Orthopedic Equipment Financing Built Around Surgical Volume and the Imaging Fee

Ortho Deals Built Around Surgical Volume

OR tables, arthroscopy towers, and C-arms pay back on case count, not a calendar. We structure the term around your actual surgical volume so a new tower or table stays ahead of its payment from the first month of cases.

Imaging, OR, and In-Office Gear on One File

A mini C-arm, a Fujifilm DR x-ray, an extremity MRI, a Mizuho table, and a Stryker arthroscopy tower can all sit on a single approval. You stop splitting the imaging center and the OR into separate financing tracks.

We Structure Around the Imaging Technical Fee

An in-house MRI or DR unit keeps the technical fee inside the practice. We time the payment to how that imaging revenue collects, which is what turns an in-office scanner into a profit center rather than a fixed cost.

500+ Lenders, All Credit Profiles

From a busy sports-medicine group with top-tier credit to a solo orthopedic surgeon with a challenged credit profile, we place files across more than 500 lenders. A single decline on a large MRI does not stop the deal.

Orthopedics spans three budgets, and each one prices on its own terms. Fluoroscopy comes first: a mini C-arm like the Hologic Fluoroscan InSight or OrthoScan runs $60,000 to $120,000, and a full-size GE OEC Elite, Ziehm Vision RFD, or Philips Veradius lands $130,000 to $250,000. In-office radiography on a Fujifilm FDR or Carestream DRX DR system sits at $70,000 to $180,000 and bills a technical fee from day one.

Advanced imaging is the heavy line. An extremity unit like the Esaote O-scan starts around $400,000, a Siemens Magnetom Sola or GE SIGNA 1.5T runs $900,000 to $1.5 million with the room, and a 3T Magnetom Vida with a full buildout can clear $2 million.

The OR side rounds it out. A Mizuho OSI Hana or Skytron table runs $80,000 to $250,000, and an arthroscopy tower from Arthrex Synergy, Stryker (with the 1688 camera), or Smith+Nephew adds $120,000 to $300,000.

We put any combination on a single approval. A sports-medicine practice adding a C-arm and a Hana table, or a group standing up in-house MRI, gets one file instead of three. Having funded these builds, we know which lenders write big refurbished MRI paper and which shy away from it, and we route your file accordingly.

These recent closings show how orthopedic files price. Terms come from the specific file, and nothing here is guaranteed.

• $172,000, GE OEC Elite C-arm plus Mizuho OSI Hana table. Sports-medicine practice, 12 years in practice, owner FICO 759. Approved at 5.49% APR, 60 months, $0 down.
• $1,850,000, Siemens Magnetom Vida 3T MRI with room buildout. Orthopedic group adding in-house imaging, 20 years in practice, FICO 774. Approved at 5.44% APR, 84 months, $185,000 down.
• $148,000, Stryker 1688 arthroscopy tower plus Arthrex instrumentation. Orthopedic surgeon, 9 years in practice, FICO 731. Approved at 6.19% APR, 60 months, 10% down.
• $118,000, Fujifilm FDR DR x-ray plus OrthoScan mini C-arm. Solo orthopedic practice with a challenged credit profile, 6 years in practice, owner FICO 690. Approved at 6.84% APR, 66 months, 15% down.

The 3T MRI is the instructive one. A seven-figure scanner underwrites on decades of volume and a real down payment, which is how a $1.85 million file hit 5.44% over 84 months. The solo practice with a high-600s profile still funded its DR and mini C-arm by adding a down payment and a slightly higher rate. Big or small, we structure to the lender and the ticket.

The whole argument for in-house orthopedic imaging is the technical fee you stop giving away. When an MRI, DR x-ray, or C-arm lives in the practice, you capture the technical component of every scan instead of referring patients to a hospital or imaging center that keeps it. An in-office 1.5T or 3T MRI running a modest daily scan volume generates technical revenue that comfortably services a five-figure monthly payment, and it also tightens the care loop by putting imaging in front of the surgeon the same day.

Taxes make the buy more attractive. For 2026 the Section 179 cap is $2.5 million with phase-out starting at $4 million, and 100% bonus depreciation applies to qualifying equipment placed in service that year. A group financing a $1.85 million MRI can often expense a large share of it up front, subject to the phase-out, while spreading payments across seven years. Smaller items like a $172,000 C-arm and table combination can frequently be expensed in full in year one.

The result is straightforward: the technical fee that used to leave the building now pays the note, and the deduction shelters practice income the same season. Confirm the details with your CPA, since this is general information and not tax advice, but the combination of retained technical revenue and first-year expensing is exactly why orthopedic groups bring imaging in-house.

Siemens, GE, and Stryker all run finance arms, and they are built to sell their own equipment. The posted rate protects the sale, so a strong surgeon rarely sees the value of good credit, and a file with any complication tends to get declined rather than worked.

A broker reverses that. Brobas puts your file in front of the lenders most aggressive on orthopedic and imaging paper and lets them compete, which is how a qualified practice reaches the 5.49% APR range instead of a captive number. On a seven-figure MRI, a small rate difference over 84 months is a large dollar figure.

Mixed builds seal it. A real ortho project mixes brands: a GE C-arm, a Siemens MRI, a Stryker tower, a Mizuho table, and a shielded room from a specialty contractor. No single captive will finance a competitor's device or your construction. We fold all of it into one approval, one payment, one close, and we can even seat the imaging in a separate ancillary entity.

We also keep money and equipment on separate tracks. You keep negotiating each vendor's price while we handle terms, so nothing gets leveraged against you. On a build this size, that separation frequently saves more than the rate on the loan ever will.

Can you finance a used or refurbished MRI or C-arm?

Yes. Refurbished imaging is a large part of what we fund, including certified pre-owned Siemens Magnetom and GE SIGNA MRI systems and refurbished GE OEC C-arms. A quality refurbished 1.5T MRI at a fraction of new pricing is one of the most common ortho files we close, and lenders in our network specialize in it.

What credit score do I need for orthopedic imaging or OR equipment?

There is no fixed floor. Surgeons and groups above 720 see our sharpest pricing, and we fund high-600s files with a down payment. On a seven-figure MRI, surgical volume and collections carry heavy weight, so a strong practice can offset a lower personal score.

Can a new orthopedic practice get approved?

Yes. Startup and newly independent orthopedic practices are financed on the surgeon's personal credit, specialty, and projected case volume. A surgeon leaving a group to open an office with in-house imaging is a file we handle often, and a modest down payment can bridge limited history at the new entity.

Do you finance the MRI room buildout, not just the magnet?

Yes. An MRI requires RF shielding, a chiller, magnet delivery and rigging, and often a crane. We fund the scanner plus the full room buildout, cryogen and installation costs, and soft costs together so the entire imaging project sits on one payment.

Can you finance an in-office imaging center as a separate entity?

Yes. Many orthopedic groups run imaging through a separate ancillary entity. We can structure the equipment financing under that entity with the practice or physicians supporting the file, so the MRI, DR x-ray, and C-arm live where they belong on the books.