The Pinch Points
Why Orthopedic Practices Come to Us for Capital
The equipment is the revenue — but it’s a seven-figure buy a bank wants two years of audited statements to discuss, and the carrier won’t reimburse the cases it generates for two months. Our lenders read the practice’s collections. Sound familiar?
The Referral You Send Out
Without in-house MRI you refer every scan to the imaging center down the road — $400–$3,500 of revenue per study, walked out your door. A refurbished 1.5T runs $350K–$500K, and every month without it is scans you’re handing away.
Insurance Pays 60 Days After You Do
You perform the procedure, buy the implant, and pay the staff today — then wait 45–90 days for the carrier to reimburse. A $200K month can leave six figures sitting in unpaid claims while payroll’s due Friday.
The Arthroscopy Suite
Bringing scopes in-house means an arthroscopy tower at $120K–$160K plus the C-arm — a $250K+ build that converts referred-out surgeries into revenue you keep.
The Implant and Hardware Float
Implants, plates, and screws are bought per case and billed before the carrier pays — $20K–$50K in hardware floating the gap on a busy surgical month.
The Imaging Upgrade Cycle
Your scanner is a generation behind, scans slower, and the reads aren’t as clean — trading up is a $400K+ decision the manufacturer won’t structure around your reimbursement timeline.
Buying Into the Practice
A partner retires and the buy-in is on the table — a $400K–$1.5M practice buy-in or acquisition that’s the difference between employee and owner, and it won’t wait for you to save it up.
What an operator said
“Insurance had us waiting 70 days while payroll didn’t. The line against our receivables meant we stopped floating the practice off the owner’s savings — the money we’d already earned was finally usable.”
Dr. Reyes · orthopedic group · Phoenix, AZ
Start Here
See Your Range in 60 Seconds
No credit check, no documents to start, and an estimated funding range on the spot. No one contacts you until you’re ready to move forward.
What Happens When You Start
Estimate Your Capital Range
Slide to your annual gross revenue. We size capital off your top line — not your credit score.
Estimated Capital Range
A conservative range based on 10-15% of annual revenue — many businesses qualify for more with strong receivables or assets behind them. Lenders return real term sheets once they see your file.
60 seconds · No obligation · Estimate only
Built for the Trade
What We Fund for Orthopedic Practices
Equipment Financing for Imaging & OR
Equipment financing funds the MRI, arthroscopy tower, or C-arm with §179 write-off ahead of the down payment, sized on practice revenue.
A Line Against Insurance Receivables
A working line advances against your aging insurance claims, so money you’ve already earned isn’t stuck behind a 60-day reimbursement cycle.
Capital for the Implant Float
Working capital covers per-case hardware so a heavy surgical month doesn’t strain cash before the carrier pays.
Revenue-Based Acquisition Capital
Buy in, buy out a partner, or acquire a practice on revenue-based, capital-stacked financing — structured on the practice’s cash flow, not a years-long SBA queue.
Match Your Situation
The Funding Gaps We Close for Orthopedic Practices
Match your situation to the structure. Every one of these funds on your practice’s revenue and collections, not a perfect credit file.
| What It Looks Like | Funding Solution | Amount | Speed | |
|---|---|---|---|---|
| Banks want two years of audited financials | Revenue and bank-statement underwriting; collections count. | Equipment Financing | $75K–$5M+ | 3–7 days |
| Insurance reimbursement lags 60–90 days | A line advances against the receivables you’ve earned. | Business LOC | $75K–$5M+ | 1–5 days |
| Lenders hesitate on imaging-equipment resale | Approval on practice cash flow, not the magnet as collateral. | Equipment Financing | $75K–$5M+ | 3–7 days |
The Products
How Orthopedic Practice Financing Is Structured
Most orthopedic files fund between $75K and $5M+, structured to the imaging, surgical suite, or receivable gap in front of you. Larger lines available when revenue, cash flow, and story qualify.
| Amount | Term | Best For | Funding Speed | Typical Structure | |
|---|---|---|---|---|---|
| Equipment Financing | $75K–$5M+ | 2yr–7yr | MRI, arthroscopy tower, C-arm | 3–7 days | Device serves as collateral |
| Working Capital | $75K–$5M+ | 6mo–10yr | Implant float, payroll across the reimbursement gap | 1–3 days | Often unsecured, daily/weekly ACH |
| Business LOC | $75K–$5M+ | Revolving | Insurance-receivable timing, per-case spend | 1–5 days | Unsecured line, no PG by default |
| Invoice Factoring | $75K–$5M+ | Per invoice | Aging carrier and insurer receivables | 1–2 days | Receivables secure the line |
Tax Strategy
Section 179 on Orthopedic Imaging & OR Equipment — Worked
If last year was strong and you’re about to write a check to the IRS — stop. Acquire qualifying equipment with as little as 10% down, finance the rest, and write off the full purchase price in year one. Section 179 covers it up to the annual cap; 100% bonus depreciation — made permanent in 2025, with no cap and no income limit — carries the rest.
At the top bracket, that first-year deduction can return meaningful tax savings — and for an established business with strong cash flow, it’s the difference between writing a check to the IRS and putting the same money into your own equipment. Your CPA models the exact numbers for your bracket and structure.
Worked scenario · top bracket · illustrative
You financed the machine and put down a fraction of its price — but you deduct the full price in year one. The write-off is bigger than your down payment, and the equipment keeps working the whole time.
Scales with your numbers
Illustrative only. Actual savings depend on your tax bracket, entity type, state conformity, and CPA guidance. Section 179 and bonus depreciation are elections your CPA makes for your situation; above the Section 179 cap, 100% bonus depreciation carries the balance.
Terms reflect credit, revenue, time in business, and each lender. Every file is unique — see what the desk structures for yours in the 60-second qualifier.
Bobby’s Take
“Orthopedics is one of the few specialties where the equipment is the revenue — an in-house MRI and arthroscopy suite keeps the scans and the surgeries inside your walls instead of referred down the road. Run the full setup and you’re near $680K, the kind of buy a bank wants two years of audited statements to even discuss. Put a fraction down, finance the rest, and §179 writes off the full $680K the year it’s scanning and operating — far more deduction than you put down. Own the imaging, keep the referral, and let a first-year write-off cover part of the magnet.”
Bobby Friel · Founder · 20+ years in banking and finance
How It Works
From Application to Funded
One application, 70+ lenders competing, a dedicated specialist, and most files funded in days.
60-second estimate
Enter your numbers — no credit check, no documents. You see an estimated funding range on the spot.
A specialist is assigned
A real funding specialist — not an algorithm — reviews your file, usually within 24 hours.
70+ lenders compete
Your application goes to the marketplace. Competing offers typically land 24–48 hours later.
You pick the offer
Compare structures and terms with your advisor. No obligation until you choose to sign.
Funded in days
From same-day working capital to a multi-piece stack, most files fund in days — not the bank’s 60–90.
Underwriting
What Underwriting Looks At
Funding here leads with what your business actually does — your revenue and cash flow. The specialist desk reads the real picture from your statements, then matches it to the lenders most likely to fund it.
How you’re evaluated
Revenue-first
sized off your top line, not just your balance sheet.
Cash-flow driven
your bank statements show how the business really runs.
Bank-statement underwriting
even a down year is read off 4 months of statements.
Story-driven
a big new contract, a seasonal swing, a turnaround in progress: context the raw numbers miss counts too.
What to have ready
↳Had a loss year? It’s read off the bank statements — 4 months, not 6.
Start fast, finish complete
The operators who fund quickest come to the specialist review with these ready — but you don’t need all of it to start. Your signed application and bank statements are what unblock the review; the rest can follow as trailing docs. Real term sheets come once the lenders can see a true business overview, so the move is simple: get the application and statements in right away, and don’t let a missing tax return hold up your term sheets.
Credit, straight
Qualification
Who Gets Funded — and Who’s Not Ready Yet
A straight read saves everyone time — here’s the line between an orthopedics file that funds and one that isn’t ready yet.
↳Time in business is a factor, not a gate — newer crews with strong revenue still qualify.
Not ready yet isn’t a no — it’s a checklist. Most of it is fixable in a quarter or two, and your advisor will tell you straight which gaps to fix before a file goes in.
The Operator's Guide
Orthopedic Practice & Surgical Financing
An Imaging-and-OR Business
Orthopedics lives on equipment that pays for itself — an in-house MRI keeps the scan and the referral inside your walls, and an arthroscopy suite turns referred-out surgeries into revenue you keep. But it’s six- and seven-figure capital, and the carrier reimburses the cases it generates 45–90 days after you’ve done them. We fund the imaging and the OR on the practice’s collections, and a working line advances against the claims you’ve already earned so payroll never floats off the owner’s savings.
One Application, 70+ Lenders
Whether it’s equipment financing for the MRI and C-arm, a line against your aging insurance receivables, or revenue-based capital to buy into the practice, we connect you with 70+ lenders who fund medical practices every week. Working capital, lines of credit, equipment financing, and receivables advances — $75K to $5M+, on your revenue, with §179 writing off qualifying equipment the year it’s placed in service. One application, soft-pull review to start.
Common Questions
Orthopedics Financing — Questions, Answered
Yes — underwriting is on the practice’s collections and cash flow, not the scanner as collateral.
Yes — a working line advances against aging receivables so earned revenue isn’t trapped behind the reimbursement cycle.
A qualifying setup placed in service can generally be written off the year it’s working — often far more deduction than the down payment. Your CPA models it against your bracket.
A signed application plus four months of bank statements, a P&L, a balance sheet, and two years of returns. If recent years show losses, the specialist desk can underwrite on four months of bank statements.
Yes — buy-ins and acquisitions are structured revenue-based and capital-stacked on the practice’s cash flow, which moves far faster than an SBA 7(a) queue.
Recommended Funding
The Products That Fit Orthopedics Work
Equipment Financing →
Finance the MRI, arthroscopy tower, and C-arm — §179 write-off included.
Working Capital Loans →
Cover the implant float and payroll across the insurance reimbursement gap.
Business Line of Credit →
Draw against the timing gap while carriers reimburse, repay as claims pay.
Invoice Factoring →
Advance against aging insurer receivables instead of waiting 60–90 days.
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