Your Excimer Is the Whole Business

Ramp and Step Payments for New Centers

Open with light payments and step them up as the schedule fills. Ramp structures and 60 to 90 day deferred starts are standard on refractive deals while your marketing engine spins up.

500+ Lenders, All Credit Profiles

A single bank chokes on either the dollar size or a young practice's history. As a broker we route one application to the desks that fund six figure refractive deals, from 5.49% APR.

Finance the Whole Suite

We wrap the excimer, the FS200 femtosecond laser, the iDesign or wavefront unit, treatment cards, and multi year service into one structure so your cash is not tied up in per procedure fees.

Section 179 on a Big Ticket Buy

On a 300,000 dollar plus purchase, Section 179 plus bonus depreciation can produce a very large first year deduction. Timing the install before year end matters, so plan it with your CPA.

In refractive surgery there is no ancillary revenue to fall back on. There is one procedure, it is elective, patients pay cash, and it happens because your excimer can carve a cornea to a fraction of a micron. That is why the laser is not equipment, it is the enterprise. The Alcon WaveLight EX500 ablates at 500 Hz with a 0.54 mm Gaussian beam and multidimensional eye tracking at roughly 1050 Hz, which is what lets you run a Contoura Vision topography guided treatment without chasing saccades. Pair it with the WaveLight FS200 femtosecond laser and you have flap and ablation in one integrated suite under one foot pedal.

The Johnson and Johnson iDesign Refractive Studio is the other half of the market. It captures a high resolution Hartmann Shack wavefront plus corneal topography, keratometry, and pupillometry in a single capture, then drives the STAR S4 IR excimer for wavefront guided iLASIK. Surgeons choose between the platforms on feel, patient mix, and the treatments they want to offer, but the financing math is the same: a six figure machine whose only job is to produce four and five figure cash cases. Get the laser installed and calibrated, get patients in the chair, and the economics take care of themselves. The whole trick is surviving the ramp, and that is exactly where structure matters.

Representative refractive files we have funded. Rates and structure depend on credit, time in practice, and the platform.

Dallas, TX refractive practice, 8 years: 465,000 dollar WaveLight EX500 and FS200 suite, owner FICO 761. Approved at 5.79% APR, 72 months, 10 percent down, with a ramp schedule that held payments low for the first six months while the marketing engine spun up. Payment stepped to roughly 6,900 a month after the ramp.

Miami, FL, 12 years, FICO 774: 310,000 dollar refurbished WaveLight EX500. Approved at 5.54% APR, 72 months, no money down, about 5,080 per month.

Nashville, TN, 15 years, FICO 782: 395,000 dollar J&J iDesign Refractive Studio with a STAR S4 IR. Approved at 5.49% APR, 84 months, 10 percent down.

Startup surgeon, AZ, under 3 years open, FICO 728: 340,000 dollar refurbished excimer and femto suite. Approved at 6.49% APR, 60 months, 15 percent down, first payment deferred 90 days. A bank had already declined the file for limited operating history. None of these numbers are promised sight unseen. Each reflects the file we placed.

The margin on refractive surgery is what makes a six figure laser sane. Bladeless LASIK runs roughly 2,000 to 2,500 dollars per eye in most US markets, call it 4,500 dollars a patient, all cash, no insurance discount, no accounts receivable. Subtract your per procedure femtosecond and treatment card fees and you still keep the majority. A 465,000 dollar suite financed at 5.79 percent over 72 months costs about 6,900 a month. At 4,500 dollars a case with healthy margin after click fees, you cover that monthly payment on roughly two patients. Everything past that is profit, and the constraint is not the machine, it is how fast you fill the chair. That is exactly why we ramp the payment: keep it light while volume is thin, step it up as the schedule fills.

The tax side is significant at this ticket. Section 179 lets you expense qualifying equipment in the year it is placed in service, and bonus depreciation can cover much of the rest on a purchase this size. On a 400,000 dollar suite, the first year deduction can be very large, which is why timing an install before year end matters. The benefit depends on how the deal is structured, purchase versus true lease, and on your practice's tax position, so run the actual numbers with your CPA before you count on them.

A 300,000 to 550,000 dollar excimer is not a swipe your card purchase, and a single bank will often choke on either the dollar amount or a young practice's history. Brobas Capital Partners is a broker with more than 500 funding sources, including the specialty desks that understand refractive equipment and its resale value. We take one application and route it to the lenders most likely to fund your size and profile, then negotiate the structure.

Qualified practices see rates from 5.49% APR. Newer centers and challenged credit are still fundable, usually with more down or a shorter term. We finance the whole suite: the excimer, the femtosecond laser, the iDesign or wavefront unit, treatment cards, and multi year service contracts. Terms run 60 to 84 months on large refractive files, and ramp, step, and 60 to 90 day deferred structures are standard for new centers building volume. Approvals on six figure deals typically come back in 24 to 48 hours with full financials. Nothing is a guaranteed rate, a machine this size is underwritten on the real numbers, but our job is to find the lender that prices your excimer best and structures it so the ramp does not break you.

How much does it cost to finance a WaveLight EX500?

A single WaveLight EX500 typically runs 300,000 to 400,000 dollars, and a full suite with the FS200 femtosecond laser can reach 550,000. Financed around 5.79% APR over 72 months, a 465,000 dollar suite is roughly 6,900 a month before any ramp structure, subject to credit and down payment.

Can you finance the femtosecond laser and click fees too?

Yes. We finance the full refractive suite, the excimer, the FS200 or other femtosecond laser, and the iDesign or wavefront unit, and we can factor treatment cards and multi year service into the structure so your cash is not tied up in per procedure fees.

I am opening a new LASIK center. Can payments ramp up?

Yes. Ramp schedules, step payments, and 60 to 90 day deferred starts are standard on refractive deals. We hold the payment low while your marketing builds chair volume, then step it up as cases come in. That is exactly how we structured our Dallas WaveLight deal.

What credit do I need for a laser this size?

Six figure refractive files are underwritten on real financials, not just a score. Strong practices see rates from 5.49% APR. Newer surgeons and challenged credit are still fundable, usually with more down or a shorter term. We place all credit profiles.

Does a 350,000 dollar excimer qualify for Section 179?

Section 179 covers qualifying equipment up to an annual cap, and bonus depreciation can cover much of the balance on a purchase this large, which is why install timing before year end matters. The benefit depends on structure and your tax position, so plan it with your CPA.

New or used excimer?

Both. We finance new, demo, and refurbished excimer and femtosecond platforms, including preowned WaveLight EX500 and STAR S4 IR systems, which can bring the entry cost of a refractive suite down substantially.