full credit profile, cash flow, equipment and purpose of the acquisition. Complete, organized applications can often receive a credit decision in 24-72 hours.
Finalize documents and fund
After approval and final documentation, GFLS coordinates the transaction with the vendor so the equipment can move toward delivery and installation. Funding timing varies by transaction.
Frequently Asked Questions
Can I finance medical equipment while opening a new practice or location?
Yes. New practices and new locations can be considered. With limited operating history, the review may rely more heavily on ownership experience, cash flow, the business plan, equipment and overall transaction.
Can I finance used or refurbished medical equipment?
Yes, qualifying used and refurbished equipment can be considered. The vendor, age, condition, value and useful life of the equipment are part of the review.
Can delivery or installation be included with the equipment financing?
Sometimes. Qualified soft costs may be included in the financed amount. Provide the full vendor quote so GFLS can confirm what is eligible.
Can I upgrade equipment that is already financed or leased?
Potentially. The best path depends on the current agreement, payoff or lease terms, equipment value and the new transaction. GFLS can review the existing obligation before proposing an option.
What credit score do I need for medical equipment financing?
GFLS does not publish a minimum credit score requirement. Credit is evaluated together with cash flow, existing obligations, time in business and the equipment being financed.
How quickly can I get a medical equipment financing decision?
For complete and organized applications, GFLS can make a credit decision within 24-72 hours. Larger imaging or multi-equipment projects can require additional diligence before funding.
Tell Us What Equipment You Need and When You Need It Operational
Whether the project is a new location, a replacement or a new service line, start with the vendor quote and timing. Schedule a call with us to help you understand the financing structure and next step.
Prefer to call? 480-478-7413
All financing is subject to credit approval and final documentation. Rates, terms, advance amount, first payment or deposit, and funding timing vary by applicant and transaction. Tax treatment depends on individual circumstances; consult your tax adviser.