Medical Laboratory Financing Nationwide for Clinical and Diagnostic Labs, $10K to $5M
🔬 Financing Built for LabsI’m Kevin Kermeen, a nationwide commercial loan broker, not a bank. Medical laboratory financing funds the moment a bank won’t, opening a clinical or diagnostic lab, buying an existing one, financing analyzers and automation, or building out a CLIA-ready facility. Launching a molecular, pathology or reference lab? That’s exactly the capital project I structure. I match you to lenders who finance laboratory equipment and build-outs.
Medical Laboratory Financing for Every Stage
Whether you’re building a new lab, buying an existing one, or adding analyzers and capacity, there’s a path built for it. Here’s what medical laboratory financing commonly covers at every stage.
Lab Acquisition
Buy an established clinical, pathology or reference lab with contracts and trained staff. SBA 7(a) is built for this, often with limited money down.
Lab Startup and De Novo
Open a new lab from the ground up, analyzers, LIS, CLIA build-out and working capital to reach testing volume.
Analyzers and Automation
Finance chemistry, hematology, molecular and immunoassay analyzers and automation lines, with the equipment as collateral.
Molecular and Genetic Testing
Fund PCR, next-generation sequencing and molecular platforms to add high-value testing lines.
CLIA Build-Out and Real Estate
Build a compliant lab. Finance benches, biosafety, ventilation, the LIS and the facility behind it.
Working Capital and Reagents
Cover payroll, reagents and the gap before testing volume and reimbursements ramp, or fund a second lab.
A Lab Director Built a Molecular Lab the Bank Took Too Long to Fund
A lab director had signed testing contracts in hand and needed analyzers and a CLIA build-out to launch a molecular diagnostics lab, but the bank wanted a long review the contract start dates could not wait for.
They called me. I structured medical laboratory financing that combined equipment financing for the analyzers, with the instruments as collateral, and an SBA-backed package for the CLIA build-out and working capital, underwritten on the signed contracts and the director’s credentials. It funded, the lab launched on schedule, and testing revenue began flowing.
That’s what the right match looks like for a laboratory. Don’t Beg the Bank! Get funded instead.
How I Fund Labs, the Right Tool for Each Need
Medical laboratory financing isn’t one product. The right structure depends on what you’re doing. I match you to the one that fits, tap any to explore it.
SBA 7(a) Loans
The primary vehicle for building, buying or expanding a lab business, strong terms, often limited money down.
See SBA 7(a)Equipment Financing
Chemistry, hematology, molecular and immunoassay analyzers and automation, with the equipment itself as collateral.
See equipment financingSBA 504 and Real Estate
Buy the building your practice operates in with long-term, fixed-rate commercial real estate financing.
See SBA 504Bridge and Fast Close
Contract start dates on the clock? Short-term bridge options to launch before the window closes.
See bridge loansWorking Capital
Cover payroll, reagents and the ramp-up before testing volume and reimbursements catch up.
See working capitalLine of Credit
Revolving capital for the ups and downs of running a practice, draw only what you need.
See lines of creditQualifying for Medical Laboratory Financing
Medical laboratory financing is different from a generic business loan, because analyzers are valuable collateral and labs run on contracts and recurring volume. Lenders know this, so a lab with strong credit, signed contracts or a credible plan is a strong borrower. I qualify deals honestly.
✅ What helps you qualify
- ✔A lab director, pathologist or diagnostics operator and a plan to build, buy or run a lab.
- ✔Strong personal credit, the foundation for a new dentist with limited history.
- ✔For acquisition: a practice with solid, documented cash flow.
- ✔A down payment or contribution, which a parent or family member can help with.
💡 Straight talk
- →Analyzers are financed with the equipment as collateral; the build-out can use SBA.
- →Signed testing contracts and credentials carry a startup lab as much as time in business.
- →Credit is flexible, there’s no single hard FICO floor; stronger credit means better terms.
- →Student debt alone does not disqualify you; the deal and your credit matter more.
Get Your Medical Laboratory Financing Options
A quick, no-pressure pre-qualification. I personally review every submission, no call center, no junior rep.
Got it. I’m on it.
Your medical laboratory financing request landed in my inbox. I personally review every submission and most responses go out within one business hour.
Watch for a call from me, Kevin Kermeen, I call directly, I don’t text.
Recent Medical Laboratory Financing From My Desk
A snapshot of the medical laboratory financing I match to lenders nationwide, lab by lab. Every dentist and practice is different, yours starts with a conversation.
Medical Laboratory Financing · SBA and Equipment
A director launched a molecular lab, analyzers via equipment financing and CLIA build-out via SBA, in one structure.
Analyzer Upgrade
A clinical lab financed a new chemistry and hematology line to expand capacity, preserving cash for reagents.
Lab Acquisition
An operator bought an established reference lab with contracts in place, underwritten on the lab’s cash flow.
How I Match Medical Laboratory Financing to the Right Lender
Not every lender understands the lab model, with its high-dollar analyzers and contract-driven revenue, and the ones that do compete hard for good labs. I work with many, so I match your medical laboratory financing to the lender that funds your goal, build-out, acquisition, analyzers or expansion, and I review the options with you before you commit.
Here’s the reality for a laboratory. Analyzers are expensive and a CLIA build-out is a real capital project, but the instruments hold value and labs generate recurring, contract-backed revenue, which makes them fundable. Medical laboratory financing usually combines equipment financing, where the analyzer secures its own loan, with an SBA loan for the build-out, certification and working capital. A lab with signed contracts or a credible plan and strong credit can launch or expand frequently with limited money down. According to the U.S. Small Business Administration, the 7(a) program supports this kind of business build-out, acquisition and expansion.
The right structure depends on what you’re doing. Buying or starting a practice usually runs through an SBA 7(a) loan, and broader options live across the SBA loan programs. Chemistry, hematology, molecular and immunoassay analyzers are best matched to equipment financing, where the instrument is the collateral. If you want to own the building, an SBA 504 loan or commercial real estate loan gives long-term, fixed-rate terms. A contract start date on the clock points to bridge loans, and reagents and the ramp-up are covered by working capital loans or a business line of credit.
So tell me what kind of lab you’re building or buying and what you need. I’ll tell you honestly which medical laboratory financing structure fits, match you to the lender most likely to approve it, and stay with you through closing. Other healthcare providers, see my healthcare business loans hub, or compare every option on my loan programs page. Don’t Beg the Bank! Get funded instead.
Sources: U.S. Small Business Administration, 7(a) loan program and 504 loan program.
Straight Answers Before You Apply
What is medical laboratory financing?
Can I finance a startup lab with signed contracts but no history?
How do I finance buying an existing lab?
Can I finance analyzers separately from the build-out?
How much can I borrow for a medical lab?
What does it cost to work with you?
A Broker Who Knows Which Lenders Fund Labs
I’m Kevin Kermeen, the nationwide commercial loan broker behind 75BizLoans.com, not a bank and not a lead-selling portal. Laboratory lending has its own specialist lenders who understand analyzers and contract-driven revenue, and matching you to the right one, for a build-out, acquisition, analyzers or expansion, is the whole point of working with me. I personally review every application, I call you directly, and I never text. For program details, see the SBA’s 7(a) loan program.
Don’t Beg the Bank!
Get Funded Instead.
Banks hand out umbrellas when the sun is shining, not when you’re weathering the storm … and they’ll stall a lab launch your contracts can’t wait on. I match you to medical laboratory financing built for your project … build or buy a lab through SBA, finance the analyzers without draining cash, own the facility, and get a same-day callback from a broker who reviews every deal himself.
Loan amounts, terms, rates and funding speed shown reflect typical lender programs, not guarantees, and vary by lender, creditworthiness, practice performance, collateral and structure. Medical laboratory financing generally ranges from $10,000 to $5 million depending on the project, and larger deals are possible. *Practice acquisition and startup are commonly financed through SBA 7(a); SBA loans follow standard SBA timelines and eligibility, and “no two years of history needed” refers to acquisition loans underwritten on the target practice’s cash flow rather than the borrower’s prior business history. Credit is considered along with other factors; there is no single hard minimum FICO simply to apply, but stronger credit supports better rates and terms, and not all applicants are approved. *No upfront fees refers to fees payable to 75BizLoans.com; I am compensated by the lender at closing. Some partner lenders may require a commitment fee or deposit upon your acceptance of their term sheet; any such fee is the lender’s, is disclosed before you commit, and is separate from any compensation to me. Final eligibility, rate, term and structure are determined by the lender. This is not a commitment to lend. Same-day approvals are common when the application reaches me before 9am Arizona Time.