Medical Equipment Financing

Faster, easier small business financing with one simple application—no bank needed.

Applying is free and won’t impact your credit.

Reviews From Medical Equipment Business Owners

Lendio Knows the Medical Industry.

Whether you’re looking to upgrade your medical equipment or expand your services, there are many loan products available to the medical industry. Small business owners in the medical industry can apply within minutes and receive funding in as little as 24 hours. Compare loan offers from our extensive network of 75+ lenders and get personalized support throughout the entire process.

Grow your business with medical equipment financing. Our lenders offer a variety of business loans that can be custom tailored to fit your needs. Financing medical equipment has never been easier.

Lendio is no stranger to funding for the medical industry and the type of capital required to grow a profit-driven enterprise. Our network of preferred lenders makes it easy to submit a single application and receive multiple financing options to compare.

Why Lendio?

Quick & Easy

Apply in just 15 minutes and get funded in as little as 24 hours

Your Partner In Business Financing

Get personalized support throughout the funding process. Your funding manager will be with you every step of the way to answer your questions and advocate for you.

Offers Tailored To Your Business

Compare loan offers from multiple lenders. With over 75+ lenders in our network, your funding manager will work with you to ensure you get the best rates and terms for your business.

How Our Loan Matching Process Works.

STEP
1

Fill out our simple application.

Answer just a few questions about your business to see which lending products you qualify for. We’ve partnered with over 75 lenders, allowing us to find the best option or your business.

STEP
2

We’ll connect you with a funding specialist.

One of our funding specialists will reach out to you to get to know your business better. Since every business is unique, we want to make sure we find the loan type that’s perfect for your needs.

STEP
3

Compare loan offers.

Compare different offers curated for your business. Select the capital amount and rate that will help take your business to the next level.

STEP
4

Get funded.

We work with lenders that can fund you fast. Once you’re approved, you’ll be able to access your capital in as little as 24 hours.

Types of Business Loans For Medical Equipment

Invoice Factoring or Revenue-Based Financing

Invoice factoring and revenue-based financing both use future revenue as collateral for a loan. Certain lenders we work with specialize in factoring specific to the medical industry, based on your insurance receivables.

TERM LENGTH

1-15 months
MAX LOAN AMOUNT

$50 million (factoring); $1 million (RBF)

Debt Financing

Debt financing is the ‘traditional’ business loan. Fixed monthly payments are made over a set period of time until the loan is paid in full. Borrowers can choose between SBA loans and term loans. SBA loans typically come with higher borrowing limits and lower interest rates, but can be harder to qualify for and take longer to process.

TERM LENGTH

6 months-25 years
MAX LOAN AMOUNT

$5 million

Line of Credit

A business line of credit is like a credit card, but it comes with a much higher borrowing limit, and there is a set amount of time in which a borrower may draw from the available funds. Account holders can use the funds to purchase medical equipment or any other business-related expense.

TERM LENGTH

6-24 months
MAX LOAN AMOUNT

Up to $250,000

Equipment Financing

Equipment financing or leasing can be used specifically for buying necessary medical equipment. When leasing, the equipment itself is used as collateral for the loan.

TERM LENGTH

1-5 years
MAX LOAN AMOUNT

$5 million

Additional Resources

Unexpected Ways to Use Equipment Financing

Purpose and Benefits of a Line of Credit

What is Invoice Factoring and is it a Good Idea?

FAQs

Medical equipment financing is when a loan is used to purchase medical equipment. Regular payments are made until the entire loan amount is paid off in full.

  

To apply for a small business loan through the Lendio platform, at minimum, businesses need to be at least six months old and have a monthly income of $8,000 or more. A minimum credit score of 600 is also required. 

Most business loan products can be used for any type of business-related expense. An equipment loan or lease can only be used for the designated equipment identified within the agreement.

By applying through an online marketplace, you are connected with a network of lenders through a single application. A funding manager will help you throughout the application process and help to match you with the best option for your business.

An SBA loan is insured by the U.S. government, but is processed and disbursed by private lenders. Because it is insured, it typically comes with lower interest rates and higher loan amounts. Standing for ‘Small Business Administration’, SBA loans are some of the most sought-after loans. However, they can be difficult to qualify for and slow to process, compared to other loan products.

There are three types of SBA loans: microloans, 504 loans, and 7(a) loans. Microloans go up to $50,000, and can be used for anything except purchasing real estate. The maximum term length for a microloan is six years. 504 loans go up to $50 million and offer 10-, 20-, and 25-year term lengths. They are intended for purchasing large equipment or real estate. The 7(a) also has a maximum loan amount of $5 million, but the term length varies depending on what you use the money for. If used to purchase equipment or for general working capital needs, the maximum repayment period is 10 years. For real estate, the maximum is 25 years.

8 out of 10 Lendio employees* or their families own a small business.

*based on 136 Lendio employees who responded to an internal poll

Quickly Compare Loan Offers from Multiple Lenders

Applying is free and won’t impact your credit

Talk to a rep at (855) 853-6346
Mon-Fri 7:30am-5pm MST