Digital X-Ray Financing for the Practices Reading Their Own Films

Room or Panels Only

You do not have to replace the whole suite. Finance a complete DR room or just retrofit Canon or Fujifilm wireless panels onto your existing generator and table.

Rates From 5.49% APR

Qualified radiology and orthopedic practices see rates from 5.49% APR. Pricing depends on credit, time in business, and the equipment, and is never guaranteed.

App-Only Up to $250K

Most digital x-ray requests fund on a one-page application with no tax returns and no financial statements, so you keep working while the deal moves.

Section 179 Friendly

New and refurbished DR equipment typically qualifies for Section 179 expensing, so the year-one tax deduction can offset a large part of your payments. Confirm with your CPA.

The jump from computed radiography to digital radiography is not just faster imaging, it is a different workflow. A wireless Canon CXDI-720C or Fujifilm FDR D-EVO III panel puts the image on the acquisition workstation in seconds, no cassette to carry, no reader to feed. Retake rates fall because the tech sees the exposure immediately, which also means less repeat dose. For orthopedics that lives on weight-bearing knee, hip, and spine views, and for long-length stitching on scoliosis and hip-to-ankle alignment, the detector and software matter as much as the generator.

The reason practices finance rather than pay cash is simple. A full DR room is $90,000 to $150,000, and even a panel-only retrofit is $30,000 to $55,000. Pulling that out of operating reserves right before payroll or a slow quarter is avoidable. Financing spreads it over 48 to 60 months, keeps your line of credit open for real emergencies, and lets the equipment start earning before it is fully paid for. With more than 500 lenders behind us, we can structure a clean room upgrade, a portable add, or a two-location rollout as one approval instead of forcing you to choose one site now and the other later.

Every deal below closed through Brobas. Details are representative of recent digital x-ray fundings.

• $131,400, Charlotte, NC orthopedic group, 14 years in practice. Owner FICO 748. Full Canon CXDI-Elite DR room plus two CXDI-720C wireless panels split across two offices. 5.69% APR, 60-month term, $0 down with the first payment deferred 60 days.
• $74,800, Mesa, AZ urgent care, 6 years in practice. Owner FICO 705. Fujifilm FDR Go PLUS portable and one FDR D-EVO III panel. 6.24% APR, 48-month term, 10% down.
• $52,500, Columbus, OH sports medicine clinic, 9 years in practice. Owner FICO 731. Retrofit of two existing rooms with Canon CXDI wireless panels, moving both off CR. 5.49% APR, 48-month term, $0 down.
• $96,000, Boise, ID urgent care startup, 2 years in practice. Owner FICO 690, a challenged credit profile we still placed. Carestream DRX-Evolution Plus room. 6.89% APR, 60-month term, 15% down.

Rates and terms reflect each borrower's credit, time in practice, and equipment mix, and are not a guarantee of what your practice will be offered.

A DR upgrade pays for itself in throughput and captured revenue. When a study drops from a two to three minute cassette cycle to a few seconds, an ortho or urgent care room pushes more patients through the same schedule, and a lower retake rate means less repeat dose and less wasted time. Practices that read and bill their own radiographs recover the technical component faster, and cleaner images support the read. On the payment math, a $131,400 room at 5.69% over 60 months runs near $2,520 a month, and a handful of extra billable studies a day usually clears that.

Then there is the tax side. Under Section 179, most practices can expense the full cost of qualifying new or used DR equipment in the year it is placed in service, subject to the annual cap, which sits above $1.25 million for 2026. Current law also allows 100% bonus depreciation on qualifying equipment. For a practice in a 32% bracket, a $131,400 write-off can mean roughly $42,000 less in federal tax, while the equipment is financed and the cash stays in the practice. Confirm the specifics with your CPA, since limits and your situation vary.

Before you sign anything, look past the sticker. A few things worth verifying:

• Detector type and DQE. Cesium iodide detectors give higher detective quantum efficiency and lower dose than gadolinium oxysulfide, which matters for pediatric and repeat imaging.
• Wireless versus tethered panels. Wireless CXDI-720C or FDR D-EVO panels move between rooms and the table, but confirm battery life and the charging workflow before you commit.
• Stitching and long-length imaging. For scoliosis and long-leg alignment, make sure the software stitches full-spine and hip-to-ankle views cleanly.
• Generator output. A 40 kW to 65 kW generator handles heavier body habitus and cross-table lateral shots that a low-output unit will struggle with.
• PACS and DICOM integration. Confirm the acquisition workstation talks to your PACS and EMR without a paid bridge you did not budget for.
• Weight-bearing capability. Orthopedics depends on standing knee, hip, and spine views, so the room layout has to support them.

We fold installation, PACS integration, and applications training into the amount financed so you are not paying those out of pocket after the fact.

Can I finance just the retrofit panels instead of a whole room?

Yes. Many practices keep their existing generator and table and only finance the wireless detectors, such as Canon CXDI-720C or Fujifilm FDR D-EVO III panels, to move off CR. Panel-only jobs typically fall in the $30,000 to $55,000 range and fund app-only.

Do you finance refurbished or only new DR equipment?

Both. We fund new Canon and Fujifilm rooms as well as quality refurbished DR systems, including Carestream and Konica Minolta. Refurbished units let a cost-conscious urgent care or startup get to digital at a lower monthly payment.

What credit score do I need?

There is no single cutoff. Strong owner credit earns the best pricing, but we place challenged credit profiles too. We have funded owners in the high 600s at higher rates and with a down payment. All credit profiles get a real look across our lender network.

How fast can we fund?

App-only approvals often come back the same day, and funding to the equipment vendor commonly happens within two to five business days once documents are signed. Larger full-room builds that require a few extra items can take a little longer.

Can a new or newer practice qualify?

Yes. Time in practice helps, but we regularly fund practices under two years old. Newer borrowers and challenged credit usually see a higher rate and a 10% to 15% down payment, which we tell you up front.

Does the financing cover installation, PACS integration, and training?

It can. We roll installation, DICOM and PACS integration, and applications training into the amount financed so you are not paying those out of pocket after the equipment lands. Soft costs bundled into one payment is the norm on these deals.