Radiation Oncology Equipment Financing

The whole facility, not one box

CT sim, planning system, immobilization, QA, and vault buildout financed together. You deal with one broker and one closing instead of chasing five vendors and five lenders on five separate timelines.

Linac replacement or a new center

Whether you are swapping a TrueBeam at end of service or building a first vault, we structure around the timeline, including progress draws for construction and a clean cutover so treatment capacity never gaps.

Terms that match a long-lived asset

A linac and a shielded vault run for a decade or more. We arrange terms out to 84 months so the payment reflects the useful life, not an aggressive 36-month squeeze on a seven-figure project.

Section 179 and 100% bonus depreciation

Seven-figure buildouts create real deductions. We structure so your accountant can take Section 179 and bonus depreciation in the year of service. Confirm the specifics with your CPA.

A modern radiation oncology center is a system, and the linac is only its center of mass. Around a Varian TrueBeam, an Elekta Versa HD, a Varian Halcyon, or an Accuray Radixact, you need a large bore CT simulator to acquire planning scans, a Siemens SOMATOM go.Sim, a Philips Big Bore, or a Canon Aquilion LB being the usual choices. Those scans feed a treatment planning system, Varian Eclipse, Elekta Monaco, RaySearch RayStation, or Accuray Precision, where dosimetrists build IMRT, VMAT, and SBRT plans. Patients have to be positioned reproducibly, so you buy immobilization from CIVCO or Qfix: thermoplastic masks, wing boards, vac-lok cushions, and indexed couch tops. Physics needs QA equipment from Sun Nuclear or IBA Dosimetry to commission and check the beam. An oncology information system such as ARIA or MOSAIQ ties records, scheduling, and record-and-verify together. And all of it lives inside a shielded vault with a maze, interlocks, and concrete or lead built to a physicist's shielding report. Buy those pieces from five vendors on five timelines and the project drifts. Financing them together is how a center opens on schedule.

Representative radiation oncology approvals we have structured. Every file is priced individually.

• $1,850,000, Varian TrueBeam replacement. Established radiation oncology group swapping a linac at end of service, 16 years in practice, 761 credit. Approved at 5.49% APR, 84 months, 10% down.
• $720,000, Siemens SOMATOM go.Sim CT simulator, RayStation planning, and CIVCO immobilization. Dallas cancer center adding simulation and planning around an existing vault, 8 years in operation, 704 credit. Approved at 5.99% APR, 72 months, 10% down.
• $2,400,000, Accuray Radixact with Precision planning. Multi-site oncology practice adding a second treatment platform, 12 years in practice, 733 credit. Approved at 5.79% APR, 84 months, 15% down.
• $980,000, vault shielding buildout, Elekta Monaco planning, and Sun Nuclear QA. Hospital outpatient center, 20 years in operation, 755 credit. Approved at 6.24% APR, 60 months, 10% down, with progress draws for construction.

The Dallas deal shows the pattern: the CT sim, the planning system, and the immobilization all closed on one schedule, so the center had a working simulation-to-treatment chain without stitching three lenders together.

Radiation oncology revenue is well defined and durable. Simulation is billed with CPT 77280 through 77290, IMRT and VMAT delivery with 77385 and 77386, image guidance with 77387, SBRT with 77373, and weekly treatment management with 77427, alongside dosimetry and physics codes. A center treating a full daily schedule generates predictable technical and professional revenue, which is why lenders are comfortable amortizing linac and vault projects out to 84 months: the asset and the income both run for a decade or more.

On taxes, a seven-figure buildout produces significant first-year deductions. Section 179 currently allows a deduction of qualifying equipment up to roughly $2.5 million placed in service in the year, and 100% bonus depreciation is again available, which together can let a practice write off a large share of the equipment cost in year one. The linac, CT sim, planning system, and QA equipment generally qualify; the shielded construction is treated differently, and the split between the two is worth planning with your CPA before the equipment is placed in service. We structure the financing so the documentation lines up cleanly with whatever depreciation strategy your accountant elects.

Most of the radiation oncology financing we do falls into one of three cases. The first is a linac replacement, a TrueBeam or Versa HD reaching end of manufacturer support, where the priority is no gap in treatment capacity and a clean cutover. The second is expansion: a center that already has a vault adding a CT simulator, a new planning system, or immobilization, like the Dallas deal. The third is a first center, the largest and most complex, where equipment and a ground-up vault have to be financed together with construction draws. We handle all three the same way, by treating the center as one project rather than a stack of invoices. With more than 500 lenders, including desks that understand oncology capital and construction timing, we route the file where it will actually get approved, and we structure the payments around the center's real throughput. That is how a project stays on schedule from shielding pour to physics commissioning to first treatment.

What can be included in a radiation oncology financing package?

The linac (Varian TrueBeam or Halcyon, Elekta Versa HD, Accuray Radixact or CyberKnife), a large bore CT simulator, the treatment planning system (Eclipse, Monaco, RayStation, or Precision), immobilization from CIVCO or Qfix, QA gear from Sun Nuclear or IBA, the oncology information system, and the shielded vault buildout.

Can construction and shielding be rolled into the same deal?

Yes. Vault concrete and shielding, maze design, and room buildout can sit on the same schedule as the equipment, with progress draws during construction. That is how we structured the Dallas cancer center's CT sim, planning system, and vault together.

How large a project can you finance?

Packages typically run from $500,000 to $3 million depending on whether you are adding a CT sim and planning around an existing vault or building a full center with a linac. Larger multi-site projects can be structured in stages.

What terms make sense for a linac and vault?

Because a linac and a shielded vault serve for a decade or more, we arrange terms out to 84 months so the payment matches the asset's useful life. Rates start from 5.49% APR for qualified practices and are quoted per file, not guaranteed.

Do you finance linac replacements at end of service?

Regularly. Machines reaching end of manufacturer support are a common trigger. We can structure the replacement and any related planning or immobilization upgrades together so the center has no gap in treatment capacity.