Probe replacements do not wait for a good billing month. A transducer fails, a technician needs to be hired before the contract is signed, or a facility's reimbursements run 60 days behind while operating costs hit the account every two weeks. Working capital loans fill the gap between when money goes out and when it comes back in, and they do it without tying the financing to a specific piece of equipment.
Unlike equipment loans, which are secured by the asset being purchased, working capital funding is general-purpose. You can use it to replace a probe that failed out of warranty, cover payroll through a slow month, prepay a vendor for a volume discount on disposables, or simply keep cash reserves high enough that the practice never has to turn down a new service contract because the checking account is too thin to absorb a delayed insurance payment.
We work with practices at $50,000 and above. The sweet spot for working capital loans in the imaging space sits between $100,000 and $250,000, which covers the kinds of operational gaps and growth investments that actually move the needle for a diagnostic practice. Applications are evaluated on bank statement cash flow, time in business, and the overall creditworthiness of the principal guarantor rather than on a specific asset to secure. For practices looking to pair working capital with equipment financing, we can often structure both needs in a single application conversation.