Sleep Lab Equipment Financing for Polysomnography Buildouts

Build Every Bed at Once

Amplifiers, software, cameras, beds, and titration for a four or six bed lab financed on one schedule, so you open the full floor instead of adding one bed a year as cash allows.

Study Volume Carries the Note

A multi-bed lab running attended PSGs several nights a week generates steady technical-component billing. We size the term against your projected study count so the payment sits comfortably under revenue.

In-Lab and Home Sleep Testing Both Fund

We finance attended PSG systems and home sleep testing fleets alike, from a Cadwell or Natus in-lab buildout to 30 ResMed ApneaLink Air units for take-home studies.

All Credit Profiles Considered

Newer sleep centers and owners with challenged credit still get funded. Across 500+ US lenders we shop the file to the source that fits, so one soft credit look does not decide it.

A polysomnography lab is a per-bed buildout, and we finance every layer of it. The core is the amplifier and acquisition system. Practices choose the Cadwell Easy III or the newer Cadwell Arc platform, Natus SleepWorks software paired with Embla or Grass amplifiers, Nihon Kohden Polysmith on the JE-921A, or a Compumedics Grael. Each records the full montage: EEG, EOG, EMG, ECG, airflow, respiratory effort, pulse oximetry, and body position.

Around the amplifier, each bed needs an infrared camera and two-way audio, a comfortable patient bed and headwall, and a CPAP or BiPAP titration device such as a ResMed AirCurve for split-night and titration studies (95811). A central monitoring and scoring station lets one technologist watch multiple beds. For practices adding take-home diagnostics, home sleep testing devices like the ResMed ApneaLink Air, Philips Alice NightOne, or Itamar WatchPAT extend capacity without a bed.

We finance the amplifiers, software licenses, cameras, beds, titration units, the scoring station, and installation as one package. Whether you are AASM-accredited or working toward it, we structure the buildout to match your bed count and study mix.

Representative sleep lab deals placed for US practices.

• $165,000, four-bed Cadwell Easy III buildout, Phoenix AZ sleep and pulmonology practice. Four amplifiers, Cadwell and Natus scoring software, infrared cameras, beds, and titration devices. Seven years in practice, 722 owner credit. Approved at 5.99% APR over 66 months, $0 down, term sized to their attended-study projection. This is our anchor single-facility sleep build.
• $92,000, two-bed Natus SleepWorks with Embla amplifiers, solo sleep physician, Denver CO. Four years in practice, 701 credit. 6.24% APR over 60 months, $0 down, application-only.
• $58,000, home sleep testing fleet, 30 ResMed ApneaLink Air units plus a Nihon Kohden Polysmith lab system, pulmonology group, San Antonio TX. Ten years in practice, 735 credit. 5.49% APR over 48 months, $0 down.
• $198,000, six-bed Nihon Kohden JE-921A with Polysmith, new sleep center, Orlando FL. Two years in practice, 710 credit. 6.74% APR over 72 months with 10 percent down.

Each rate reflects that file's credit and structure. Qualified practices start from 5.49% APR after a soft review.

Sleep economics are per-study and per-bed. An attended overnight polysomnogram, CPT 95810, and a CPAP titration or split-night study, 95811, each carry a technical-component reimbursement that ranges from several hundred to over a thousand dollars depending on payer and setting, and a single bed can run one attended study per night, several nights a week. Multiply that by four or six beds and the lab generates predictable volume that dwarfs the financed payment. Home sleep testing (95800, 95806) adds lower-dollar but higher-volume studies with almost no per-study equipment cost once the fleet is owned. The point of financing is to put every bed into service now, while demand and referrals are there, rather than staging the buildout over years.

Section 179 sharpens the return. A practice can deduct the full cost of qualifying sleep equipment in the year it is placed in service, up to the annual cap, about $2.5 million in 2026, instead of depreciating it. 100 percent bonus depreciation can layer on for spend beyond the Section 179 limit. On a $165,000 four-bed build, a practice in a 32 percent bracket can capture roughly $50,000 in first-year tax savings while paying the note over 66 months from study billing. Finance the lab, deduct it now, let utilization service the payment. Verify specifics with your accountant.

Brobas Capital Partners is a medical equipment finance broker with a network of more than 500 US lenders, which is why we can fund sleep labs that a single bank would decline. Established practices, brand-new sleep centers, and owners with challenged credit all have a path, because we place each deal with the lender whose appetite matches the file instead of running it once.

For requests up to $150,000, the process is application-only: a one-page application and a soft credit pull, usually with a same-day decision and no tax returns. Larger multi-bed builds above $150,000 may ask for two years of returns and recent bank statements, still on a quick timeline. Once approved, funds go to your Cadwell, Natus, or Nihon Kohden vendor within a few days so installation can be scheduled.

Structures include $0 down, 60 to 90 day deferred first payments while you finish AASM accreditation and ramp study volume, fair-market-value leases, and dollar-buyout agreements that give you ownership at term. Tell us your bed count, the platform you are quoting, and your expected study volume, and we will build a single-facility payment from 5.49% APR for qualified practices. Rates are quoted after review and are never guaranteed.

How much does a four-bed sleep lab cost to finance?

A fully equipped four-bed PSG lab commonly runs $120,000 to $180,000 with amplifiers, software, cameras, beds, and titration. Financed from 5.49% APR over 66 months, a $165,000 buildout lands near $2,900 a month for a qualified practice. Rate depends on credit, time in practice, and term.

Which PSG platforms do you finance?

Cadwell Easy III and Arc, Natus SleepWorks with Embla or Grass amplifiers, Nihon Kohden Polysmith, and Compumedics Grael, plus the beds, infrared cameras, and PAP titration devices that complete each bed. If it is on your buildout quote, we can finance it.

Can I finance home sleep test devices too?

Yes. Home sleep testing fleets such as ResMed ApneaLink Air, Philips Alice NightOne, or Itamar WatchPAT can be financed on their own or bundled with your in-lab system on a single facility.

Is refurbished sleep equipment financeable?

Yes. We fund certified refurbished amplifiers and beds, often 30 to 40 percent below new, on the same application-only path under $150,000. Terms run a little shorter on used gear.

My sleep center is brand new. Can I still qualify?

Frequently yes. Several lenders fund pre-opening and first-year sleep centers against owner credit and the project, sometimes with a deferral so payments begin after your first studies are billing. We will tell you what the file supports.