Finance a DEXA Bone Density Scanner and Bill Your Own Osteoporosis Panel

Bill the Scan Instead of the Referral

Every DEXA study you run in-office is CPT 77080 revenue that used to leave with the referral. Financing turns a Hologic Horizon or GE Lunar iDXA into a billable service line without a large cash outlay.

Terms Matched to Your Scan Volume

We do not drop a generic template on every deal. If you project 8 to 12 scans a week, we size the term and payment so the machine covers itself as volume ramps rather than straining the practice on day one.

All Credit Profiles Reviewed

With more than 500 lenders in the network, we place strong practices and challenged credit alike. A newer practice or a lower score does not end the conversation, it changes which lender we route you to.

Section 179 and 100% Bonus Depreciation

A DEXA unit is qualifying equipment. Most practices can deduct the full purchase price in the year it is placed in service, which often offsets a meaningful share of the first-year payments. Confirm specifics with your CPA.

Pricing tracks the platform and what you add to it. A new Hologic Horizon (models W, Ci, and A) generally runs from about $70,000 to $120,000, with the higher end reflecting vertebral fracture assessment and body composition analysis. The GE Lunar iDXA and its Prodigy line sit in a similar band, roughly $60,000 to $110,000 new. Certified refurbished units, including the older Hologic Discovery and QDR series, open the door at $45,000 to $70,000 for practices that want the capability without the new-system premium.

Beyond the gantry, budget for the pieces that make it clinical: the acquisition workstation and analysis software, adequate exam-room clearance, staff training, and an ACR accreditation cycle if you plan to bill Medicare. None of that needs to come out of operating cash. We routinely bundle software, install, and training into the financed amount so the practice has a single monthly figure. A realistic all-in for a fully equipped new Horizon or iDXA suite lands between $80,000 and $120,000, and that is the number we build the term around.

Run the arithmetic a rheumatologist actually cares about. Medicare reimbursement for a DEXA study (CPT 77080) varies by region but generally lands in the $40 to $140 range for the technical and professional components combined, with commercial payers often higher. A practice that reads 10 scans a week is billing on the order of 500-plus studies a year. Even at conservative reimbursement, that is revenue that previously walked out the door with every osteoporosis referral, plus the follow-up scans you now capture at 12 and 24 months to track treatment response.

On the tax side, Section 179 lets a practice deduct the full cost of qualifying equipment in the year it is placed in service rather than depreciating it over several years. Under the 2025 tax law the Section 179 limit was raised to $2,500,000 and 100% bonus depreciation was restored, so a DEXA unit well under those caps can typically be written off in year one. For a practice in a 32% bracket, an $84,000 scanner can translate to a five-figure first-year tax reduction that offsets a large share of the payments you make that year. Financing lets you take the full deduction while spreading the cash outlay. Always confirm the current-year specifics with your CPA.

Real deals we placed, structured to the practice rather than a template:

• $84,500 Hologic Horizon W for an 11-year Columbus, Ohio rheumatology group. Managing partner credit 742, approved at 5.74% APR over 60 months, first payment deferred 60 days with no money down.
• $61,200 GE Lunar iDXA for a 6-year Scottsdale, Arizona endocrinology practice. Owner credit 705, 6.19% APR over 48 months with 10% down.
• $112,000 Hologic Horizon A with vertebral fracture assessment and body composition for a 9-year Raleigh, North Carolina women's health group. Credit 728, 5.89% APR over 60 months, $5,000 down.
• $53,000 certified refurbished Hologic Discovery for a 4-year solo OB-GYN in Tampa, Florida. Credit 690, 6.64% APR over 48 months with 5% down.

Different practices, different scores, different structures. What they share is that the payment was sized to the scan volume each office could realistically run, not to a number a bank pulled off a rate sheet.

The process is built to stay out of your clinic day. Application-only up to about $150,000 means a one-page form and no tax returns for most requests, with a decision usually inside 24 to 48 hours. We shop the file across the network rather than sending it to a single bank, which is how a 705 score and a 742 score both find a home at a competitive rate.

Structures we use often:

• Deferred first payment, 60 to 90 days, so the scanner is generating studies before the first payment is due.
• Step or seasonal payments for practices with predictable slow months.
• $1 buyout for owners who intend to keep the machine for its full life, or an FMV lease for those who want to refresh the technology sooner.

We finance new, demo, and OEM-certified refurbished Hologic and GE systems, and we can bundle software, install, and training. All credit profiles are reviewed. If the machine will pay for itself in scans, our job is to make the payment fit under that revenue with room to spare.

What credit score do I need to finance a DEXA scanner?

There is no single cutoff. Strong files in the 720-plus range see our lowest rates, from 5.49% APR, while practices with challenged credit still fund through lenders that weigh practice cash flow and time in business. We review all credit profiles.

Can I finance a refurbished Hologic or GE Lunar system?

Yes. We regularly fund refurbished Hologic Horizon and Discovery units and GE Lunar systems from OEM-certified sources. Expect rates to run slightly higher than a new unit, often in the 6% to 7% range for the same credit profile.

Does the financing cover installation and software?

It can. Vertebral fracture assessment, body composition software, the workstation, and install can be bundled into the amount financed, so you have one payment rather than separate invoices.

How fast can I get approved?

Application-only approvals up to roughly $150,000 often come back same day or next business day. A DEXA acquisition usually clears well inside that range, so most practices have terms in hand within 24 to 48 hours.

Can a brand-new practice qualify?

Yes. Startup and newer practices fund regularly, sometimes with a modest down payment or a personal guarantee. Time in practice affects rate and structure, not whether the deal happens.