19 Lender Partners · 0% APR Available · All Credit Profiles

Own Premium Wellness Equipment
Without the Upfront Burden

Hyperbaric chambers, red light beds, saunas, cold plunge units, and PEMF systems are long-term investments in your health. We've built partnerships with 19 lenders — from our preferred APPROVE program to major banks, medical financing, and SBA loans — so you can start today and pay over time.

Start with APPROVE (Preferred) Download Full Guide (PDF)
No prepayment penalties
2-minute pre-qualification
0% APR programs available
Personal, business & SBA options
★ Preferred Partner · Start Here

APPROVE — Fast, flexible funding for personal and business.

APPROVE is our preferred financing partner and the fastest path to a decision. Their platform handles both consumer and commercial applications with a single soft-check pre-qualification. Ryan Coon is our dedicated contact — he'll help you find the right program.

  • Soft pull to check your rate — no credit-score impact
  • Approvals from a few thousand dollars up to $250,000+
  • Personal loans, business financing, and equipment leasing under one roof
  • Section 179 eligible on qualifying business purchases
  • Direct human support — not a phone tree
Apply with APPROVE Call Ryan · (984) 297-8346
Prestige Hyperbaric financing quick card summary
Quick Card Summary — Download PDF
Full Financing Options Guide (14-page PDF)
Detailed breakdowns of all 19 lenders, eligibility, terms, and application steps. Send it to a spouse, partner, or CFO.
Download Guide Quick Card
How It Works

4 steps from application to install

Getting financed is straightforward. From application to delivery, we walk you through every step.

1
Choose Your Equipment
Browse our catalog or visit our Holiday, FL showroom to see every unit running live. Pick the chamber, panel, or system that fits your goals.
2
Apply in Minutes
Start with APPROVE for a soft-pull rate check, or pick a lender from the list below. Most decisions come back within hours — some within minutes.
3
Approval & Signing
Once approved, you'll receive final terms, sign electronically, and we schedule delivery from our Holiday, FL warehouse based on inventory and route timing.
4
Enjoy & Pay Over Time
Make low, predictable monthly payments while you're already using the equipment. Your chamber is working for you from day one.
Compare Your Options

All 19 lenders, side by side

Every partner we work with, with typical loan ranges, terms, and who each program fits best. Rates and terms vary by credit profile and program.

Lender Best For Loan Range Typical Terms Type
APPROVE ★ Preferred
approvepayments.com		 Fastest all-around option Up to $250,000+ 12–84 months Personal + Biz
Lendio
Marketplace of 75+ lenders		 Shop multiple business lenders $5,000 – $5M 3–120 months Business
JR Capital
Equipment finance specialist		 Larger equipment packages $10K – $10M 24–72 months Business
U.S. Bank Equipment Finance
usbank.com		 Established businesses w/ bank relationship $10K – $500K+ 24–84 months Bank
Bank of America Practice Solutions
Health & wellness practices		 Medical & wellness practice buildouts $25K – $2M+ 36–120 months Bank / Medical
First Citizens Bank
Equipment & healthcare finance		 Clinics and healthcare businesses $25K – $2M+ 24–84 months Bank
Kapitus
kapitus.com		 Speed & flexible credit $10K – $5M 3–60 months Business
Balboa Capital
balboacapital.com		 Fast small-ticket approvals $5K – $500K 24–60 months Business
Triton Capital
tritoncapital.com		 Mid-market equipment leasing $10K – $500K 24–72 months Business
National Funding
nationalfunding.com		 Newer businesses (6+ mo) $5K – $500K 24–60 months Business
1West
1west.com		 Small-business marketplace $10K – $2M 3–60 months Business
Credibly
credibly.com		 Working-capital + equipment $5K – $400K 6–24 months Business
Providence Capital Funding
providencecapitalfunding.com		 Established SMBs $10K – $500K 24–60 months Business
Liberty Capital Group
libertycapitalgroup.com		 Alt-credit / newer businesses $5K – $500K 6–36 months Business
US Business Funding
usbusinessfunding.com		 Fast equipment financing $10K – $500K 12–60 months Business
eLease
elease.com		 Lease-to-own for equipment $5K – $500K 24–60 months Lease
Smarter Finance USA
smarterfinanceusa.com		 Small-ticket equipment loans $5K – $250K 24–60 months Business
SBA 7(a) Loan
sba.gov		 Long-term general business Up to $5M Up to 120 months SBA
SBA 504 Loan
sba.gov		 Real estate + major equipment Up to $5.5M Up to 300 months SBA

Ranges are typical program parameters as published by each lender and can change without notice. Your actual offer depends on credit, business tenure, and program eligibility.

Preferred & Marketplaces

Start here — one soft pull, many programs

The fastest way to see what you qualify for. Both platforms perform a soft credit check, then match you to the right program.

★ Preferred Partner
APPROVE
approvepayments.com · Contact: Ryan Coon
Our recommended first stop. Handles personal and business applications with a single soft-pull pre-qualification. Direct human support from Ryan on our end.
Loan Range
Up to $250K+
Terms
12–84 mo
Apply Now Call Ryan
Marketplace · 75+ Lenders
Lendio
lendio.com
Small-business loan marketplace with over 75 partner lenders. Great for shopping multiple business-financing options with a single application.
Loan Range
$5K – $5M
Terms
3–120 mo
Visit Lendio Ask Us First
Equipment Specialist
JR Capital
jrcapital.com
Focused entirely on equipment financing. Strong on multi-unit and larger equipment packages for wellness centers and clinics.
Loan Range
$10K – $10M
Terms
24–72 mo
Visit JR Capital Ask Us First
Banks & Medical Financing

Traditional banks & healthcare-focused programs

Best for established businesses, clinics, and medical or wellness practices with strong financials and an existing banking relationship.

Major Bank
U.S. Bank Equipment Finance
usbank.com
Equipment-finance division of a top-10 U.S. bank. Ideal for established businesses that already bank with U.S. Bank or want a large bank relationship.
Loan Range
$10K – $500K+
Terms
24–84 mo
Visit U.S. Bank Ask Us First
Medical / Wellness
Bank of America Practice Solutions
bankofamerica.com/practicesolutions
Dedicated financing division for healthcare and wellness practices. Strong for clinic buildouts and multi-modality wellness centers.
Loan Range
$25K – $2M+
Terms
36–120 mo
Visit BofA Ask Us First
Bank · Healthcare
First Citizens Bank
firstcitizens.com
Healthcare and equipment-finance programs geared toward clinics and small-to-mid-sized medical businesses. Competitive rates for strong credit.
Loan Range
$25K – $2M+
Terms
24–84 mo
Visit First Citizens Ask Us First
Business Equipment Specialists

Fast approvals for equipment purchases

Non-bank lenders specializing in equipment financing and leasing. Faster decisions, more flexible credit criteria, ideal for small and mid-sized businesses.

Speed · Flex Credit
Kapitus
kapitus.com
Small-business specialist known for speed and working with a wide range of credit profiles. Equipment financing plus term loans and working capital.
Loan Range
$10K – $5M
Terms
3–60 mo
Visit Kapitus Ask Us First
Fast Small-Ticket
Balboa Capital
balboacapital.com
Small-ticket equipment financing with app-only approvals up to $500K and fast decisions — often same-day for qualified applicants.
Loan Range
$5K – $500K
Terms
24–60 mo
Visit Balboa Ask Us First
Mid-Market Leasing
Triton Capital
tritoncapital.com
Direct lender focused on equipment leasing and financing for small and mid-sized businesses. Strong customer service and flexible structures.
Loan Range
$10K – $500K
Terms
24–72 mo
Visit Triton Ask Us First
Newer Businesses
National Funding
nationalfunding.com
Works with businesses that have as little as 6 months of operating history. Great for younger practices and wellness centers.
Loan Range
$5K – $500K
Terms
24–60 mo
Visit National Funding Ask Us First
Marketplace
1West
1west.com
Small-business finance marketplace matching borrowers with multiple partner lenders. Useful as a comparison alongside APPROVE and Lendio.
Loan Range
$10K – $2M
Terms
3–60 mo
Visit 1West Ask Us First
Capital + Equipment
Credibly
credibly.com
Combines working-capital financing with equipment options. Good for businesses funding equipment alongside build-out or operating expenses.
Loan Range
$5K – $400K
Terms
6–24 mo
Visit Credibly Ask Us First
Established SMBs
Providence Capital Funding
providencecapitalfunding.com
Equipment financing for established small-to-mid-sized businesses. Competitive rates for strong credit profiles and 2+ years in business.
Loan Range
$10K – $500K
Terms
24–60 mo
Visit Providence Ask Us First
Alt-Credit Friendly
Liberty Capital Group
libertycapitalgroup.com
Works with a broad range of credit profiles including newer businesses and alternative-credit borrowers. Great fit when banks say no.
Loan Range
$5K – $500K
Terms
6–36 mo
Visit Liberty Ask Us First
Fast Equipment
US Business Funding
usbusinessfunding.com
Direct-lender equipment financing with fast, streamlined approvals. Popular for medical, wellness, and light-industrial equipment.
Loan Range
$10K – $500K
Terms
12–60 mo
Visit US Business Funding Ask Us First
Lease-to-Own
eLease
elease.com
Straight-forward equipment leasing platform with a fast online application. Good option when leasing is more attractive than a term loan.
Loan Range
$5K – $500K
Terms
24–60 mo
Visit eLease Ask Us First
Small-Ticket Equipment
Smarter Finance USA
smarterfinanceusa.com
Broker specializing in small-ticket equipment loans and leases. Transparent pricing and dedicated support for wellness-industry buyers.
Loan Range
$5K – $250K
Terms
24–60 mo
Visit Smarter Finance Ask Us First
Government-Backed · SBA

SBA loans for the biggest opportunities

Government-backed loans through the U.S. Small Business Administration. Longest terms and lowest rates available for qualifying businesses. Longer approval timelines — plan 30–90 days.

SBA 7(a)
SBA 7(a) Loan
sba.gov · Multiple partner banks
The SBA's flagship program. Long terms, competitive rates, and broad use — equipment, working capital, real estate, or business acquisition. Requires established business, strong credit, and business plan.
Loan Range
Up to $5M
Terms
Up to 120 mo
Learn About 7(a) Ask Us First
SBA 504
SBA 504 Loan
sba.gov · CDC + partner bank
Long-term, fixed-rate financing specifically for major fixed assets — real estate and large equipment. Best for wellness-center buildouts or a full multi-modality clinic.
Loan Range
Up to $5.5M
Terms
Up to 300 mo
Learn About 504 Ask Us First
Approval Playbook

Tips to get approved & what to bring

A little preparation makes the process fast and painless. Here's what actually moves the needle on your application.

Tips to Improve Your Approval Odds

  • 1
    Check your credit first.

    Run a soft pull through APPROVE or annualcreditreport.com. Knowing your score sets realistic expectations and helps us route you to the right lender.

  • 2
    Reduce credit utilization.

    Pay down credit-card balances so utilization is under 30% before you apply. This is one of the fastest ways to raise your score.

  • 3
    Consider a down payment.

    Even 10–20% down often unlocks better rates, longer terms, and higher approval limits — especially on business loans.

  • 4
    Keep tax filings up to date.

    Business lenders want to see your two most recent years of returns. If you're behind, get filed before you apply.

  • 5
    Apply to 2–3 lenders in a short window.

    Rate-shopping within a ~14-day window typically counts as a single credit inquiry, so it protects your score.

Documents to Have Ready

  • A
    Personal financing (all lenders)

    Government-issued ID, proof of income (2 recent paystubs or last year's W-2 / tax return), Social Security number, and current address history.

  • B
    Business financing (bank & SBA)

    Last 2 years of business tax returns, YTD profit-and-loss, business bank statements (3–6 months), articles of incorporation, and EIN documentation.

  • C
    Equipment quote from Prestige

    We'll provide a formal quote with itemized pricing, installation cost, and warranty details. Lenders need this to underwrite the loan.

  • D
    Down payment source (if applicable)

    If you're putting money down, be ready to show its source — a bank statement showing the funds are seasoned typically works.

  • E
    Business plan (SBA only)

    SBA 7(a) and 504 loans require a business plan with financial projections. We can point you toward SCORE and SBDC resources that'll help you draft one for free.

Payment Estimator

See what your monthly payment could be

A quick estimate so you can size the equipment to your budget. Actual rates depend on lender, credit profile, and program.

Estimated Monthly Payment
$258/mo
Estimate only. Actual payment determined by lender approval. Soft-pull rate check available with no impact to your credit score.
Get My Real Rate
Ready to Get Started?

Talk to a person, not a form

The fastest path is a soft-pull rate check with APPROVE or a quick call to our team. We'll match you to the right program in under 2 minutes — no credit-score impact and zero pressure.

Start with APPROVE Download the Full Guide Contact Our Team
Prestige Hyperbaric · 727-591-4268 · prestigehyperbaric@gmail.com
4038 Louis Ave, Unit 108, Holiday, FL 34691 · Showroom open — Try before you buy
All financing offered through third-party lenders. Loan approval, actual rates, terms, fees, and eligibility are determined by each lender and depend on your credit history, income, business tenure, and program guidelines. Loan ranges shown are typical program parameters as published by each lender and can change without notice. Prestige Hyperbaric is not a lender and does not offer credit; we simply refer clients to reputable financing partners. Consult a licensed financial advisor before making any financing decision. All product warranty terms remain as stated on your Prestige Hyperbaric purchase agreement regardless of financing source.
Last updated: July 13, 2026 · © 2026 Prestige Hyperbaric, a DBA of Prestige Hyperbaric and Wellness LLC. All rights reserved.