Table of contents
We analyzed companies that actively offer medical equipment financing, using a weighted algorithm based on the criteria that practice owners rely on most. The highest-scoring companies proved their value at the point when practice owners feel the most pressure: securing capital for equipment that keeps patient care running.
Ranking Algorithm
- Financing range (30%): Upper and lower funding limits available for medical equipment purchases
- Healthcare expertise (25%): Specialization in medical and dental practice financing needs
- Application simplicity (20%): Process ease from initial submission through approval
- Funding speed (15%): Time between approval and capital receipt
- Customer satisfaction (10%): Scores from verified third-party review platforms
Top Medical Equipment Financing Companies Compared
| Rank | Company | Financing Range | Healthcare Expertise | Application Simplicity | Funding Speed | Customer Satisfaction |
|---|---|---|---|---|---|---|
| 1 | National Business Capital | Up to $15M | Yes | Advisor-guided | 2–8 weeks | 5.0 ⭐ |
| 2 | Credibly | Up to $600K | Yes | Online | 4 hours | 4.8 ⭐ |
| 3 | BHG Financial | $500K+ | Yes | Online + Advisor | 1–5 days | 4.9 ⭐ |
| 4 | National Funding | Varies | Yes | Online + Advisor | 24–48 hours | 4.0 ⭐ |
| 5 | SBG Funding | Up to $5M | No | Online | 1–3 days | 4.9 ⭐ |
| 6 | Crest Capital | Up to $500K | No | Online | Same day | 4.82 ⭐ |
| 7 | Kapitus | Up to $500K | No | Online | 24 hours | 4.5 ⭐ |
| 8 | OnDeck | Up to $250K | No | Online + Advisor | Same day | 4.7 ⭐ |
Top Medical Equipment Financing Companies: Descriptions & Reviews
1. National Business Capital
National Business Capital is a direct lender that specializes in funding business needs, including medical equipment financing. With dedicated Business Finance Advisors who walk clients through their options clearly, equipment financing reaches as high as $15 million, backed by 18 years of experience and $3 billion deployed. Qualifying businesses need at least 1 year in operation, $500,000 in annual revenue, and a FICO score of 600+.
- Financing range: $250,000 to $15 million
- Healthcare expertise: 18 years serving medical and specialty practices
- Application simplicity: Simple, user-friendly application with fast response time
- Funding speed: 2 to 8 weeks
- Customer satisfaction: 5.0 Trustpilot, 2,756+ reviews
Customer Review Summary
Practice owners consistently praise National Business Capital's "seamless, advisor-driven experience" and "smooth, fast process from application to funding." Common feedback includes appreciation for "expert Business Finance Advisors" who guide the process without pressure.
2. Credibly
Credibly delivers approvals in as little as two hours and funding in as little as four hours, making it one of the fastest options for healthcare providers. Its standard equipment program reaches $600,000, with long-term healthcare loans extending to $10 million. Credibly accepts credit scores as low as 550 and has financed more than 55,000 businesses nationwide.
- Financing range: Up to $600K standard; up to $10M long-term
- Healthcare expertise: Dedicated medical equipment financing programs
- Application simplicity: Online pre-qualification in minutes
- Funding speed: As little as 4 hours
- Customer satisfaction: 4.8 Trustpilot, 2,700+ reviews
Customer Review Summary
Healthcare borrowers consistently praise Credibly's "no-pressure approach" and "completely transparent terms." Common feedback includes appreciation for the "fast approval without false promises."
3. BHG Financial
BHG Financial was founded on healthcare lending as Bankers Healthcare Group, serving medical professionals before expanding into broader business financing. Its products and advisor training reflect that heritage, designed around the revenue cycles common in medical practices. BHG has funded $28 billion across 257,000+ customers.
- Financing range: $500K+ business and practice loans
- Healthcare expertise: Purpose-built for medical and healthcare professionals
- Application simplicity: Quick digital application with fast approval decision
- Funding speed: 1 to 5 business days
- Customer satisfaction: 5,000+ Trustpilot reviews, $28B+ funded
Customer Review Summary
Borrowers consistently praise BHG Financial for its "tailored guidance and clear communication throughout." Common feedback includes appreciation for the "effortless financing process."
4. National Funding
National Funding has deployed more than $4.5 billion to over 75,000 businesses and serves medical practices through a dedicated equipment financing program with both loan and lease options. Its six-month minimum time-in-business requirement opens access to newer practices, and Funding Specialists guide owners through decisions based on equipment lifecycle and Section 179 tax advantages.
- Financing range: Varies by equipment and business profile
- Healthcare expertise: Dedicated medical practice financing team
- Application simplicity: Minimal paperwork, no-obligation application
- Funding speed: 24 to 48 hours
- Customer satisfaction: 4.0 Trustpilot, 2,158 reviews
Customer Review Summary
Customers consistently praise National Funding's "personalized service from dedicated Funding Specialists." Common feedback includes appreciation for the "quick, low-paperwork application" that fits the pace of busy medical practices.
5. SBG Funding
SBG Funding structures equipment financing with terms of 1 to 10 years, rates starting at 1.75% per month, and no prepayment penalties. It finances up to 100% of the equipment's value and often makes same-day approval decisions. Its 4.9 Trustpilot score, based on 4,600+ reviews, reflects strong repeat-borrower satisfaction across industries, including healthcare. Eligible businesses need a minimum credit score of 550 to apply.
- Financing range: Up to $5M
- Healthcare expertise: General small business lender with medical equipment eligibility
- Application simplicity: Fast online application with same-day decision
- Funding speed: 1 to 3 business days
- Customer satisfaction: 4.9 Trustpilot, 4,600+ reviews
Customer Review Summary
Borrowers consistently praise SBG Funding's "competitive rates and transparent terms." Common feedback highlights appreciation for the "fast approval process and zero prepayment penalties."
6. Crest Capital
Crest Capital has specialized in equipment financing since 1989, approving amounts up to $250,000 without requiring tax returns and covering 100% of equipment costs, including soft expenses. It holds an A+ BBB rating and a 4.82-star customer rating, with recognition from major financial media outlets as a leading small-business equipment financing source.
- Financing range: Up to $500K
- Healthcare expertise: Medical and clinical equipment financing available
- Application simplicity: No tax returns required up to $250K; same-day decisions
- Funding speed: Same day
- Customer satisfaction: 4.82 stars, A+ BBB
Customer Review Summary
Business owners consistently praise Crest Capital's "no-hassle application and same-day decision process." Common feedback includes appreciation for "100% financing without the documentation demands of traditional banks."
7. Kapitus
Kapitus offers equipment financing up to $500,000 with terms extending to 72 months and approvals in as little as 24 hours. Its minimum credit score of 525 expands access for practices with non-traditional credit profiles, and its digital application requires minimal documentation to get started.
- Financing range: Up to $500K
- Healthcare expertise: General small business financing, medical equipment eligible
- Application simplicity: Minimal documentation, fast digital application
- Funding speed: 24 hours
- Customer satisfaction: 4.5 Trustpilot, ~793 reviews
Customer Review Summary
Borrowers consistently praise Kapitus's "fast, smooth, and stress-free financing process." Common feedback highlights appreciation for the "professional and efficient team."
8. OnDeck
OnDeck delivers equipment financing with same-day approvals, backed by loan advisors available throughout the process. WSJ's Buy Side awarded it a five-star rating for fast funding and flexible eligibility. It requires a minimum FICO score of 625 and at least 1 year in business, with loan amounts up to $250,000.
- Financing range: Up to $250K
- Healthcare expertise: General small business lender, medical equipment eligible
- Application simplicity: Simple online application with advisor support
- Funding speed: Same day
- Customer satisfaction: 4.7 Trustpilot, 5,600+ reviews
Customer Review Summary
Small business owners consistently praise OnDeck's "fast approval and clear, accessible application process." Common feedback includes appreciation for "knowledgeable loan advisors."
Best for High-Value Medical Equipment Financing
Practice owners acquiring high-cost medical systems benefit most from lenders that support larger deal sizes. The table below ranks top performers by financing capacity.
| Rank | Company |
|---|---|
| 1 | National Business Capital |
| 2 | SBG Funding |
| 3 | BHG Financial |
| 4 | Kapitus |
Best for Healthcare-Specialized Lenders
These lenders built their products and advisor training specifically around medical practice financing. The table below ranks the top performers by the depth of their healthcare specialization.
Request a Copy of This Report
Contact our research team directly to receive this complete 2026 Medical Equipment Financing report in PDF format.
ABOUT THE AUTHOR
With over a decade in business lending, Josh leads National Business Capital’s advisor team as EVP of Finance. Having personally structured thousands of funding arrangements, he simplifies the lending journey and guides clients through approvals, capital stacks, funding timelines, and the key questions to ask before signing.
