OCT Financing That Starts Earning on Day One

Approvals in 24 to 48 Hours

Send us two years of ownership and a quote for your Cirrus 6000 or Spectralis. Most eye care files get a decision inside two business days, and clean credit often clears same day.

500+ Lenders, All Credit Profiles

We are a broker, not a single bank. Strong practices see rates from 5.49% APR, and we place challenged credit, newer offices, and startups that a direct lender would decline.

Section 179 Friendly Structures

An equipment finance agreement or capital lease can let you deduct the full purchase price the year the OCT is placed in service. Ask your CPA how your structure interacts with Section 179.

Ramp and Deferred Payment Options

New location or adding a second lane? We build 60 or 90 day deferred starts and step payments so the scan revenue arrives before the full payment does.

An OCT does not wait for a marketing campaign to pay off. Optic nerve scans bill under CPT 92133 and retina scans under 92134, and Medicare reimburses roughly 40 dollars per test in most regions. A clinic running 20 medically necessary scans a day is generating real ancillary revenue before lunch. The Zeiss Cirrus 6000 pushes 100,000 A-scans per second, and its AngioPlex module adds OCT angiography without dye, which matters for the diabetic and wet AMD patients you would otherwise refer out. The Heidelberg Spectralis brings TruTrack active eye tracking and multimodal imaging, so your RNFL and macular thickness maps register to the same spot visit after visit. That registration is the whole point of glaucoma work: the Guided Progression Analysis on the Cirrus and the progression maps on the Spectralis only mean something when today's scan lines up with last year's. If you treat DME, monitor drusen, or follow suspects with borderline cup to disc ratios, the scan is the exam. Financing simply moves the purchase off your operating cash so the billing starts while the note is being paid down. That is why OCT is usually the first machine we tell a new lane to finance rather than buy outright.

Every deal below is representative of files we place. Terms depend on credit, time in practice, and the equipment.

Phoenix, AZ optometry, 9 years in practice: 78,000 dollar Zeiss Cirrus 6000, owner FICO 748. Approved at 5.74% APR, 60 months, first payment deferred 30 days, roughly 1,495 per month. Scan volume covered that payment inside the first month.

Columbus, OH retina practice, 14 years: 142,000 dollar Heidelberg Spectralis with OCT angiography, owner FICO 766. Approved at 5.49% APR, 60 months, 10 percent down, about 2,510 per month.

Startup optometry, TX, under 2 years open, owner FICO 704: 54,000 dollar refurbished Cirrus 5000 HD. Approved at 6.69% APR, 48 months, 5,000 down. A direct bank had already declined the file for thin time in business.

Group practice, FL, 21 years, FICO 781: 96,000 dollar Cirrus 6000 added to a second location. Approved at 5.24% APR, 66 months, no money down. Rates like these are not promised to every file. They reflect the profile, the equipment, and the lender we matched to each deal.

Run the numbers before you sign anything. Say your Cirrus 6000 costs 78,000 dollars financed at 5.74 percent over 60 months, roughly 1,495 a month. At about 40 dollars per scan under 92133 and 92134, it takes around 38 medically necessary scans a month to cover the payment. A single glaucoma and diabetic panel most weeks clears that. Everything above break even is margin, and the machine keeps billing long after the note is retired at month 60.

Then there is the tax side. Section 179 of the IRS code lets a practice deduct the full purchase price of qualifying equipment in the year it is placed in service, up to a cap that exceeded 1.2 million dollars in 2025 and is indexed higher for 2026. Bonus depreciation can apply on top for larger buys. On a 78,000 dollar OCT, a practice in a 32 percent bracket could see a five figure reduction in tax owed the same year the scanner arrives. The structure matters: an equipment finance agreement or a dollar buyout lease is generally treated as a purchase for Section 179, while a true operating lease is not. We build the paperwork with that in mind, but confirm the specifics with your CPA.

Brobas Capital Partners is an equipment finance broker, not a single lender, and for OCT that difference is the whole game. We hold relationships with more than 500 funding sources: national medical equipment lenders, community banks, and specialty desks that actually know what a Spectralis is worth on the resale market. One application goes out to the desks most likely to approve your profile, so you are not filling out a dozen forms or collecting a dozen hard inquiries.

Qualified practices see rates from 5.49 percent APR. If your credit is challenged, if you are newly opened, or if you had a rough year, we still have a home for the file, just at a different rate and structure. Terms run 24 to 72 months. We finance new, demo, and refurbished units, and we roll in the extras that direct lenders often exclude: AngioPlex or OCT angiography modules, progression analysis software, tables, and multi year service contracts. Deferred starts of 60 to 90 days and seasonal step payments are available for new lanes and expansions. Most files are approved in 24 to 48 hours and funded the day the machine is delivered and installed. Nothing here is a guaranteed rate, every offer depends on the file, but our job is to get you the strongest one available.

How much does it cost to finance a Zeiss Cirrus 6000?

A new Cirrus 6000 typically runs 60,000 to 95,000 dollars depending on modules, and a refurbished Cirrus 5000 or 6000 can start around 45,000. Financed at 5.74% APR over 60 months, a 78,000 dollar unit lands near 1,495 a month. Your exact payment depends on credit, term, and down payment.

Can I finance a used or refurbished OCT?

Yes. We finance new, demo, and certified refurbished OCT systems, including refurbished Cirrus 5000 HD and Spectralis units from roughly 45,000 dollars. Used equipment is one of the areas where a direct bank often says no and a broker with 500+ lenders says yes.

What credit score do I need?

There is no single cutoff. Strong practice owners, generally 720 and up with solid time in business, see our best pricing from 5.49% APR. Challenged credit and newer practices are still fundable, usually at a higher rate or with a down payment. We place all credit profiles.

Does OCT financing qualify for Section 179?

In most cases yes. An equipment finance agreement or dollar buyout lease is generally treated as a purchase, so the full price of the OCT can be deducted the year it is placed in service under Section 179. Confirm your specific situation with your CPA.

How fast can the machine be funded?

Most eye care applications get a decision in 24 to 48 hours, sometimes same day for clean credit. We fund the day the OCT is delivered and installed, so the scanner starts billing without waiting on paperwork.

Can you finance the OCT angiography upgrade or software modules?

Yes. We roll in AngioPlex or OCT angiography modules, Guided Progression Analysis software, tables, and multi year service contracts, so the whole configuration is one payment rather than a separate cash outlay.