Bronchoscopy and EBUS Equipment Financing, Built for Pulmonologists

One term for the whole stack

Bundle the EVIS X1 processor, light source, monitor, cart, diagnostic and therapeutic scopes, and reprocessing into a single monthly payment instead of chasing four separate vendor invoices.

EBUS financed alongside the scope

Convex EBUS systems like the Olympus BF-UC190F and EU-ME2 processor add 100,000 dollars fast. We fold the ultrasound processor and Vizishot needles into the same facility so staging stays in-house.

Payments matched to case volume

New EBUS-TBNA and navigational bronch volume ramps over months. We can defer the first payment 60 to 90 days so the equipment is billing before the note ever comes due.

All credit profiles considered

A soft personal score or a thin practice file does not end the conversation. With 500-plus lenders we underwrite the practice, the collateral, and the cash flow, not just a FICO number.

A working bronchoscopy suite is more than a scope. You need the video platform (most groups standardize on the Olympus EVIS X1 with the CV-1500 processor and CLV-S200 light source), at least one diagnostic scope such as the BF-H190 or the slimmer BF-P190 for peripheral airways, and a therapeutic channel like the BF-1TH190 when you are managing bleeds or placing stents. The moment you add linear EBUS, the BF-UC190F convex probe scope and the EU-ME2 ultrasound processor push the project past 100,000 dollars on their own.

Then there is everything nobody quotes up front: the reprocessing side (an automated endoscope reprocessor, leak testers, storage), Vizishot 2 aspiration needles in 21G and 22G, cautery or an ERBECRYO 2 cryoprobe, and the cart itself. Financing the program as a package keeps all of it on one schedule and one payment.

We see two clean paths. Diagnostic-first practices start with a tower and one or two scopes, then add EBUS once the referral pattern proves out. Staging-heavy interventional groups finance the EBUS set from day one because CPT 31652 and 31653 volume justifies it. Either way, the point is the same: keep the biopsy, the staging, and the airway work inside your four walls instead of sending the paying procedure across town.

A sample of pulmonology equipment deals we have closed. Rates depend on the practice profile and are never guaranteed.

• Denver, CO, interventional pulmonology group (9 years in practice): 168,000 dollars for a full Olympus EVIS X1 tower plus a BF-UC190F EBUS scope and EU-ME2 processor. Owner FICO 712. Approved at 5.74% APR, 60 months, 10 percent down.
• San Antonio, TX, solo pulmonologist (3 years): 74,500 dollars for an EVIS tower with a BF-H190 diagnostic scope and cart. FICO 668. Approved at 6.24% APR, 48 months, no money down with the first payment deferred 60 days.
• Columbus, OH, two-physician practice (14 years): 52,000 dollars to outfit three rooms with an Ambu aScope 5 Broncho single-use program and aBox 2 displayers. FICO 690. Approved at 5.99% APR, 36 months, 5 percent down.
• Sacramento, CA, pulmonary and critical care group (6 years): 121,000 dollars for an EVIS tower, a therapeutic BF-1TH190 scope, and an ERBECRYO 2 cryotherapy unit. FICO 655. Approved at 6.49% APR, 60 months, 10 percent down.

Different scores, different structures, all funded. That is the point of working 500-plus lenders instead of one bank.

The math on in-house bronchoscopy is straightforward once the referrals stop leaving. A linear EBUS staging case (CPT 31652 for one to two node stations, 31653 for three or more, often with 31654 for the ultrasound guidance) reimburses meaningfully more in your facility than the pittance you collect sending the patient to a hospital outpatient department. Diagnostic bronchoscopy under 31622, transbronchial biopsy under 31628, and navigational add-ons stack on top. Practices that were referring two or three stagings a week routinely cover a 60-month payment on EBUS-TBNA volume alone.

Then the tax side. Under Section 179, a practice can deduct the full purchase price of qualifying equipment placed in service the same tax year, up to the 2026 cap of 2.5 million dollars, rather than depreciating a scope tower over five years. On a 168,000 dollar EBUS build, a practice in a 32 percent bracket is looking at roughly 53,000 dollars of first-year tax savings. One hundred percent bonus depreciation is back for equipment placed in service after January 19, 2025, which covers anything above the Section 179 cap. Financed equipment still qualifies, so you can write off the full price this year while paying for it over five. Confirm the specifics with your CPA, but the combination is why most of our pulmonology clients buy before year end.

There is a real strategic split in bronchoscopy right now, and financing follows the model you choose.

Reusable fleet. Groups doing steady volume still favor the Olympus EVIS platform with a small set of reusable scopes. The capital cost is higher, but per-procedure cost drops as volume climbs, and image quality on the X1 is hard to beat for peripheral navigation and EBUS. We finance the tower and scopes together and size the term to five years so the payment sits comfortably under monthly procedure revenue.

Single-use. Infection control pressure and the hassle of reprocessing have pushed many practices, ICUs, and bronch-in-multiple-rooms setups toward the Ambu aScope Broncho line with aBox 2 or aView displayers. The scopes themselves are a consumable, but the displayers and carts are capital, and we finance that hardware plus a stocking order so you can go live across several rooms at once.

Hybrid. Plenty of our clients run reusable EBUS and therapeutic scopes for scheduled cases and keep single-use scopes on the shelf for bedside and after-hours work. We can structure one facility that covers the reusable platform and the single-use displayers in a single payment. The financing should fit the clinical model, not force one on you.

What bronchoscopy equipment can I finance?

Effectively the whole program. Olympus EVIS X1 video towers, diagnostic and therapeutic scopes (BF-H190, BF-P190, BF-1TH190), convex EBUS systems (BF-UC190F with the EU-ME2 processor), single-use Ambu aScope lines with aBox 2 displayers, cryotherapy units, carts, and reprocessing equipment. New, used, or refurbished all qualify.

Can I finance an EBUS system on the same term?

Yes, and most groups do. We roll the convex EBUS scope, the ultrasound processor, and even a stocking order of Vizishot needles into the same facility as the tower, so your staging capability arrives on one payment instead of two separate purchases.

Do you finance single-use scopes like Ambu aScope?

The single-use scopes themselves are a consumable, but the capital hardware around them, the aBox 2 or aView displayers, carts, and monitors, is financeable, and we can include an initial stocking order so you can launch across multiple rooms at once.

Will a low credit score stop the deal?

Not on its own. We underwrite the practice, the collateral, and the cash flow, and we work with all credit profiles. Challenged credit carries higher pricing, which we disclose up front, but a soft personal score rarely ends a well-run pulmonology deal.

How fast can you fund?

Smaller deals under 150,000 dollars often approve within a day or two on an application only. Larger EBUS builds may need bank statements or tax returns, and typically close within a week once we have the quote and financials.