Top 10 Medical Devices Clinics Finance First (2025 Data)
Top 10 Medical Devices Clinics Finance First
Medical clinics are upgrading faster than ever in 2025 — not because equipment fails, but because technology moves quickly and patient expectations evolve. Most practices aren’t paying $10k–$250k upfront. They’re using equipment finance and low doc asset finance to stay competitive without draining cash reserves.
This guide lists the top 10 devices Australian clinics finance first, based on real lender data, purchase patterns and common fitout scenarios from GP, dental, physio, podiatry and allied health practices.
Top 10 Medical Devices Clinics Finance First (2025)
| Device Type | Typical Cost | Common Loan Structure |
|---|---|---|
| 1. Ultrasound Machines | $25,000–$90,000 | Equipment Finance |
| 2. OPG / CBCT Imaging (Dental) | $80,000–$180,000 | Low Doc or Full Doc |
| 3. Autoclaves & Sterilisation Units | $6,000–$25,000 | Equipment Finance |
| 4. Diagnostic ECG & Cardio Devices | $3,000–$15,000 | Low Doc |
| 5. Dental Chairs & Treatment Packages | $15,000–$60,000 | Equipment Finance |
| 6. Physio Shockwave & Laser Therapy | $8,000–$45,000 | Low Doc |
| 7. Derm & Cosmetic Devices (Laser/IPL) | $40,000–$120,000 | Low Doc / LOC |
| 8. Rehab & Strength Equipment | $4,000–$30,000 | Equipment Finance |
| 9. Podiatry Chairs & Treatment Units | $10,000–$35,000 | Low Doc |
| 10. Practice Management IT Systems | $5,000–$30,000 | Working Capital |
Many of these devices integrate into larger refurbishment projects. For full fitout guidance, see: Medical Fitout Finance 2025.
Why Clinics Finance These Devices Instead of Paying Cash
The most common reasons include:
- Cash flow protection – preserve funds for wages, consumables, marketing.
- Low doc approvals – no need for full tax returns in many cases.
- Fast installation – clinics can't delay patient services.
- ATO deductions – equipment depreciation rules benefit clinics.
Which Loan Type Fits Each Device?
Most equipment falls under Equipment Finance, but some situations call for alternatives:
- High-cost devices → may require full doc or lender review
- Consumables-heavy devices → pair with Invoice Finance
- Multi-stage upgrades → ideal for Business Line of Credit
- Soft costs (installation/setup) → use Working Capital Loans
For expansion planning, see: How Doctors Use Low Doc Loans to Expand a Clinic.
Adding Cosmetic Devices? Read This First.
Many clinics add aesthetic devices for revenue expansion — laser, IPL, RF, fractional, plasma. See the full breakdown: How to Finance Cosmetic & Aesthetic Equipment (2025).
Medical Equipment Finance FAQ
Need Help Financing New Medical Devices?
Whether you're adding ultrasound capability, upgrading dental imaging, or expanding your physio treatment options, we’ll structure a low-doc, cash-flow-friendly plan through the Whitecoat Growth Pack.
