Financing for Medical & Healthcare Professionals
Whether you’re opening a new practice, expanding your clinic, or upgrading diagnostic technology, Commerce Capital provides fast, flexible financing so you can invest in the equipment your patients depend on — without draining your capital.
Medical Equipment We Finance
From exam tables to imaging systems — if it helps you deliver better patient care, we can finance it.
Healthcare Practices We Work With
We provide financing across the full spectrum of healthcare — from solo practitioners to multi-location clinics.
Why Healthcare Providers Choose Us
We Understand Healthcare
Medical equipment is among the most expensive capital investment any practice makes. We understand the revenue cycle of healthcare businesses, the cost of staying current with technology, and how to structure deals that align with your practice’s cash flow.
Same-Day Credit Decisions
When the right piece of equipment becomes available or a patient need demands it, you can’t wait weeks for bank approval. We deliver credit decisions the same day — often within hours.
Competitive Rates & Terms
We shop your deal across multiple financing sources to find the most competitive rate and structure — so you get the best deal, not just the first offer.
Bundle Your Entire Project
Finance equipment, software, installation, training, and service contracts under one agreement with one monthly payment. This is especially valuable for imaging systems, dental operatories, and full practice buildouts.
New Practices & Startups Welcome
Opening your first practice? We have startup financing programs designed for new healthcare providers. Strong credentials, industry experience, and a solid business plan go a long way — even without years of operating history.
A Dedicated Point of Contact
You’ll work with one person from start to finish — not a call center. We know your name, your practice, and your equipment. That’s how it should be.
Get Financed in 4 Easy Steps
Get Your Quote
Get a formal quote from the equipment manufacturer, dealer, or distributor — including software, install, and service if applicable.
Apply Online
Fill out our simple one-page application — it takes about 5 minutes.
Get Approved
We find the most competitive financing option for your deal and present you with the best terms.
Equip Your Practice
Sign electronically, the vendor gets paid directly, and your equipment ships or gets installed.
Trusted by Healthcare Providers
“We were opening a second location and needed to equip the entire office — imaging, operatory chairs, sterilization, everything. Commerce Capital bundled it all into one deal and made the process incredibly easy.”
Medical Equipment Financing FAQ
Yes. We regularly finance full practice buildouts — bundling equipment, software, installation, training, and service agreements into one deal with a single monthly payment. This is very common for new dental offices, medical practices, and veterinary clinics setting up from scratch.
Yes. We finance both new and used equipment. Certified refurbished medical and dental equipment from reputable dealers is a great way to save on cost while still getting reliable, high-quality technology.
Yes. We offer startup programs for new healthcare practices. Strong personal credit, professional credentials (DDS, DMD, MD, DO, DVM, DC, etc.), and a clear business plan strengthen your application. A down payment of 10–20% may be required.
We work across the full credit spectrum. Healthcare professionals typically have strong credit profiles, but even if yours isn’t perfect, we can often find a path to approval. Reach out and we’ll give you an honest assessment.
Most credit decisions come back the same day — often within a few hours. Once approved, documents are sent for electronic signature and funding typically happens within 24–48 hours of receiving signed docs.
For most deals, no. We offer application-only programs — just a one-page credit app and your equipment quote. Larger deals or certain credit situations may require additional documentation.
In most cases, yes. Under Section 179, you may be able to deduct the full purchase price of qualifying equipment in the year it’s placed in service — even if you finance it. The 2025 deduction limit is $2,500,000. Consult your tax advisor for details specific to your practice.
If you anticipate upgrading to newer imaging technology within a few years, a Fair Market Value (FMV) lease offers the lowest monthly payments and the flexibility to return or upgrade the equipment at the end of the term. For equipment with a long useful life — like exam tables, operatory chairs, or surgical tools — a $1 buyout is usually the better fit.
Ready to Equip Your Practice?
Whether you’re upgrading your imaging suite, outfitting a new operatory, or opening your first practice, Commerce Capital makes medical equipment financing fast, easy, and affordable.