Equipment financing for medical, dental, and veterinary practices. Programs for every credit tier.

What this looks like in practice

In January 2026, three optometrists running a successful New York practice (we'll call them Northeast Eye Associates) came to us with a vision. They'd developed a new contact lens they believed would change the industry, and they were tired of waiting on slow, unreliable suppliers. They wanted to vertically integrate — start their own LLC to manufacture the lenses for their own practice and offer the service to other optometrists.

The equipment: two specialized contact-lens lathes. The deal: $1 million.

Their local bank wouldn't even open the file. To a generalist lender this looked like every reason to decline:

• A brand-new LLC with no operating history
• Highly specialized equipment with limited resale market
• Multiple board members brand new to the manufacturing company
• The owners wanted to offer only one or two personal guarantors — not every member of the new company, which is non-standard for a startup file

We read the file differently. The optometrists weren't speculators — they had a profitable existing practice with clean credit and a real strategic reason for vertically integrating. The thin-resale concern on the lathes was real, but it was offset by the strength of their primary business.

We structured the deal using a cross-corporate guarantee from the existing optometry practice. That gave us a strong secondary obligor without forcing every new member of the manufacturing company to personally guarantee. We worked the file through a specialty program built for complex structures like this, and got them approved with strong terms.

They closed in January. The new manufacturing company is up and running.

Three optometrists. $1 million in specialized manufacturing equipment. A deal the local bank refused to look at. We knew how to read the file and structure it. That's the difference between an experienced equipment-finance company and a generalist bank.

Who we fund

• New dental practices — chairs, imaging, intraoral, panoramic, sterilization
• Chiropractic & PT — adjustment tables, therapy lasers, traction
• Veterinary clinics — surgical, imaging, lab, kennels (huge growth segment)
• Aesthetic / med spa — lasers, body contouring, IPL
• Mobile imaging — vehicle and equipment combined financing
• Optometry, audiology, dermatology — practice-specific equipment lists

Frequently asked

Can I finance equipment for a startup practice? Yes, if you qualify. We have programs for new dental, veterinary, and medical practices with strong personal credit and a meaningful down payment.

Do you finance practice acquisitions? Talk to us. Practice acquisitions often combine equipment financing with SBA or working-capital lending — we can structure the equipment side.

How fast can you finance a deal? Often 3 to 5 business days. Can be sooner or take longer depending on how quickly insurance can be obtained.

Is there a maximum deal size? No upper limit with full financials. App-only programs typically up to $250,000.