Medical imaging equipment financing.

MRI systems, CT scanners, ultrasound, digital X-ray and DR retrofits, C-arms and fluoroscopy, CBCT, mammography, and PACS and imaging IT, new and refurbished, from a $15,000 usual minimum well into seven figures. Site preparation, shielding, installation, and service contracts can be included on qualifying transactions.

Yes. Refurbished systems from the OEM or an established refurbisher are financed regularly, typically at a meaningful discount to new, with the term matched to the remaining service life and the warranty. Our guide to refurbished MRI and CT financing covers what lenders check.

Under $500,000, usually not: the application and the equipment quote cover most ultrasound, X-ray rooms, and 2D mammography purchases. CT, MRI, and PET/CT transactions generally exceed that threshold and move into full underwriting with two years of tax returns, interim financials, bank statements, a debt schedule, and a personal financial statement for each guarantor. See the imaging loan requirements guide.

Many established-business programs start around 600 FICO, and two or more years in business opens the broadest set of programs and the best pricing. Between one and two years narrows the field but stays workable; under one year the file is underwritten as a startup, which typically means 700+ personal credit, relevant industry experience, and working capital left after the purchase.

The score alone rarely decides it: cash flow, the equipment, and money down all move the answer. Full detail is in the qualification guidelines and the credit score guide.

Equipment finance agreements run 24 to 84 months and leases 24 to 60 months, with $1, 10%, or fair market value buyouts. The term cannot outrun the equipment's remaining useful life, so used equipment is often written on a shorter term than new.

Imaging technology turns over faster than it wears out, which is why a fair market value lease with an upgrade path fits many scanners; long-lived rooms and retrofits are usually financed and owned. Our lease vs. buy for imaging equipment guide covers the trade-off. The lease vs. loan guide runs one machine through every structure with real numbers.

Most applications get a first response within 1 to 2 business hours, with same-day options on qualified files and approvals in as little as 30 minutes on clean application-only files. Funding follows in as little as 24 to 48 hours once documents are signed.

Application-only decisions, with no tax returns or financial statements, are available up to $500,000 on qualifying files; above that, expect a full financial package. The application starts with a soft credit inquiry, which does not affect your score.

Usually, yes. For 2026 the Section 179 limit is $2,560,000 of qualifying equipment, phasing out above $4,090,000 of purchases, and bonus depreciation is 100%. New and used equipment both qualify, and financing does not change the deduction: equipment bought on an equipment finance agreement or a $1 buyout lease with nothing down is deducted the same as a cash purchase, as long as it is placed in service by December 31.

On a fair market value lease the funder owns the equipment, so you deduct the payments as rent instead. Run the estimate in the Section 179 calculator and confirm the treatment with your tax advisor.

Run the numbers first in the Quote Builder: set the equipment cost, term, down payment, and structure and see an estimated payment in a few taps, with no credit pull. When it fits, one short application and a soft credit inquiry get you matched with a dedicated funding professional who manages the deal from application to funding.