If you run a medical transport, EMS, or ambulance business and need to buy stretchers, ambulance cots, or stair chairs from a reseller like StretchersRUs, the fastest way to fund the purchase without draining your operating cash is revenue-based financing through an MCA marketplace — approval rests on your bank deposits and monthly revenue rather than your credit score alone, most operators with a FICO of 500 or higher and consistent deposits can qualify, and funding typically arrives in 24 to 48 hours. That speed matters because refurbished Stryker and Ferno units move quickly and StretchersRUs ships within one to three business days, so the operator who can pay on approval wins the unit. This page explains when revenue-based funding is the right tool for equipment like this, when a dedicated equipment loan or lease fits better, and how to size the advance to your route revenue so repayment stays inside your normal cash-flow rhythm.
Key takeaways
- StretchersRUs (a division of JJJ Medical) resells new and refurbished Stryker and Ferno stretchers, cots, and stair chairs from a New Jersey facility, shipping continental US in one to three business days.
- Its buyers are revenue-generating operators: private EMS, NEMT, 911 contractors, volunteer and municipal ambulance services, and fire departments.
- Revenue-based financing approves on bank deposits and monthly revenue, not credit alone — most operators with FICO 500+ and steady deposits qualify.
- Funding typically lands in 24 to 48 hours, fast enough to pay before a refurbished unit ships or sells.
- Advances commonly start around $10,000 — enough for a single powered stretcher or a stair-chair-plus-accessory order.
- Revenue-based funding covers refurbished equipment identically to new, unlike some equipment lenders that discount older units.
- No legitimate offer is ever guaranteed; approval and terms depend on what your statements show.
Who StretchersRUs Serves — and Why Financing Comes Up
StretchersRUs, a division of JJJ Medical, sells new and refurbished Stryker and Ferno stretchers, ambulance cots, stair chairs, and medical accessories out of a New Jersey inspection facility, shipping across the continental US. Its buyers are almost entirely revenue-generating operators: private EMS and non-emergency medical transport (NEMT) companies, 911 contract providers, volunteer and municipal ambulance services, fire departments, and home-healthcare transport fleets.
These are exactly the businesses that hit financing questions when a unit fails inspection, a new contract requires added capacity, or a fleet expansion demands three or four cots at once. A single powered stretcher is a meaningful capital outlay, and paying cash on the spot can strand the working capital an operator needs for payroll, fuel, and insurance. That gap — a real asset to buy, real revenue coming in, but timing that doesn't line up — is what revenue-based financing is built to bridge.
Revenue-Based Financing vs. Equipment Loans: Which Fits a Stretcher Purchase
There are two honest paths to fund gear like this, and they solve different problems.
Equipment financing (loan or lease) uses the stretcher or cot itself as collateral. Rates are usually lower, terms run longer, and the unit secures the deal — which is why lenders scrutinize the equipment's age and condition. That last point matters with refurbished units: some equipment lenders discount or decline older serial-numbered inventory, and the underwriting and titling can take longer than the one-to-three-day shipping window.
Revenue-based financing (an MCA-style advance through a marketplace) ignores the asset entirely and underwrites your deposits. It funds fast, covers new and refurbished equipment identically, and doesn't put a lien on the cot — but it carries a higher cost of capital and repays through a fixed share or fixed daily/weekly draft on your revenue. Use it when speed, flexibility, or refurbished-unit eligibility rule out a traditional equipment loan, or when you're buying a mix of gear plus accessories that a single asset loan won't cleanly cover.
For a deeper comparison, see our pillar guides on revenue-based financing and equipment financing for small businesses.
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How Approval Actually Works on Deposits and Revenue
A revenue-based marketplace reads the same signals an experienced underwriter would. The core inputs:
- Bank deposits: typically the last three to six months of business statements, showing steady route or contract revenue landing in the account.
- Monthly revenue: most programs look for consistent top-line volume; the advance is sized as a fraction of it so repayment stays proportional to what you actually bring in.
- FICO 500+: credit is a factor, not a gate. A 500-plus score with healthy deposits clears most marketplaces.
- Time in business: generally six-plus months of operating history, which most EMS and NEMT contractors easily meet.
- Minimum advance: commonly around $10,000 and up — enough to cover one to several stretchers, cots, or a stair-chair-plus-accessory order.
Because underwriting is deposit-driven, decisions are quick and funding usually lands in 24 to 48 hours. No offer through a legitimate marketplace is ever guaranteed — approval and terms depend on what your statements show.
Realistic Example: Sizing an Advance to a Cot Purchase
The figures below are illustrative only — for example scenarios to show how operators think about matching funding to a purchase and to route revenue. They are not quotes.
| Scenario (for example) | What's being bought | Monthly revenue (for example) | Advance range (for example) | Repayment feel |
|---|---|---|---|---|
| Single powered stretcher replacement | One refurbished Stryker unit + mount | ~$45,000 | $10,000-$15,000 | Small fixed draft; barely moves weekly cash flow |
| Two-cot fleet add for a new NEMT contract | Two cots + stair chair | ~$80,000 | $25,000-$40,000 | Moderate share of deposits; repays as the new contract ramps |
| Fleet refresh before inspection season | Four stretchers + accessories | ~$150,000 | $50,000-$75,000 | Larger draft; size it so slow weeks still clear comfortably |
The discipline in every row is the same: take only what the equipment need requires, and confirm the repayment draft still leaves room for payroll and fuel on your lowest revenue week, not your average one.
Decision Framework: When Revenue-Based Funding Works Best — and When to Avoid It
It works best when:
- You need the unit now and StretchersRUs is about to ship — speed decides whether you get the inventory.
- You're buying refurbished equipment that a traditional equipment lender discounts or won't finance.
- Your revenue is strong and steady but your cash is temporarily committed to payroll, insurance renewals, or a receivables gap.
- You want to keep the equipment lien-free, or you're buying a mixed cart of gear plus accessories.
- A new contract is starting and the equipment revenue will ramp alongside the repayment.
Avoid it — or pause — when:
- You have time and the unit qualifies for a cheaper equipment loan or lease; lower cost of capital wins when the clock isn't against you.
- Your deposits are thin or erratic — stacking a fixed draft on unstable cash flow is how operators get squeezed.
- You're already carrying an advance and adding another would push total daily/weekly obligations past what a slow week can absorb.
- The purchase is discretionary rather than tied to revenue you can point to.
The honest test: if the equipment either protects existing contract revenue or unlocks new revenue, and the draft survives your worst week, revenue-based funding is doing its job.
Protecting Your Cash Flow While You Repay
Repayment on a revenue-based advance is a share of, or a fixed draft against, your incoming deposits — so the operative skill is matching the obligation to your revenue rhythm, not to a calendar you hope holds. A few underwriter habits worth borrowing:
- Model the low week, not the average. EMS and NEMT revenue swings with call volume and contract timing. Confirm the draft clears when volume dips.
- Don't stack blindly. If you take a second advance before the first is comfortably down, you compound the daily obligation. Space them.
- Tie the funding to the asset's earning life. A cot that runs routes for years shouldn't be financed on terms that pressure a single quarter.
- Keep a buffer. Leave working capital untouched for fuel, payroll, and insurance so a single slow stretch doesn't force another advance.
Done this way, the advance is a cash-flow bridge to an asset that earns — not a hole you're climbing out of.
Frequently asked questions
Can I finance refurbished stretchers and cots, or only new equipment?
Revenue-based financing funds both identically, because it underwrites your deposits and revenue rather than the age or condition of the equipment. That's a real advantage with refurbished Stryker and Ferno units from a reseller like StretchersRUs, since some traditional equipment lenders discount or decline older serial-numbered inventory.
How fast can I get funded before StretchersRUs ships the unit?
Most revenue-based marketplaces decide quickly on your bank statements and fund in 24 to 48 hours. Because StretchersRUs typically ships within one to three business days, that timing usually lets you pay on approval and secure the unit before it moves.
What credit score do I need?
Most programs work with a FICO of 500 or higher when your deposits and monthly revenue are steady. Credit is one input, not the gate — consistent revenue landing in your business account carries the most weight.
What's the minimum I can borrow for an equipment purchase?
Advances commonly start around $10,000, which typically covers one powered stretcher plus a mount, or a stair chair with accessories. Larger fleet purchases scale up from there, sized as a fraction of your monthly revenue.
Is a revenue-based advance cheaper than an equipment loan?
Usually no. An equipment loan or lease that uses the stretcher as collateral generally carries a lower cost of capital and longer terms. Revenue-based funding trades some of that cost for speed, refurbished-unit eligibility, and keeping the equipment lien-free — so it fits best when those factors matter or when a traditional lender won't move fast enough.
How does repayment work, and will it strain my route revenue?
Repayment is a fixed share of, or a set draft against, your incoming deposits, so it moves with your revenue. The key is sizing it to your lowest-volume week, not your average, so a slow stretch of call volume still clears the draft with room left for payroll, fuel, and insurance.
Can I use one advance to buy multiple stretchers plus accessories?
Yes. Because the funding isn't tied to a single titled asset, one advance can cover a mixed cart — several cots, a stair chair, and accessories together — which is harder to do cleanly with an asset-specific equipment loan.
Is approval guaranteed if my business is generating revenue?
No legitimate marketplace guarantees approval or terms. Decisions depend on what your bank statements actually show — deposit consistency, monthly revenue, time in business, and credit. Strong, steady deposits improve your odds and your pricing, but nothing is promised in advance.
