Medical, Dental & Med Spa Equipment Loans in California: What Practices Should Know
Healthcare equipment is expensive and it gets outdated fast. A new imaging unit, dental chair, or aesthetic laser can cost more than a year of profit for a small practice. Financing lets the equipment start earning before it's fully paid for.
Common practice purchases we see
- Digital X-ray, CBCT, and ultrasound units
- Dental chairs, operatory packages, and intraoral scanners
- Lasers and aesthetic devices for med spas
- Physical therapy and chiropractic equipment
- Office build-outs and tenant improvements
Loan or lease?
Equipment financing is available as a loan (you own it) or a lease (often lower payments, with an option to upgrade). Programs we place go up to $1M total with terms up to 84 months. Leasing can make sense for technology you expect to replace in a few years.
Insurance reimbursements and cash flow
Many practices are profitable on paper but wait 30 to 90 days for insurance payments. A business line of credit can cover payroll and supplies while claims are processed, so you don't have to pay for equipment out of that same cash.
Buying or expanding a practice
For buying a practice, buying your building, or a major expansion, SBA loans are often the better fit because of longer terms. See how SBA underwriting works.
What to have ready
- An equipment quote or invoice from the vendor
- Recent business bank statements
- Business tax returns for larger requests
- Professional license information
More options are on our healthcare financing page.
Talk through your practice's equipment →
Examples in this article are illustrative, not quotes or offers. Every loan, lease, and advance is subject to the capital provider's underwriting and approval. California Business Capital is compensated by the capital provider only when financing funds. We do not charge a separate client fee for arranging financing. Lender origination charges, interest, closing costs, and other third-party expenses may still apply and are separate from our compensation. Review the applicable financing agreements and disclosures for the costs and terms of your transaction.
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