Finance the MOSES 2.0 Laser Your Urology Practice Runs On

The Laser Plus the Fiber Revenue

MOSES fibers and SlimLine fibers are consumed on every case, and that recurring revenue follows the laser you own. Financing the Pulse 120H turns a large cash purchase into a monthly payment while the fiber business runs on top of it.

MOSES 2.0 for Stones and HoLEP

MOSES 2.0 reduces retropulsion in stone cases and drives efficient enucleation for HoLEP and BPH. It is the standard your referring physicians expect. We finance the current Pulse 120H so you are not competing on last-generation equipment.

Terms Matched to Case Revenue

A holmium laser earns from day one. We structure 48 to 72 month terms so the monthly payment sits well under the case and fiber revenue the laser generates, keeping the purchase cash-flow positive from the first month.

Section 179 and All Credit Profiles

The laser generally qualifies for Section 179 and 100% bonus depreciation, so financing it can shelter first-year income. And with 500+ lenders, a challenged credit file gets placed at a higher rate rather than declined.

Holmium has been the urology laser for two decades, but MOSES technology changed how it performs. In a stone case, the holmium pulse creates a vapor bubble, and MOSES modulates the energy so it travels more efficiently through that bubble to the stone. The practical result is less retropulsion, the stone skitters away from the fiber less, so you spend less time chasing fragments and more time ablating. MOSES 2.0 refined this further and added modes tuned for enucleation.

For HoLEP, holmium laser enucleation of the prostate, the Pulse 120H with MOSES 2.0 is the platform most high-volume enucleators run. HoLEP is size-independent, it handles the large glands that would otherwise go to open or robotic surgery, and it has become a durable BPH solution that keeps cases in the office and the surgery center rather than referring them out. Pair the laser with a morcellator like the Lumenis VersaCut and you have a complete enucleation setup.

This is why the equipment choice matters commercially, not just clinically. Referring physicians and patients increasingly ask for laser enucleation by name, and a practice on last-generation equipment competes at a disadvantage. Financing the current Pulse 120H rather than deferring the purchase keeps you on the platform the market expects. We fund the laser, the fibers, and the morcellator together so the whole stone and HoLEP program stands up on one agreement.

Representative holmium and MOSES laser deals placed through our lender network.

1. Lumenis Pulse 120H with MOSES 2.0, Dallas urology group. A four-urologist practice, twelve years in operation, financed $168,000 for the high-power system to anchor its stone and HoLEP program. Lead credit in the low 730s. Approved at 5.74% APR over 60 months with 10% down.

2. Lumenis Pulse 100H, solo urologist. Nineteen years in practice, personal credit in the low 770s, financed $92,000 for a dedicated stone laser. Approved at 5.49% APR over 48 months with no money down.

3. Pulse 120H plus fiber inventory and a VersaCut morcellator, established group. Seven years in operation, credit in the low 700s, financed $185,000 for a complete enucleation setup. Approved at 6.14% APR over 66 months with 10% down.

4. Pulse 120H, newer practice. Two partners three years out of fellowship, personal credit in the mid 680s, financed $135,000 to bring stone and HoLEP cases in house instead of referring them. Approved at 6.49% APR over 72 months with 15% down.

These are real placement structures, not rate guarantees. Your number depends on the practice, the configuration, and current lender appetite.

A holmium laser has two revenue engines, and both start the day it arrives. The first is the case itself. Bringing stone laser lithotripsy and HoLEP in house means the practice captures procedures that would otherwise be referred out, and HoLEP in particular converts BPH patients who might have gone to a hospital for surgery into cases you keep. The second engine is fibers. Every case consumes single-use or reusable fibers, and once you own the laser, that fiber revenue is captured in the practice rather than paid out as a rental or per-click fee. For a group doing steady stone and enucleation volume, fiber margin alone can offset a real share of the monthly payment.

Against those two engines, a $168,000 Pulse 120H financed at 5.74% over 60 months runs roughly $3,200 a month. A practice doing a handful of stone and HoLEP cases a week clears that without strain.

Then the deduction. A surgical laser placed in service generally qualifies for Section 179 expensing, and 100% bonus depreciation currently applies to qualifying equipment. With the Section 179 cap now above $2.5 million, financing a $168,000 laser can shelter a large share of first-year income even though only the down payment left your account. You deploy a fraction of the cost, the laser earns from day one, and the write-off lands in the same year. Confirm the current-year specifics with your CPA.

Banks do not know how to value a surgical laser. To a community lender, a Pulse 120H is an unfamiliar piece of specialized equipment with a resale market they cannot read, so they either decline or attach a short term and a heavy guarantee. We work with lenders who understand urology capex and know exactly what a MOSES system is worth and what it earns.

Across more than 500 lenders, we match the laser deal to the lender who funds it best. For an established group, that usually means a competitive rate from 5.49% APR and a term in the 48 to 72 month range sized against case and fiber revenue. For a practice coming out of fellowship or carrying a challenged personal score, we go to lenders who fund on physician strength rather than business credit depth, and place the deal at a higher rate rather than turning it away. We can roll fiber inventory and a morcellator into the same facility, blend new and refurbished line items, and start most approvals with a soft pull so shopping the deal does not touch your credit. You choose the platform. We structure the payment so the laser is cash-flow positive from the first case.

How much does a holmium or MOSES laser cost?

A Lumenis Pulse 100H generally runs $85,000 to $120,000. The Pulse 120H with MOSES 2.0, the high-power system most stone and HoLEP practices want, typically lands between $130,000 and $185,000 depending on configuration and fiber package. Thulium fiber alternatives like the Olympus SOLTIVE sit in a similar range. We finance all of them from $80,000 to $200,000.

Does financing include laser fibers and a morcellator?

It can. Many practices roll an initial fiber inventory of SlimLine and MOSES fibers into the facility, and HoLEP programs often add a tissue morcellator such as the Lumenis VersaCut on the same agreement. Financing the fibers and morcellator with the laser keeps the whole enucleation and stone setup on one payment.

Can I finance a refurbished Pulse 120H?

Yes. Certified pre-owned Lumenis systems are common approvals and can carry the same term options as new. A refurbished Pulse 100H or 120H is a frequent choice for a second room or a satellite location, and we can place it across our lender network the same way we place new equipment.

What credit score is required?

There is no single cutoff. Established urology groups with strong case volume have funded in the mid 680s, and newer practices coming out of fellowship still get placed. All credit profiles are considered across 500+ lenders. A stronger file earns rates from 5.49% APR, while a challenged score is priced higher rather than turned down.

How does the fiber revenue affect the case for financing?

It is the quiet part of the return. Every stone case and every HoLEP consumes fibers, and once you own the laser, that fiber revenue is yours instead of a rental or per-case fee to someone else. For a practice doing steady stone and enucleation volume, the fiber margin alone can offset a meaningful share of the monthly laser payment.