Orthopedic practices require the most expensive equipment in medicine — MRI machines, surgical suites, and imaging systems that cost $500K+. Between capital equipment, physical therapy integration, and the slow grind of insurance authorization — orthopedic practices need serious funding from lenders who understand surgical practices.
This Is Why You're Here
Your in-office MRI is 12 years old and breaking down monthly. A new open MRI is $350K. Referring patients out costs you $3K-$5K/month in lost imaging revenue.
You're expanding into sports medicine and need $180K for a rehab suite — equipment, build-out, and hiring a physical therapist. The revenue justifies it but the upfront cost is steep.
A 3-surgeon orthopedic group in your market is dissolving. You can acquire their patient panel and equipment for $2.2M. Your bank says 60-90 days for SBA.
Your surgical implant vendor just switched to prepay-only after a billing dispute. You've got 12 joint replacements scheduled this month and need $65K in implant inventory upfront or you cancel the surgeries.
Workers' comp cases are 40% of your revenue but reimbursements take 90-120 days. You need $80K to cover the gap because your surgical staff's payroll doesn't wait for the comp carrier to cut a check.
Our MRI was 12 years old and costing us $5K a month in referrals we had to send out. Basecamp got us $350K for a new open MRI — equipment as collateral, funded in a week.
Dr. James W., Orthopedic Surgeon, Nashville, TN
Orthopedics Financing
Slide the calculator to see your estimated approval range. Then answer 3 quick questions to lock it in. No documents needed. No credit impact.
Built for Your Business
MRI machines, C-arms, fluoroscopy units — $200K to $2M. Banks take months. We close in a week with the equipment as collateral. Stop referring out imaging revenue.
An in-office procedure room costs $300K-$500K. Build-out, sterilization, equipment. We package it into one loan instead of making you apply three times.
Adding PT or rehab services means equipment, hiring, and build-out — $100K-$200K before the first patient walks in. We fund the ramp so you capture that revenue in-house.
Insurance authorization for ortho procedures takes weeks. Your cash flow suffers while you wait. A credit line bridges the gap between scheduling and reimbursement.
What You're Up Against
| Challenge | What It Looks Like | Funding Solution | Amount | Speed |
|---|---|---|---|---|
| Arthroscopy tower upgrade | HD camera, shaver system, and scope set for knee/shoulder | Equipment Financing | $80K–$200K | 5–10 days |
| MRI lease | In-office 1.5T MRI eliminates referrals and speeds diagnosis | Equipment Financing | $200K–$500K | 5–10 days |
| Surgeon partner buy-in | New partner acquiring equity in established orthopedic group | SBA Loans | $200K–$500K | 30–60 days |
| DME inventory | Braces, boots, slings — keeping $50K in DME stock for same-day fitting | Working Capital | $25K–$60K | 1–3 days |
| Physical therapy wing | Adding on-site PT increases post-surgical revenue 40% | SBA Loans | $100K–$300K | 30–60 days |
Pricing Transparency
| Product | Amount | Term | Rate | Speed |
|---|---|---|---|---|
| Working Capital | $10K–$2M | 6mo-5yr | 8-18% APR | 1-3 days |
| Equipment Financing | $10K–$5M | 2-10yr | 5-12% APR | 3-7 days |
| Business LOC | $10K–$5M | Revolving | 8-22% APR | 1-5 days |
| SBA Loans | $50K–$5M | 10-25yr | 6-10% APR | 3-6 weeks |
| Term Loans | $50K–$5M | 1-5yr | 7-15% APR | 1-5 days |
Rates vary by credit, revenue, and time in business. These are typical ranges.
These are industry averages. Your actual rate depends on your revenue, credit profile, and time in business — it could be lower. Run your specific numbers in 30 seconds.
Calculate Your Real Cost →Tax Strategy
| Equipment | Cost | Tax Rate | Deduction | Tax Savings | Net Cost |
|---|---|---|---|---|---|
| Arthroscopy tower | $145,000 | 40% | $145,000 | $58,000 | $87,000 |
| MRI system | $350,000 | 40% | $350,000 | $140,000 | $210,000 |
| Fluoroscopy unit | $85,000 | 40% | $85,000 | $34,000 | $51,000 |
Finance the equipment. Keep your cash. Take the deduction. Your mri system costs $210,000 after taxes and you never touched your reserves.
— Bobby Friel, Basecamp Funding - Founder
How It Works
No paperwork avalanche. No bank lobby. No guessing.
Answer a few quick questions about your business. No documents needed yet.
We check your options with zero impact on your FICO. Your score stays untouched.
Your profile is matched to 70+ lending partners. They compete - you never hear from them directly.
Your funding specialist presents your best options. No spam calls. No runaround.
Choose the rate and terms that fit. Sign digitally. Funds hit your account - same day available.
Orthopedics Capital Uses
Buy an existing practice. Dental, medical, vet, chiropractic. SBA loans with 10% down available.
Lasers, imaging machines, dental chairs, surgical tools. Equipment financing with the device as collateral.
Cover payroll during reimbursement delays. Hire hygienists, techs, front desk staff. Retain your best people.
New exam rooms, waiting room remodel, second location buildout. Create the space your patients deserve.
Electronic health records, practice management, telehealth platforms, patient portals.
Google Ads, patient acquisition, website redesign, reputation management. Fill your schedule.
Full Transparency
Most lenders won't tell you this upfront. We will.
Need commercial insurance for your orthopedics business?
Practice insurance — malpractice, general liability, property — is required before most equipment financing closes. InsuranceService365.com covers healthcare practices across 29 states.
68% of loan denials happen because of weak financials at time of application. The best time to apply is when your business is performing — not when you're scrambling.
Ready?
Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.
Click any specialty for tailored financing options.
Recommended Products
Bridge insurance reimbursement delays. Funded in 24 hours.
Learn More →Finance imaging, chairs, and medical devices — asset-backed rates.
Learn More →Practice acquisition, buildout, and expansion at government-backed rates.
Learn More →Revolving access for supplies, staffing, and operational expenses.
Learn More →FAQs
Ortho is the heaviest capital specialty in medicine. An MRI machine runs $350K. A surgical suite build-out is $500K+. And every month you're referring imaging patients out, that's $3K-$5K walking to a competitor. I talk to ortho groups every month who know exactly what equipment they need but can't get their bank to move fast enough.
Look. A 12-year-old MRI that breaks down monthly is costing you more than a new one. We financed a $350K open MRI for a group in Nashville — machine as collateral, funded in a week. They stopped sending patients down the street the day it installed. And if you're adding sports medicine or PT services? That $180K expansion pays back in 6 months. One application. We'll have offers in hours.
60 seconds. No credit impact. No obligation.
See What You Qualify For →No hard credit pull · Free to check · Nationwide