By Mark J. Kane | Founder & CEO, Sunwise Capital | Forbes Finance Council Member 30+ years in business finance · 86,000+ businesses trust us · Boca Raton, FL Key Takeaways Healthcare equipment financing with no collateral uses the equipment itself as the security interest — no real estate pledge, no down payment required for qualified practices. Medical practices, dental offices, imaging centers, physical therapy clinics, and veterinary practices all qualify — the equipment secures the loan regardless of the healthcare specialty. Sunwise Capital, a NEFA member, structures healthcare equipment deals from $10,000 to $30 million with same-day-to-next-business-day funding for established practices. Practices with 2+ years of operation, $15,000+/month in revenue, and 580+ credit score are eligible — the best terms go to practices with $750K+ in annual revenue and 680+ credit score. Healthcare practices carry a specific financial tension that most other businesses don’t: the equipment they need to deliver care is expensive, highly specialized, and directly tied to revenue generation — but the reimbursement cycle is slow, the billing process is complex, and the last thing a physician, dentist, or therapist wants to do is pledge their home to finance a diagnostic machine. Healthcare equipment financing with no collateral removes that tension. The equipment itself is the collateral. No personal real estate. No business assets beyond the instrument being financed. A medical practice can acquire a CT scanner, a dental CBCT unit, a therapy laser, or a full exam room buildout without pledging anything outside the transaction. According to Investopedia’s equipment financing overview, this structure is specifically designed for asset-intensive businesses where the financed item directly generates the revenue to repay it — which describes virtually every piece of clinical equipment in a working practice. Table of Contents Toggle How no-collateral healthcare equipment financing worksWhat healthcare equipment qualifiesHealthcare equipment financing vs. practice loansFind out what your practice qualifies for.Qualification criteria for healthcare equipment financingFrequently asked questionsWhat does "no collateral" mean in healthcare equipment financing?What types of healthcare practices qualify?Can I finance refurbished or used medical equipment?How fast can a healthcare practice get funded?Does my practice's insurance reimbursement model affect approval?What is the $500 Rate Match Guarantee?Can I finance multiple pieces of equipment in one transaction?The bottom lineYour practice qualified for capital. Find out how much.About the Author How no-collateral healthcare equipment financing works The lender holds a security interest in the specific equipment being financed — a UCC filing against that asset. No blanket lien on your practice’s other assets. No real estate mortgage. No personal property pledge beyond the standard personal guarantee that applies to most business financing. You take delivery of the equipment, put it to work generating revenue, and repay over a 12–72 month term. “Equipment is one of the smartest ways to deploy borrowed capital because the asset itself generates the revenue to repay the loan. We can structure equipment deals up to $30 million for companies across construction, healthcare, and transportation — often with no down payment required.” Mark J. Kane, Founder & CEO of Sunwise Capital and Forbes Finance Council member, has structured equipment financing for healthcare practices across dentistry, imaging, physical therapy, ophthalmology, veterinary medicine, and surgical specialties. Since 2010, Sunwise Capital — a NEFA member — has worked with over 86,000 businesses including hundreds of healthcare operators who needed capital for clinical equipment without the collateral requirements that come with traditional bank financing. What healthcare equipment qualifies Any commercially available clinical or practice-management equipment qualifies: diagnostic imaging (X-ray, MRI, CT, ultrasound, CBCT), dental chairs and delivery systems, surgical equipment, therapy devices (lasers, PEMF, cryotherapy), EMR and practice management software systems, sterilization equipment, exam room buildouts, laboratory equipment, and veterinary diagnostic tools. New and certified-refurbished equipment both qualify. Healthcare equipment financing vs. practice loans Factor Equipment Financing Practice Working Capital Loan Collateral Equipment only (UCC on asset) UCC-1 on business assets Down payment None required None required Use of funds Specific equipment purchase Any business purpose Maximum amount Up to $30 million Up to $2 million Term 12–72 months 3–24 months Ownership at end Full ownership, no buyout N/A — general purpose Funding speed Same to next business day Same day (as fast as 4 hours) Sunwise Capital Find out what your practice qualifies for. No commitment. No impact to your credit score until you accept an offer. See My Funding Options → Soft check only · 2 minutes · No obligation Qualification criteria for healthcare equipment financing Factor Minimum Sweet Spot Time in Practice 2 years 5+ years Monthly Revenue $15,000/month $60,000+/month ($750K+ annual) Credit Score 580 680+ Real Estate Collateral Not required Not required Equipment Amount $10,000 Up to $30 million The application takes 2 minutes at Sunwise Capital’s funding qualifier. You’ll need 3 months of business bank statements and a vendor quote or invoice for the equipment. No tax returns upfront. No business plan. According to SCORE’s financial planning resources, preserving working capital while acquiring revenue-generating assets is one of the highest-leverage financial decisions a practice owner can make — and equipment financing is the structure that makes it possible. Healthcare equipment financing lets medical practices acquire clinical equipment without pledging real estate or additional collateral. Frequently asked questions What does “no collateral” mean in healthcare equipment financing? It means no real estate pledge, no lien on your existing business assets beyond the equipment being purchased. The lender files a UCC against the specific piece of equipment being financed — that’s the security interest. Your practice’s other assets, your personal real estate, and your other equipment are not encumbered by the transaction. What types of healthcare practices qualify? Medical practices across all specialties, dental and orthodontic offices, imaging centers, physical and occupational therapy clinics, chiropractic offices, ophthalmology and optometry practices, veterinary clinics and hospitals, mental health practices, and surgical centers. Sunwise Capital serves 700+ industries with no blanket healthcare specialty restrictions. Can I finance refurbished or used medical equipment? Yes. Certified-refurbished and used medical equipment qualifies for financing at Sunwise Capital. The equipment needs to be in functional condition and documented with a vendor invoice or bill of sale. Refurbished diagnostic imaging equipment — which can cost 40–60% less than new — is a common use case. How fast can a healthcare practice get funded? Equipment financing applications with complete documentation — 3 months of bank statements and an equipment quote — typically fund within one to two business days. For practices that also need working capital (separate from the equipment purchase), same-day funding is available in as little as 4 hours. Does my practice’s insurance reimbursement model affect approval? No. Sunwise Capital underwrites on total monthly revenue deposited into the business bank account — regardless of whether revenue comes from insurance reimbursements, self-pay, or a mix. The reimbursement lag that affects healthcare cash flow is visible in the deposit history and evaluated in full context, not penalized. What is the $500 Rate Match Guarantee? If you receive a comparable equipment financing offer from another reputable lender with better terms, bring it to Sunwise Capital. Sunwise will either beat the offer or pay $500. It’s a commitment to competitive pricing that applies to every healthcare equipment deal. Can I finance multiple pieces of equipment in one transaction? Yes. A full clinic buildout — multiple exam rooms, diagnostic equipment, sterilization systems, and practice management technology — can be structured as a single equipment financing facility. Sunwise Capital finances bundled equipment packages up to $30 million for qualified healthcare operators. Explore healthcare practice equipment financing at Sunwise Capital. The bottom line The equipment a healthcare practice needs to grow shouldn’t require pledging the assets it took years to build. Equipment financing isolates the transaction — the equipment secures the loan, working capital stays in the practice, and the clinical asset repays itself through the revenue it generates. Since 2010, Mark J. Kane and the Sunwise Capital team have helped over 86,000 businesses — including medical practices, dental offices, imaging centers, and veterinary clinics — access equipment financing without real estate collateral or down payment requirements. NEFA member. Approval in minutes. Funding in as little as one to two business days. See your funding options in 2 minutes — no commitment, no hard credit pull. What business owners say about Sunwise Capital Trustpilot Find. Fund. Fuel. Your practice qualified for capital.Find out how much. See your funding options in 2 minutes. No commitment. No impact to your credit until you accept an offer. Since 2010, over 86,000 businesses have trusted Sunwise Capital. See My Funding Options → ⭐ 4.9/5 Trustpilot · Forbes Finance Council Member · NEFA & AACFB Member · Funding in as little as 4 hours About the Author Mark J. Kane is the Founder and CEO of Sunwise Capital, a small business lending company based in Boca Raton, Florida. With more than 30 years of experience in business finance and executive leadership, Mark has helped business owners access the capital they need to grow, adapt, and compete. Before founding Sunwise Capital, Mark held senior leadership roles across capital markets, securities, healthcare, and internet finance. His background includes building high-growth financial platforms, expanding investment banking operations nationwide, training thousands of sales professionals, and scaling ventures from startup stage to multimillion-dollar revenue. Mark holds a B.S. in Psychology from the University of Massachusetts Amherst and a Master’s Degree from the University of Chicago. Through Sunwise Capital, Mark and his team have helped more than 86,000 businesses pursue funding solutions designed to support growth, cash flow, equipment purchases, and long-term success. Ready to apply? See your funding options in minutes at Sunwise Capital.
