Medical Equipment Financing & Loans for Healthcare Providers
Express Commercial Capital
provides medical equipment loans and financing withapprovals 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.
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Keep up with customer demand and business growth, all while protecting what you’ve achieved, with funding when you need it. You never have to go through the application process again.
Your funding is ready
Access revolving credit, once you’re approved
Lower rates than credit cards
The funds are there for you as long as you need them
Don’t pay for funding you’re not using
Withdraw the precise amount you need, as soon as the opportunity arrives
Never pay interest on unused funds
No mandatory monthly payments
Business line of credit*
Use your funding the way you need to—follow your business plan, rather than be dictated by strings attached to funds.
Up to $600,000 in medical equipment loans and financing – fast, easy, simple, affordable, the Express Commercial Capital
way*
Medical Equipment Financing
Best for: Direct acquisition of diagnostic, surgical, and therapeutic machines.
Asset-Based Collateral (Available through Express Commercial Capital
Partner):Use the equipment itself as collateral — no additional security required
Acquisition Versatility (Available through Express Commercial Capital
Partner):Express Commercial Capital
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
Healthcare Business Line of Credit (Available through Express Commercial Capital
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
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 paceFactor rates as low as 1.11
Better fit than an MCA for clinics: Express Commercial Capital
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
Long-Term Healthcare Loans (Available through Express Commercial Capital
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
Why healthcare practices chooseExpress Commercial Capital
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
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
Handle fluctuating revenue with ease with our merchant cash advance.
Business line of credit
Access flexible capital when you need it.
SBA loans
Long remittance periods, low rates, and cash directly into your account.
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.
Our Services
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FAQs for consulting loans
How fast can I get a loan for my medical practice?
Express Commercial Capital
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 Express Commercial Capital
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. Express Commercial Capital’s working capital loans offer a more flexible alternative, with remittance structures that better align with reimbursement cycles. Express Commercial Capital
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. Express Commercial Capital
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. Express Commercial Capital
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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