Conventional Medical Equipment Financing
Imaging, surgical, dental, lab, IT. 100% financing, 2-7 years.
- Up to 100% financing
- 2-7 year terms
- 5-15% APR
- Section 179 deduction
WESTVALVE FINANCIAL • EQUIPMENT FINANCING FOR HEALTHCARE
Equipment Financing for Healthcare.
Medical imaging, surgical, dental, lab equipment — 100% financing, 2-7 year terms, Section 179 tax benefits. SBA 504 for heavy medical equipment. Fast approval for medical practices.
No obligation to explore your options. Financing is subject to provider approval and program requirements.
WESTVALVE FINANCIALMEDICAL EQUIPMENT
100% FINANCING AVAILABLE
Imaging to surgical. Smart financing.
MRI, CT, ultrasound, surgical, dental, lab — the equipment secures the loan. Lower rates, tax benefits, matched terms.
HEALTHCARE EQUIPMENT FINANCING
Imaging to surgical. Smart financing.
MRI, CT, ultrasound, surgical, dental, lab — the equipment itself secures the loan. Lower rates, tax benefits, terms matched to equipment life.
SBA 504 for Heavy Medical Equipment
Imaging, surgical >$250K. 10% down, 25-year fixed, equipment as collateral.
- Up to $5.5M
- 10, 20, 25 yr fixed
- Fixed, below market
- 10% down (15% special use)
Dental & Specialty Equipment
Chairs, units, imaging, CAD/CAM, lasers, sterilization. 100% financing.
- Up to 100% financing
- 2-7 year terms
- 5-15% APR
- Section 179 deduction
EMR/IT & Software Financing
EMR systems, practice management, patient portals, IT infrastructure. 2-4 year terms.
- Up to 100% financing
- 2-4 year terms
- Rates vary by provider and equipment type
- Software + hardware bundles
TAX BENEFITS
Section 179 & Bonus Depreciation.
01
Section 179 Deduction
Deduct up to $1.22M (2024) of equipment cost in year one. Immediate expense vs. depreciation.
02
Bonus Depreciation
60% (2024) additional first-year deduction. Combined with 179 = 80-100% year-one deduction.
03
Preserve Cash Flow
Finance 100%, deduct 80-100% year one. Equipment pays for itself from tax savings.
04
Consult Your CPA
Tax laws change. Your CPA calculates exact benefit for your entity structure and income.
MEDICAL EQUIPMENT WE FINANCE
Imaging to IT. Every category.
MRI / CT
Ultrasound
X-Ray / Digital
Surgical Systems
Dental Chairs
Dental Imaging
Lab Equipment
Ophthalmic
Veterinary
Sterilization
EMR / IT
Patient Monitoring
SBA 504 vs CONVENTIONAL
Pick the right program for your practice.
| Feature | Conventional Equipment Financing | SBA 504 |
|---|---|---|
| Best For | $50K-$250K equipment | Heavy medical >$250K |
| Down Payment | 0-20% | 10% (15% special use) |
| Term | 2-7 years | 10, 20, 25 years |
| Rate | 5-15% APR | Fixed, below market |
| Collateral | Equipment only | Equipment + RE (if applicable) |
| Speed | 3-7 days | 60-90 days |
| Tax Benefits | Full 179 + Bonus | Full 179 + Bonus |
REQUIREMENTS
What you need to qualify.
Conventional Equipment Financing
- Credit: 600+ (alt), 660+ (bank)
- Time in practice: 1+ year
- Revenue: $250K+ annually
- Down: 0-20%
SBA 504 for Medical Equipment
- Credit: 680+
- Time in practice: 2+ years
- Profitable
- Down: 10% (15% special use)
Used Medical Equipment
- Credit: 600+
- Time in practice: 2+ years
- Down: 10-20%
- Equipment age limits apply
Documents
- Equipment quote/invoice
- 3 yr business tax returns
- YTD P&L + Balance Sheet
- 3 months bank statements
GET STARTED
Let's finance your practice.
Tell us what equipment you need — imaging, surgical, dental, lab, or IT. We'll match you with the right program and provider.
FAQ
Questions about healthcare equipment financing.
Can healthcare practices get 100% equipment financing?
Yes. Many equipment financing programs offer 100% financing (no down payment) for medical equipment — the equipment itself serves as collateral. SBA 504 requires 10% down but offers 25-year fixed rates. Conventional medical equipment financing often requires 0-20% down depending on credit and equipment type.
What medical equipment can be financed?
Medical imaging (MRI, CT, X-ray, ultrasound), surgical equipment, dental equipment (chairs, units, imaging), lab equipment, ophthalmic equipment, veterinary equipment, patient monitoring, sterilization equipment, and IT/EMR systems. Both new and used medical equipment can be financed.
What are the tax benefits of medical equipment financing?
Section 179 deduction: deduct up to $1.22M (2024) of equipment cost in year one. Bonus depreciation: 60% (2024) additional first-year deduction. Combined, you can often deduct 80-100% of equipment cost in year one. Consult your CPA for your specific situation.
Can I finance used medical equipment?
Yes. Most equipment financing programs finance used medical equipment — typically up to 7-10 years old for imaging equipment, 5-7 years for surgical/dental. Age and condition affect rate and term. We work with providers who specialize in used medical equipment financing.
What credit score do healthcare practices need for equipment financing?
Conventional equipment financing: 600+ (alt), 660+ (bank). SBA 504: 680+. Strong equipment collateral and clinical experience can offset 620-659 scores. We've seen 620-640 approved with 20%+ down and 3+ years experience.
Can I finance EMR/IT systems?
Yes. EMR systems, practice management software, patient portals, and healthcare IT infrastructure can be financed. Terms typically 2-4 years for software/IT. We work with providers who specialize in healthcare technology financing.