Financing Types

Cash-Out Refinancing

Borrow against the equity in your ultrasound equipment. Cash-out refinancing converts owned system value into unrestricted working capital.

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Paid-off equipment is capital in a different form. Cash-out refinancing lets you borrow against the value of ultrasound systems you own, converting that equity into unrestricted cash while the equipment stays in your facility and keeps generating scan revenue. It is not a sale, so you retain title. It is not a conventional practice loan, so the underwriting is grounded in the equipment's value as much as your credit history. For practices that own their systems but are short on liquid capital, this structure can move quickly and deliver funds without disrupting the clinical operation.

We structure cash-out refinancing on ultrasound equipment from $50,000 upward. The amount you can borrow depends on the current market value of the system and your loan-to-value position. A practice carrying a free-and-clear premium cart worth $160,000 might access $100,000 to $130,000 in cash, depending on the structure and credit profile.

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Questions About Cash-Out Refinancing

Review the common timing, documentation, and equipment questions before sending the quote.

How much of my equipment's market value can I borrow against?

Typically 70 to 90 percent of the current appraised or market value, depending on the equipment type, age, and your credit profile. A stronger credit profile and newer equipment support a higher loan-to-value ratio.

Does the equipment have to be fully paid off to do a cash-out refinancing?

Not necessarily. If you have an existing note, we can pay it off and advance the net equity above that balance as cash to you. The equipment needs to have more value than the outstanding debt balance for the transaction to generate proceeds.

Are there restrictions on how I use the cash I receive?

No. The proceeds are unrestricted working capital. Practices use them for staffing, expansion, marketing, other equipment, or to cover a temporary cash flow shortfall. There is no reporting requirement on how the funds are applied.

What happens to the equipment note if I want to sell the system later?

If you sell the equipment, the note must be paid off from the proceeds, just as a mortgage is paid off from a home sale. If the sale price exceeds the remaining balance, you pocket the difference.

Can my practice qualify with a mixed credit history?

B and C credit situations are considered. We weigh the equipment's collateral value heavily, which can offset a below-average credit score. Stable revenue and at least three months of bank statements help us build the full picture.

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Related Financing Paths

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