From an In-Office OCT to a Full LASIK Suite, We Fund the Whole Eye Practice

We Know Eye Equipment, Line by Line

Diagnostics, phaco, femto, excimer, and YAG each carry a different price, a different room requirement, and a different revenue profile. We package each correctly, so a Zeiss Cirrus OCT and an Alcon LenSx are not lumped into one generic quote that costs you on rate.

Diagnostic, Surgical, and Refractive on One File

An OCT, a Centurion phaco system, a LenSx femto laser, a WaveLight excimer, and a YAG can all go on a single approval. You stop juggling separate lenders for the diagnostic lane and the surgical suite, and the buildout rides along too.

Terms Timed to Cataract and Refractive Revenue

Cataract carries Medicare and premium IOL upgrade dollars, while LASIK is cash pay up front. We structure the term and any ramp so payments track the way surgical volume and refractive deposits actually land, not a flat manufacturer schedule.

500+ Lenders, All Credit Profiles

Whether you are an established cataract surgeon with pristine credit or a younger comprehensive ophthalmologist with a challenged credit profile, we place files across more than 500 lenders. One decline never ends the deal.

Eye practices split into three capital lanes, and each finances differently. Diagnostics come first: a Zeiss Cirrus 6000 or Heidelberg Spectralis OCT runs $75,000 to $130,000, a Zeiss IOLMaster 700 biometer adds $60,000 to $95,000, and a topographer or visual field rounds it out. These are the workhorses that bill the day you plug them in.

Cataract is the surgical core. An Alcon Centurion Vision System or J&J Whitestar Signature Pro phaco platform lands $90,000 to $160,000, a Zeiss OPMI Lumera or Alcon NGENUITY 3D microscope adds $120,000 to $250,000, and a femtosecond cataract laser like the Alcon LenSx or J&J Catalys pushes $450,000 to $550,000 installed.

Refractive is its own build. Pairing an Alcon WaveLight EX500 excimer with the WaveLight FS200 femto flap laser runs past $400,000 for the two, before the suite. A YAG from Ellex, Lumenis, or Nidek for capsulotomies is a smaller $25,000 to $60,000 add.

We fund any slice or all of it on one approval. A comprehensive ophthalmologist adding an OCT and a YAG, or a surgeon standing up a full LASIK suite, gets the same single-file treatment. That is the point of working with a broker who has actually funded these lanes rather than a desk reading a generic medical rate sheet.

These recent closings show how ophthalmology files actually price. Terms come from the individual file, and nothing here is guaranteed.

• $112,000, Heidelberg Spectralis OCT plus Topcon field. Comprehensive ophthalmology practice, 16 years in practice, owner FICO 771. Approved at 5.24% APR, 60 months, $0 down.
• $498,000, Alcon LenSx femtosecond cataract laser. ASC-affiliated cataract surgeon, 12 years in practice, FICO 758. Approved at 5.69% APR, 72 months, 10% down.
• $154,000, Alcon Centurion phaco plus Zeiss OPMI Lumera microscope. Surgeon opening a satellite location, 8 years in practice, FICO 726. Approved at 6.14% APR, 60 months, $10,000 down.
• $432,000, Alcon WaveLight EX500 excimer plus FS200 femto. Refractive practice with a challenged credit profile, 10 years in practice, owner FICO 699. Approved at 6.89% APR, 66 months, 15% down.

Notice how the big diagnostic file with an established surgeon and a 771 score hit the 5.24% floor, while the refractive build with a high-600s profile still closed by adding a down payment and a slightly longer term. Large tickets like a femto laser lean on time in practice and collections, so a busy surgeon can carry a file that a score alone would not. We match the deal to the lender rather than forcing one box.

Ophthalmology equipment pays back through two very different revenue engines, and financing should respect both. LASIK is cash pay at roughly $2,000 to $3,000 per eye, collected up front, so a refractive laser that runs even a modest weekly case count services a large note quickly. Cataract blends Medicare facility and physician fees with premium IOL upgrades: a patient choosing a toric or presbyopia-correcting lens like the Alcon PanOptix or J&J Symfony pays $2,500 to $4,000 per eye out of pocket, and femtosecond-assisted cataract carries its own upgrade fee. An in-office OCT adds a technical fee on every scan that would otherwise walk out the door to a referral.

On taxes, the 2026 Section 179 cap is $2.5 million with phase-out beginning at $4 million, and 100% bonus depreciation applies to qualifying equipment placed in service that year. A surgeon financing a $498,000 LenSx can often expense the full amount in year one while paying it off over six, which is a meaningful offset against a high-earning practice's income.

The combination is what makes the buy work: cash-pay refractive and premium IOL dollars cover the payment, and the deduction shelters income the same season. Verify the details with your CPA, since this is general information and not tax advice, but the leverage is real and it is why practices finance rather than delay.

Alcon, J&J, and Zeiss all run financing arms, and they are useful for one thing: moving their own equipment. The rate is built to protect the sale. If your credit is strong, the captive rarely reflects it, and if your file is unusual, it declines rather than working the deal.

A broker changes the incentive. We take your file to the lenders most aggressive on ophthalmology paper and let them compete, which is how a qualified surgeon reaches the 5.49% APR range instead of a posted captive number. That competition is the whole value.

Then there is the mixed build. A real eye practice is not single-brand. You may want an Alcon phaco system, a Heidelberg OCT, a Zeiss microscope, and a YAG from a fourth vendor, plus a buildout. No captive finances a competitor's device or your construction. We put all of it on one approval, one payment, one close.

We also keep the money conversation separate from the equipment negotiation. You keep pressing your rep on the purchase price while we handle terms, so the two never get leveraged against each other. Surgeons routinely tell us that separation saved them more on the equipment than the rate difference did on the loan.

Can you finance refurbished ophthalmology equipment?

Yes. Factory-refurbished and certified pre-owned systems finance well, including reconditioned Alcon Centurion phaco units, Zeiss and Heidelberg OCT platforms, and used YAG lasers. Buying a certified pre-owned diagnostic device at a fraction of new is a common first move, and our lenders write those files routinely.

What credit score do I need for a phaco or femto laser?

There is no fixed floor. Surgeons above 720 tend to see our sharpest pricing, and we fund files in the high 600s with a down payment. Larger tickets like a LenSx or Catalys weigh time in practice and collections heavily, so a strong practice can offset a middling score.

Can a new or satellite practice get approved?

Yes. Startup and satellite ophthalmology offices are financed on the physician's personal credit, board certification, and projected volume. A surgeon opening a second location or leaving a group to go solo is a file we see constantly, and we can structure a modest down payment to bridge limited history at the new entity.

Do you finance the room and buildout for a LASIK or femto suite?

Yes. A femtosecond and excimer suite needs environmental controls, a laser room, and installation, and a phaco setup needs a proper OR. We fund the equipment plus buildout and soft costs together so the whole refractive or cataract suite sits on one payment.

Can you finance an ambulatory surgery center equipment package?

Yes. Full ASC equipment packages, including a Zeiss OPMI Lumera microscope, phaco system, sterilization, and monitors, are financed as a single project. We can also structure a surgeon's buy-in share of an existing ASC where the equipment is the collateral.