Nuclear Stress Test Equipment Financing

Rates from 5.49% APR

Qualified cardiology practices lock in fixed financing from 5.49% APR on new and refurbished SPECT systems. Your payment stays flat for the full 24 to 84 month term, so budgeting around MPI volume is simple.

500+ lenders, all credit profiles

We shop your file across more than 500 US lenders. Strong-credit groups get the sharpest rate, and physicians with challenged credit still get funded. One application reaches the whole network.

Same-day decisions, funding in days

Most requests get a credit decision the same business day. Application-only approvals up to $250,000 skip the tax returns, so a mobile-to-fixed upgrade can be funded before your install date.

Keep the technical fee at home

Owning the camera means you bill both the technical and professional components of every myocardial perfusion study instead of referring the revenue out. The equipment pays for itself out of scan volume.

Every myocardial perfusion study you refer out is a technical fee the hospital keeps. Own the camera and you bill both the technical and professional components under your own roof. That is the entire case for financing a SPECT system, and it is why in-office nuclear cardiology has been one of the stickiest investments in the specialty.

The hardware choices are well understood. The GE Discovery NM 530c is a cardiac-dedicated CZT solid-state camera prized for low-dose protocols and fast acquisitions. The Digirad Cardius 3 XPO is a triple-head solid-state system that images patients upright and can run mobile or fixed, which is why so many groups start mobile and convert. Pair either with a treadmill stress system (GE CASE, Quinton) for exercise studies, and keep regadenoson on hand for pharmacologic stress on patients who cannot walk.

Throughput is the real driver. A dedicated cardiac camera and an organized stress protocol let a busy group run same-day rest-stress imaging without shipping patients across town. When you finance rather than pay cash, you protect working capital for staff, tracer supply, and ICANL accreditation costs while the scanner starts billing from week one. The payment is fixed, the volume is yours, and the referral leak stops.

Real cardiology deals we placed. Every rate reflects the practice's credit profile and the equipment, and none of these are guaranteed offers.

• Tampa, FL, 14-year cardiology group: mobile-to-fixed upgrade to a GE Discovery NM 530c, $178,000. Credit 742, 5.74% APR, 60 months, 10% down.
• Solo cardiologist, Ohio, 9 years: refurbished Digirad Cardius 3 XPO plus a treadmill stress system, $92,000. Credit 688, 6.49% APR, 66 months, $5,000 down.
• Three-physician group, Arizona, 21 years: new gamma camera and treadmill stress suite, $205,000. Credit 765, 5.49% APR, 72 months, 15% down.
• Startup practice, 2 years open: refurbished mobile SPECT unit, $64,000. Credit 705, 6.24% APR, 48 months, 10% down.

The Tampa group is the textbook path: they ran a mobile SPECT service for two years, watched the referral revenue leave, then financed a fixed camera they own outright. The payment came in under what they were paying the mobile vendor per day.

Nuclear MPI is high-value billing. A single rest-stress study carries a meaningful technical component, and a group running even a handful of studies a week recovers the equipment cost quickly. Model your own numbers: multiply your realistic weekly study volume by your blended technical plus professional collection, subtract tracer and staff cost, and compare the monthly margin to the financing payment. For most groups the scanner clears its payment several times over.

Then there is the tax side. Section 179 lets your practice deduct the full purchase price of qualifying equipment in the year it is placed in service, and the annual limit sits well above $1,000,000, which comfortably covers a $200,000 SPECT suite. Layer in bonus depreciation and a large share of the cost can come off this year's taxable income. Financed equipment still qualifies, so you can deduct the full price while paying over 60 months, which is one of the reasons doctors finance instead of paying cash.

Run the exact figures with your CPA before you file. The combination of monthly scan margin and a first-year write-off is what turns a $200,000 camera into a straightforward yes.

The process is built to be fast because install dates do not wait. You send a one-page application and a quote or invoice from your equipment vendor, whether that is GE, Digirad, or a refurbisher. For requests up to $250,000 we usually work application-only, so no tax returns and no financials. We take that file to our network of 500+ lenders and come back with options, typically the same business day.

You choose the structure that fits: 24 to 84 months, from 5.49% APR for qualified practices, with a term that matches how you think about the equipment's useful life. Want the lowest payment. Stretch the term. Want to own it faster. Shorten it. We can also build in deferred or step payments so the first few months are light while you ramp scan volume.

Once you accept, funding hits within a few business days and the vendor gets paid so your install stays on schedule. New practices, established groups, and physicians with challenged credit all run through the same door. One application, the whole lender network, a fixed payment, and a camera that starts billing the week it is turned on.

How much does it cost to finance an in-office SPECT system?

It depends on the equipment. A refurbished mobile SPECT unit starts around $60,000, a fixed GE Discovery NM 530c or Digirad Cardius runs $120,000 to $180,000, and a full new suite with a treadmill stress system can pass $200,000. On a 60 month term from 5.49% APR, a $150,000 system lands near $2,850 a month before your Section 179 benefit.

Can I finance both the gamma camera and the treadmill stress system together?

Yes. We bundle the camera, the treadmill or pharmacologic stress setup, the acquisition workstation, installation, and even the first year of service into one loan and one monthly payment. There is no reason to run three separate agreements.

Do you finance refurbished or mobile-to-fixed conversions?

We do both. Plenty of cardiology groups start with a mobile SPECT service, prove the volume, then convert to a fixed camera they own. We funded exactly that upgrade for a Tampa practice over 60 months. Refurbished GE and Digirad cameras are fully financeable.

My credit is not perfect. Can my practice still qualify?

Very likely yes. With 500+ lenders we place files across all credit profiles, including newer practices and physicians rebuilding after a rough stretch. Rate and term move with the file, but a bruised score alone does not stop an approval.

How fast can we close?

Application-only approvals up to $250,000 often come back the same day, and funding follows within a few business days once you accept terms. A two to three day close is realistic when your paperwork is ready.