Add a Second Cataract Room Without Touching Your Credit Line

Add a Second Room, Keep Your Credit Line

Fund a Centurion or Stellaris Elite off your bank line so your borrowing capacity stays open for the rest of the practice.

Built for Redundancy and Throughput

Whether it is a backup unit or a second-OR platform, we structure the payment around the added case volume, from 5.49% APR.

Consumable Packs Folded In

Custom phaco packs and installation can be bundled into the deal instead of a separate recurring cash drain.

Section 179 Write-Off

Deduct the full price the year the system is placed in service while financing over 48 to 66 months. Confirm with your CPA.

Femtosecond lasers get the attention, but the phaco system does the work. It emulsifies and aspirates the lens in every case you do, covered or premium, so its reliability and fluidics define your day. Two platforms dominate US cataract ORs.

The Alcon Centurion Vision System pairs Active Fluidics with the Active Sentry handpiece, which senses intraocular pressure at the handpiece itself and adjusts in real time to keep the anterior chamber stable through occlusion breaks. Surgeons who do high volume value the surge control and the Balanced Tip torsional phaco. Configured, a Centurion generally runs $95,000 to $150,000.

The Bausch + Lomb Stellaris Elite with Adaptive Fluidics and Attune energy management is the leading alternative, known for efficient followability, a compact footprint, and a combined phaco and vitrectomy capability that suits surgeons who also do posterior work. It typically runs $80,000 to $130,000.

A cataract surgeon knows exactly why a second machine matters. It is not a luxury upgrade, it is OR capacity and redundancy. A down phaco unit on a full surgery day is lost cases and rescheduled patients. A second system opens a parallel room or guarantees you never cancel a block, and either way the machine earns from day one.

Recent Brobas phaco system approvals, rounded to protect the practices:

• Atlanta cataract surgeon, Alcon Centurion Vision with Active Sentry. $132,000 financed. Thirteen years in practice, 762 credit. Approved at 5.59% APR over 60 months, $0 down. He added a second ASC room without touching his line of credit, which is the deal behind our headline.
• San Diego ophthalmology practice, Bausch + Lomb Stellaris Elite. $96,000 financed. Seven years in practice, 731 credit. Approved at 6.29% APR over 60 months with 10% down.
• Chicago surgery center, Centurion as a redundancy unit. $128,000 financed. Group credit at 768. Approved at 5.49% APR over 66 months with the first payment deferred 60 days.
• Raleigh startup ophthalmology, certified pre-owned Centurion. $84,000 financed. A new practice, 715 owner score. Approved at 6.79% APR over 48 months with 15% down.

Rates ran from 5.49% to 6.79% based on time in practice, credit, and structure. These were the terms each file earned, not advertised rates, and none were guaranteed. From established surgeons to new practices and challenged-credit files, we shop the deal across more than 500 lenders to find the right fit.

A phaco system earns through volume. A second machine lets you run a parallel OR or shorten turnover, and even a few additional cataract cases per surgical day compounds quickly. Facility and professional revenue per routine cataract varies by setting and payer, but a busy surgeon adding a room can realize tens of thousands of dollars a month in additional production. Against a financed Centurion near $2,300 to $2,600 a month over 60 months, the added throughput covers the payment with margin to spare, and the machine also protects revenue you already have by eliminating cancelled blocks when a unit goes down.

Factor in consumables honestly: custom phaco packs run per case, and we can fold that supply and the install into the financing so it is one number rather than a separate recurring bill.

Section 179 applies to the full purchase. Deduct the entire price in the year the system is placed in service (the annual cap runs into the millions, well above any phaco unit), with 100% bonus depreciation available on top under current law. A $132,000 system placed in service in the fourth quarter can produce a large same-year deduction while your cash outlay is only a few months of payments. That timing is why many surgeons add or replace a phaco platform before year end. Confirm the numbers with your CPA.

We are a broker, not a bank. One application goes to more than 500 lenders and we bring back the strongest term, which matters when you are adding capacity rather than just replacing a worn-out box. For phaco systems we typically place:

• Equipment finance agreements from 48 to 66 months, so an $80,000 Stellaris Elite or a $150,000 Centurion both land as a payment your added case volume supports.
• $0 down for established surgeons and ASCs, or 10% to 15% down for startups and challenged-credit files.
• First-payment deferrals of 30 to 90 days, so a new OR room is booking cases before the payment begins.
• Consumables and install bundled, including custom phaco packs, so the setup is one clean number.

We finance both new and certified pre-owned platforms, which lets a startup enter at $84,000 on a pre-owned Centurion instead of six figures new. Application-only approvals are common up to around $150,000, and most decisions come back same day or next business day. The whole point is capacity without cost of capital: you add the room, keep your bank line open for payroll and real estate, and the machine pays for itself out of the schedule. Send us the Alcon or Bausch + Lomb quote and we will structure it from 5.49% APR for qualified practices.

How much does it cost to finance a phacoemulsification machine?

A Bausch + Lomb Stellaris Elite runs roughly $80,000 to $130,000, and an Alcon Centurion Vision System runs $95,000 to $150,000 configured. Financed over 48 to 66 months, most surgeons see a payment in the $1,500 to $2,700 range, from 5.49% APR for qualified practices.

Can I finance a certified pre-owned Centurion?

Yes. We finance both new and certified pre-owned phaco systems. A pre-owned Centurion lets a startup enter around $84,000 instead of six figures new, and it still qualifies for Section 179 in the year it is placed in service.

Will financing let me add a second OR without using my credit line?

That is exactly what most of our phaco deals do. The system goes on an equipment finance agreement instead of your bank line, so your borrowing capacity stays open for payroll, real estate, and other equipment. You add the room and the machine pays for itself out of the added case volume.

Can I bundle the consumable packs and install?

Often, yes. Custom phaco packs and installation can be folded into the financing so your setup is one number rather than a separate recurring supply bill. We build the total cost of ownership into the structure where the lender allows it.

Is the phaco system deductible under Section 179?

Generally yes. Section 179 lets you deduct the full purchase price the year the system is placed in service, and 100% bonus depreciation may apply on top under current law. The annual cap far exceeds any phaco machine's cost. Confirm with your CPA.

Can a startup practice qualify?

Yes. We fund new ophthalmology practices and surgery centers regularly. Expect a down payment (often 10% to 15%) and we can defer the first payment 30 to 90 days so the OR is booking cases before the first bill. We place startups and challenged credit across 500-plus lenders.