NFS Capital finances business-critical diagnostic imaging equipment for independent healthcare operators and growing medical businesses across the U.S. and Canada. We listen to the full story behind the request: what the equipment adds to the business, the procedure or service need driving the purchase, the facility and vendor timing, the expected utilization, and the broader plan for making the investment productive.
Independent imaging centers, ambulatory surgery centers, radiology practices, specialty clinics, and other healthcare businesses can bring us requests ranging from a single MRI or CT system to larger, multi-modality and multi-vendor imaging projects.
Diagnostic imaging equipment financing helps healthcare businesses acquire MRI, CT, PET/CT, mammography, fluoroscopy, C-arm, and related imaging systems used to add services, increase procedure capacity, replace aging technology, or open a new location.
The financing can cover a single major system or a broader project involving several modalities, vendors, delivery dates, and installation requirements. Imaging projects may also include eligible software, accessories, workstations, and other costs that are part of the equipment transaction.
Unlike a simple equipment purchase, an imaging project may require the financing plan to account for site preparation, installation sequencing, facility readiness, and the time it takes a new system or location to build procedure volume. NFS Capital evaluates the equipment in the context of the business plan behind it.
NFS Capital works with healthcare businesses that need business-critical imaging equipment and financing requests that benefit from judgment, structure, and context.
We work with organizations that are:
Independent imaging centers adding, replacing, or upgrading MRI, CT, PET/CT, mammography, or related systems
Ambulatory surgery centers adding imaging capability to support procedure growth or expanded clinical services
Radiology practices opening new locations or replacing aging equipment
Specialty clinics in orthopedics, oncology, urology, cardiology, and other areas bringing imaging capabilities in-house
Adding a new modality or service line before the full revenue contribution appears in historical financial statements, often a growth-stage financing scenario for imaging providers
Managing a multi-modality, multi-vendor, or phased imaging equipment project
Expanding into a new market or location with a credible patient, procedure, or referral demand story
Operating in rural or underserved markets where local imaging access supports a clear business need
Seeking financing of at least $150,000, with many diagnostic imaging opportunities falling in the $500,000 to $3 million+ range
NFS Capital is generally not a fit for consumer purchases, small-ticket equipment requests below our transaction profile, standalone real estate or construction without a meaningful equipment component, or very early requests without meaningful business support, an experienced operating plan, available capital, contracts, or another credible basis for the financing request.
NFS Capital finances business-critical imaging systems and related equipment used to support diagnostic capacity, procedure growth, and healthcare operations, including:
MRI systems, including 1.5T, 3T, open-bore, and wide-bore systems: typically $1 million to $3 million
CT scanners, including systems from 16-slice through 256-slice configurations: typically $500,000 to $2.5 million
PET/CT systems: typically $1.5 million to $3 million+
Mammography systems: typically $150,000 to $400,000
Fluoroscopy and C-arm systems: typically $150,000 to $500,000
Multi-modality imaging suite projects combining several imaging systems and vendors: typically $2 million to $8 million+
Equipment and project costs vary by manufacturer, system configuration, software, accessories, installation, site requirements, service arrangements, and overall project scope.
NFS Capital finances equipment transactions starting at $150,000. Many diagnostic imaging opportunities fall within the $500,000 to $3 million+ range, and larger multi-modality projects can also be considered.
Imaging equipment is often needed at a turning point for the business: a new location is opening, procedure demand is growing, a service line is being added, or an aging system can no longer support the next stage of operations. We finance situations including:
Adding MRI, CT, PET/CT, mammography, or another modality to expand services or procedure capacity
Replacing aging imaging equipment before reliability, throughput, or technology limitations disrupt operations
Opening a new imaging center, ASC, radiology site, or specialty-clinic location
Bringing imaging in-house to support patient flow, specialty services, or a broader care model
Multi-modality projects that require several systems to be ordered, installed, and brought online on different schedules
Equipment purchases needed before a new location or modality has a full historical revenue track record
Growth supported by physician relationships, facility agreements, payer arrangements, procedure demand, or other operating strengths
Prior bank decline or limited bank availability despite a credible business case for the imaging investment
What connects these situations is a business-critical imaging need with a clear operating purpose and a financing request that deserves to be evaluated in the context of how the equipment will be used.
An MRI or CT scanner can be ordered months before the full revenue impact of the investment appears in historical financial statements. The equipment may need site work, installation, testing, staffing, scheduling, and payer or facility coordination before it reaches expected procedure volume.
That timing matters. A new imaging center may have experienced operators, physician relationships, a strong local demand story, and a defined opening plan while still lacking the trailing financial history a conventional bank prefers. An established practice may be adding a second location or a new modality before the expansion is visible in prior-period results.
NFS Capital evaluates the operating case around the imaging equipment. We look at why the system is needed, how the business expects to use it, what supports the projected demand, how the facility and vendor timelines fit together, and what financial and operating strengths support the request. The goal is to understand the transaction as the business sees it, not as a scanner purchase in isolation.
The right structure depends on the imaging system, transaction size, expected ownership period, technology-refresh plans, business profile, project timing, and cash-flow objectives.
NFS Capital can consider:
Equipment Finance Agreements (EFAs) for operators that expect to own and use the imaging equipment long term
Fair Market Value (FMV) leases for imaging systems where end-of-term flexibility or future technology upgrades are important
$1 buyout leases for businesses focused on long-term ownership
Master Lease Agreements for operators planning multiple equipment acquisitions or additional locations over time
Multi-vendor and staged funding for imaging projects with different equipment deliveries, installations, or vendor payment schedules
Sale-leaseback structures when a business has already purchased eligible equipment with cash and has a broader recapitalization need
Deferred, step-up, or other payment structures when appropriate for the transaction and operating ramp
The right structure can help align the financing with the equipment purchase, project timeline, and broader operating objective.
NFS Capital uses a straightforward process designed to help businesses understand whether their equipment financing request is a fit.
We review the imaging system or equipment package, transaction size, vendor information, intended use, facility status, installation timeline, and the business reason for the purchase. For a new site or modality, this may also include expected procedures, referral or facility relationships, available capital, and the planned ramp-up.
Our team evaluates the company’s financial and credit profile, operating history, management experience, procedure and revenue context, payer mix where relevant, facility arrangements, project timing, and other supporting information. The objective is to understand the complete business context behind the equipment request.
After documentation and closing requirements are completed, NFS Capital works with the customer, vendor or vendors, and related parties to fund the equipment. For multi-modality projects, funding can be coordinated around agreed delivery, installation, or other transaction milestones.
Diagnostic imaging equipment can be central to a healthcare operator’s ability to add services, increase procedure capacity, replace an aging system, or open a new location. NFS Capital’s experienced financing team evaluates the equipment in the broader context of the business and works to find a practical structure when the request does not fit a standard financing template.
For diagnostic imaging equipment projects, NFS Capital provides:
Equipment financing for transactions starting at $150K and up to $20M+
24–48 hour decisions when the information needed for review is available
Credit evaluation that can consider operating history, procedure volume, payer mix, facility arrangements, management experience, available capital, and the business purpose behind the equipment
Multi-vendor and staged funding structures for larger imaging projects and facility expansions
Experience across healthcare and medical equipment financing, including MRI, mammography, diagnostic, laboratory, technology, and other business-critical equipment
A relationship-based approach focused on helping healthcare businesses move forward with equipment projects that support operations and growth
NFS Capital has been in business for 20+ years and has financed more than $2 billion in equipment transactions for companies throughout the U.S. and Canada.
A diagnostic imaging company operating in Florida and Arizona needed advanced imaging equipment to expand multi-modality capabilities and support new imaging operations in growing markets.
NFS Capital completed two transactions totaling $1.9 million for a Philips Ingenia Ambition S 1.5T BlueSeal MRI system and a Hologic 3Dimensions mammography system. The Hologic transaction totaled $440,416 and used an FMV lease with deferred and step-up payments designed to better align the financing with the business ramp-up.
The equipment expanded the company’s multi-modality imaging capability and became part of a broader six-transaction relationship with NFS Capital.
Source: NFS Capital closed transaction data. Company name and identifying details not disclosed.
MRI equipment projects commonly fall in the $1 million to $3 million range, depending on the system, configuration, and overall project. That range can include 1.5T, 3T, open-bore, and wide-bore systems, but the final cost varies by manufacturer, technology, accessories, software, installation requirements, and site preparation.
The monthly financing payment cannot be estimated accurately from the scanner price alone. It depends on the eligible equipment and project cost, financing structure, term, and credit profile. For that reason, NFS Capital evaluates the actual equipment proposal and project rather than publishing a generic monthly payment range.
Yes. NFS Capital can consider independent imaging centers for MRI, CT, PET/CT, mammography, and other diagnostic imaging equipment financing. A center does not need the balance sheet of a hospital system for NFS to review the request.
Depending on the transaction, NFS may evaluate operating history, existing or projected procedure volume, payer mix, facility arrangements, management experience, available capital, physician or referral relationships, and the business plan supporting the investment.
An Equipment Finance Agreement or $1 buyout lease is generally more ownership-oriented and may be appropriate when an imaging center expects to keep the system for many years. An FMV lease provides more end-of-term flexibility and may be useful when the operator expects to replace or upgrade equipment as technology or clinical requirements change.
The appropriate structure depends on the system, expected useful life, upgrade plans, cash-flow objectives, and broader equipment strategy. NFS Capital can help evaluate which structure best fits the transaction.
Start with the CT equipment proposal and the operating plan behind the new ASC. NFS Capital will want to understand the system being purchased, total financing requirement, ownership and management experience, facility status, opening timeline, expected procedures, available capital, and how the CT capability fits the center’s service plan.
A new ASC can be considered when the overall request has meaningful support, such as experienced operators, physician participation, a credible procedure pipeline, available capital, facility progress, or other strengths. NFS can coordinate the financing process with the vendor and align funding with applicable equipment delivery and closing requirements.
NFS Capital can consider a multi-modality project that combines MRI, CT, mammography, C-arms, and other qualifying systems within a broader equipment financing transaction. These projects often involve several vendors and different delivery or installation dates.
Multi-vendor or staged financing can help coordinate funding around the actual project schedule rather than requiring a separate financing request for each modality. Multi-modality imaging suite projects can range from approximately $2 million to $8 million+ depending on the systems, vendors, and project scope.
NFS Capital evaluates both the imaging equipment and the business circumstances supporting the purchase. For an established operator, that can include historical operations, procedure volume, payer mix, management experience, existing locations, and the reason for the new system.
For a newer center or expansion, NFS may also consider projected utilization, physician or facility relationships, available capital, the project timeline, and the operating plan behind the modality. The objective is to understand the complete business context rather than evaluate the request solely through a standardized credit model.
End-of-term options depend on the financing structure. With an FMV lease, options may include purchasing the equipment at fair market value, returning it, extending the arrangement, or addressing a replacement or upgrade, subject to the agreement terms.
A $1 buyout lease is more ownership-oriented and provides a contractual $1 purchase option at the end of the term, assuming the customer has fulfilled the agreement. The right structure depends in part on whether the center expects to keep the system long term or refresh technology over time.
Yes. NFS Capital can consider imaging equipment requests from rural and underserved healthcare providers. These organizations may have a strong local need for imaging services while operating with a financial profile that differs from a large health system.
NFS can evaluate patient and procedure demand, management experience, facility readiness, available financial support, the equipment being acquired, and how the imaging service fits the organization’s broader operating plan.
If your imaging center, ASC, radiology practice, specialty clinic, or healthcare business needs financing for MRI, CT, PET/CT, mammography, a multi-modality imaging suite, or another business-critical imaging project, NFS Capital can help you determine whether the transaction is a fit.
Start your financing request and connect with a team that understands imaging equipment, new-location and expansion projects, multi-vendor timing, and equipment financing requests starting at $150K.
