Pain Management Equipment Financing Built Around Your Procedure Volume

C-arm, table, and RF generator as one deal

The three anchor purchases funded together, with disposables and a service contract folded in where it makes sense, so you sign once instead of juggling three lenders.

Structured around procedure volume

We size the term to realistic weekly procedures, stretching larger suites to 66 or 72 months and offering a lighter first 60 to 90 days while a new C-arm program ramps.

All credit profiles considered

500-plus lenders means a newer interventionalist and an established ASC both get real terms. Challenged credit shifts the rate and may ask for a down payment, not a no.

Fast funding, three to seven days

Rates from 5.49% APR for qualified practices, with most approvals closing within a week of a signed invoice and a completed application.

Interventional pain runs on imaging, positioning, and energy generators, and we finance the full stack. The C-arm is the centerpiece: a new GE OEC Elite or Ziehm Vision RFD can run $100,000 to $150,000, while a well-maintained refurbished GE OEC 9900 lands closer to $40,000 to $80,000. Radiolucent procedure tables from Oakworks (the CFPM400), Mizuho OSI, or Steris run $15,000 to $40,000, and they matter because a table that images cleanly end to end is not optional for fluoroscopic work. RF ablation generators are $20,000 to $40,000: a Stryker MultiGen, an Avanos Coolief system, a Diros OWL, or a Cosman G4, plus the disposable probes and cannulae that recur. Point-of-care ultrasound from SonoSite (Edge II) or GE (Logiq) adds $15,000 to $50,000 for guided joint and soft-tissue work. Spinal cord stimulator trials tie in the Boston Scientific, Abbott, and Nevro systems, mostly rep-supported, but the C-arm and table you own make them possible. A complete procedure suite runs $150,000 to $300,000. We fund new and refurbished, bundle the disposables and service contract where it makes sense, and match the whole package to a lender that prices interventional pain correctly.

Recent interventional pain deals, structured as they actually closed:

• $27,500, Oakworks CFPM400 radiolucent table plus a SonoSite Edge II ultrasound, new practice 3 years in, 681 credit score, approved at 6.69% APR over 54 months, $2,500 down.
• $38,000, Stryker MultiGen RF ablation generator with probes, two-physician practice 10 years in, 752 credit, 5.74% APR over 60 months, $0 down.
• $112,000, refurbished GE OEC 9900 Elite C-arm, solo interventionalist 7 years in practice, 728 credit, 5.99% APR over 60 months, 10% down.
• $205,000, full procedure suite (Ziehm Vision RFD C-arm, Avanos RF generator, and a radiolucent table), established group and ASC 15 years in, 780 credit, 5.49% APR over 72 months, 15% down.

Larger tickets stretch to 66 or 72 months so the payment stays in line with procedure revenue. Strong credit and time in practice pull the rate toward 5.49%; a newer practice with a high-600s score still funds, closer to 6.69% with a down payment. All four closed within a week of a signed invoice and a completed application.

Interventional pain has clear procedure economics, which is why lenders like it and why the note is easy to size. A refurbished C-arm at $112,000 financed near $2,150 a month is supported by a modest daily schedule of fluoroscopically guided injections; keeping that imaging and guidance in-house instead of referring to a hospital captures both the professional and technical side. An RF generator at $38,000 financed around $730 a month pays back on the ablation volume that follows diagnostic medial branch blocks, and the recurring probe cost is predictable. On taxes, Section 179 lets you expense the full cost of qualifying equipment the year it goes into service, up to $2.5 million for 2026, and 100% bonus depreciation applies to equipment placed in service after January 19, 2025. On a $205,000 suite, a group in the 35% bracket could see roughly $70,000 in first-year tax savings, most of it landing before the first year of payments is even complete. Financing rather than paying cash preserves that deduction while keeping capital available for staff, disposables, and the next hire. Have your CPA confirm the figures for your entity and income, since the deduction interacts with your overall tax picture.

We size the term to the procedures, not to a generic five-year default. A single-provider practice building block and RF volume gets a different structure than a mature group running two rooms a day, and we set the length so the monthly payment tracks realistic weekly procedure revenue rather than best-case projections. On big suites we go to 66 or 72 months to keep the payment comfortable while the schedule fills, and we can arrange a lighter first 60 to 90 days when a new C-arm and RF program are still ramping. Because so much interventional revenue is insurance-based, we look at payer mix and time in practice, and for newer physicians we weigh personal credit and the business plan alongside the practice numbers. All credit profiles are considered; challenged credit moves the rate and may ask for a down payment instead of ending the conversation. We finance refurbished C-arms, which is often the sharpest way to open a second room without the new-equipment premium, and we can roll a service contract into the deal so a critical C-arm is never down waiting on a repair quote. Send the quote and your procedure mix, and we structure terms that fit.

Can you finance a new interventional pain practice?

Yes. We fund newer interventionalists opening their first practice or first procedure room. For a younger practice we weigh personal credit, the plan, and payer mix alongside the numbers rather than demanding years of returns. Newer practices typically fund with a down payment at a rate a bit above the 5.49% floor, and the full suite can go on one approval.

Do you finance refurbished C-arms?

Yes, and for interventional pain it is often the sharpest move. A well-maintained refurbished GE OEC 9900 lands closer to $40,000 to $80,000 versus $100,000-plus for a new GE OEC Elite or Ziehm Vision RFD. Financing a refurbished C-arm is a common way to open a second room without the new-equipment premium.

Can the C-arm, table, and RF generator go on one approval?

Yes. We bundle the C-arm, radiolucent procedure table, RF generator, and even the recurring probes and a service contract into a single deal, so you are dealing with one payment and one lender instead of three. That is how most of our interventional pain suites close.

What credit score is required?

There is no hard cutoff. All credit profiles are considered across 500-plus lenders. Strong credit reaches rates from 5.49% APR; challenged credit still funds, usually nearer 6.99% and sometimes with a down payment. We match your file to the lender that prices interventional pain and your credit best.

Can I deduct a pain procedure suite with Section 179?

Usually. Section 179 can let you expense the full cost of qualifying equipment the year it goes into service, up to $2.5 million for 2026, and 100% bonus depreciation applies to equipment placed in service after January 19, 2025. On a large suite that first-year deduction can be substantial. Financing preserves it while keeping capital free. Confirm the numbers with your CPA.