Women's Health & OB/GYN Clinics

Mammography suites, bone density scanners, and DR rooms do the heavy lifting in a women's health clinic, and every one of those rooms has a daily throughput target it either hits or misses. The gap between a 2D mammography system and a full 3D tomosynthesis unit can be forty extra recalls per hundred screens, which translates directly into phone calls, patient anxiety, and follow-up visits your schedule has to absorb. Financing the right equipment from the start is a workflow decision as much as a capital decision, and we work with women's health practices specifically because the equipment mix here is unlike any other specialty.

OB/GYN practices carry a narrower imaging footprint than a hospital department, but the stakes per exam are just as high. A fluoroscopy table for hysterosalpingography, a bone densitometry system for your perimenopausal population, a mammography system for your screening program: these are not interchangeable line items. Each one has a distinct cost structure, a distinct depreciation profile, and a distinct patient-volume math behind it. We underwrite them separately, and we'll help you structure a package that doesn't force you to sequence purchases you should be making at the same time.

The equipment that defines this specialty

Mammography is the highest-profile line item in most women's health practices. A standard 2D unit runs in the $100,000-$200,000 range for a certified refurbished system; a new full-field digital unit with 3D tomosynthesis capability can push past $400,000 once installation and MQSA compliance room modifications are included. That compliance overhead matters: mammography rooms require specific ceiling height, shielding, and FDA equipment certification, and those costs belong in the same financing conversation as the machine itself.

Bone densitometry via DEXA is the second major imaging investment. A DEXA system sized for a clinic rather than a hospital typically lands between $60,000 and $120,000, and it serves a patient population that returns annually, giving you predictable revenue per unit of floor space. Fluoroscopy for procedures like hysterosalpingography sits in the $80,000-$150,000 range and supports a broader procedural mix than many OB/GYN practices initially plan for.

Digital radiography panels for chest and pelvis imaging round out the suite. A fixed DR room at the $80,000-$150,000 range completes a clinic that can handle the full imaging workload in house rather than sending patients to a separate facility, which has a real effect on patient retention and same-day care continuity.

How we structure the financing

Our minimum is $50,000, which puts every piece of equipment a women's health practice typically buys within our scope. The sweet spot in this specialty is $100,000 to $350,000 for a single-system purchase, and we routinely handle packages that bundle two or three pieces of equipment into one approval so you get one payment, one vendor check, and one closing.

For new or refurbished mammography systems, we work with both scenarios. A refurbished unit from a reputable OEM service provider is a legitimate choice for many practices, and used equipment financing for certified imaging systems is something we handle regularly. We underwrite based on the equipment's condition and the practice's financials, not a blanket policy against pre-owned systems.

Application-only approval is available up to roughly $400,000, which covers most single-system purchases in this specialty. Larger packages or practices wanting to pull cash from existing paid-off equipment can use sale-leaseback financing to free up capital without selling the equipment outright. Most files fund inside one to two weeks from completed application.

We also work with practices that have had credit challenges. B/C credit is considered, and three months of bank statements is generally sufficient for documentation alongside the application. The practice's revenue history and the quality of the collateral both weigh in your favor when credit is less than perfect.

Who reaches out to us

Solo OB/GYN practices buying their first in-house mammography system, multi-provider women's health groups expanding from two rooms to four, and freestanding breast centers doing an equipment refresh all show up in our pipeline. The common thread is that imaging is central to the revenue model, not a convenience add-on, and the decision-maker is typically a physician-owner or a practice administrator who has already done the utilization math.

We also see practices that got a capital call wrong earlier. They financed one piece of equipment through a vendor program at a high rate, then need to do the next purchase differently. Refinancing an existing machine to lower the payment and free up cash for the next acquisition is a path we can run in parallel with a new purchase, using equipment refinancing to reset the cost structure on what's already in the room.

Startups and new practices are welcome, too. New practice financing for a women's health buildout is a real product here, not a checkbox. We look at the physician's credentials, the lease for the space, and the business plan, and we work with lenders who have experience with medical practice startups specifically.

What's driving equipment investment in this specialty

The U.S. Preventive Services Task Force revised its mammography screening guidance in 2024 to recommend screening starting at age 40, which is expected to increase screening volumes for practices with in-house mammography capability. That volume increase directly improves the utilization math for practices that have been running a single-room mammography suite at less than full capacity.

The shift to tomosynthesis has also accelerated. Hologic's 3D platform holds a leading market position in the U.S., and Hologic mammography equipment is one of the more common financing requests we receive from breast centers and women's health practices. GE's Senographe line and Fujifilm's ASPIRE Cristalle are also frequently requested, and we finance all of them regardless of which OEM the practice has standardized on.

Bone density screening is expanding as the perimenopausal and postmenopausal patient population grows and reimbursement for DEXA remains relatively stable. Practices that can keep DEXA in house rather than referring out are capturing that revenue stream and improving patient satisfaction by eliminating a separate appointment at a different facility.

Get a financing quote for your women's health practice

Whether you are buying your first mammography system, expanding a DEXA program, or bundling a full imaging suite into one package, we can put a term sheet in front of you in a matter of days. Call us or submit an application online and let's build the structure around what the practice actually needs.

Can we finance the room buildout and shielding alongside the mammography machine?

Yes. Lead-lined room construction, MQSA compliance modifications, and equipment installation costs can typically be bundled into the same financing package as the machine itself. Soft costs up to roughly 20-25% of the total are commonly included. This keeps the project under one approval and one closing rather than splitting the medical construction loan from the equipment loan.

We want to upgrade from 2D to 3D tomosynthesis but still owe on our current system. What are our options?

You have two clean paths. The first is to refinance the existing 2D unit to lower the monthly payment, then add the 3D system as a separate new credit line. The second is a trade-in arrangement where the dealer takes the 2D unit and the payoff rolls into the new deal. We can run both scenarios against your numbers so you can see which structure produces the better cash-flow outcome.

Our practice has been open for 18 months. Do you have a seasoning requirement?

Most of our lenders prefer at least 12 months in business, which you meet. At 18 months, you will have access to a broader lender panel than a true startup, and three months of bank statements showing consistent revenue is typically enough documentation. If your financials are strong, application-only approval is often possible without full tax returns.

Is a Section 179 deduction available on mammography and DEXA equipment?

Yes. Both mammography systems and DEXA scanners qualify as Section 179 property when used in a domestic business. The deduction applies to new and used equipment placed in service during the tax year. A dollar-buyout lease or a loan both allow you to claim the deduction in year one. Talk to your tax advisor about timing, but we can structure the deal to make the deduction available.

Can we do a sale-leaseback on our existing DEXA scanner to generate cash for a mammography upgrade?

Yes, provided the DEXA unit is paid off or has sufficient equity above the remaining balance. We would appraise the equipment, pay off any remaining lien, and put the net proceeds in your account while you continue using the scanner under a lease. That cash can go toward the mammography purchase or any other practice need without tying up a bank line.

Related Financing Paths