Spinal Cord Stimulator Equipment Financing

Own the room, capture the case

The device is rep-supplied; the C-arm, table, imaging, and suite are yours. We finance the capital so you can keep high-value implant cases in-house instead of referring them to a surgeon down the road.

Trial line first, implant line next

Start with a modest fluoro and table setup for trials, then scale to a dedicated implant room. We structure both phases so you are not re-applying from scratch when volume supports the next step.

New or refurbished imaging

A refurbished OEC 9900 or a new OEC Elite, plus a Mizuho OSI or Oakworks table, financed together. We position the practice and the collateral to the right lender.

Section 179 and bonus depreciation

The capital equipment behind an SCS line qualifies for Section 179 and 100% bonus depreciation. Your CPA can apply it in the year the room goes into service.

Spinal cord stimulation confuses people on financing because the expensive part, the implantable device, is not what you buy. The pulse generators and leads from Boston Scientific (WaveWriter Alpha), Abbott (Proclaim XR with BurstDR), Medtronic (Intellis and Inceptiv), Nevro (Senza HFX), and Saluda (Evoke) are supplied case by case by the manufacturer's rep and billed through the device pathway. What a practice has to own is the room that makes the procedure possible. For percutaneous trial lead placement and permanent implants you need fluoroscopy, so a C-arm like the GE OEC Elite, a refurbished OEC 9900, or a Ziehm Vision RFD. You need a radiolucent table built for spine access, typically a Mizuho OSI or an Oakworks. You need patient monitoring for sedation, and often a dedicated, appropriately built procedure suite or ASC room. That capital, not the device, is what a stimulator program requires up front, and it is what we finance so a practice can move SCS work in-house instead of sending it to a surgeon down the road.

Representative SCS buildout approvals. Every file is priced on its own merits.

• $128,000, GE OEC Elite C-arm, Mizuho OSI radiolucent table, and patient monitoring. Phoenix pain practice launching in-house stimulator trials and implants, 7 years in practice, 715 credit. Approved at 5.99% APR, 66 months, 10% down.
• $86,000, refurbished GE OEC 9900 with an Oakworks table and a programmer station. Solo interventional pain physician adding a trial line, 5 years in practice, 696 credit. Approved at 6.49% APR, 54 months, no money down.
• $54,000, procedure suite buildout, radiolucent table, and fluoro shielding. Established pain group adding an SCS trial line to an existing imaging setup, 12 years in operation, 742 credit. Approved at 5.79% APR, 48 months, application-only.
• $142,000, Ziehm Vision RFD, Mizuho OSI table, and patient monitoring. Neurosurgery-affiliated pain center building a dedicated implant room, 9 years in practice, 728 credit. Approved at 6.24% APR, 72 months, 15% down.

The Phoenix deal is the one that started it: financing the C-arm, table, and monitoring together let the practice run trials and implants itself instead of referring the high-value cases out.

The financial case for an SCS line is about capture, not the device margin. A stimulator trial (CPT 63650 for percutaneous electrode placement) and, for candidates who respond, a permanent implant (63650 plus 63685 for the pulse generator) with follow-up programming (95970 through 95972) are high-value services. When a practice refers those cases out, it hands the trial, the implant, and the ongoing programming revenue to someone else. Building the room keeps that work, and the capital behind it, the C-arm, table, and monitoring, is modest relative to the case value it enables. That is why a $120,000 to $150,000 implant room can pencil out quickly once a practice is doing a regular trial-to-implant volume.

The tax side helps. The capital equipment behind an SCS line, C-arm, table, and monitoring, qualifies for Section 179, currently allowing up to roughly $2.5 million of equipment deducted in the year it is placed in service, plus 100% bonus depreciation. A practice building a $130,000 room can often deduct the full equipment cost in year one. Any leasehold or construction portion is treated differently, so plan the split with your CPA. We structure the financing so the documentation supports the approach your accountant takes.

The smart way to build a stimulator line is in two steps, and we structure the financing to match. Step one is a trial and imaging setup, often a refurbished OEC 9900 and a radiolucent table, enough to run percutaneous trials in-house and prove the volume. Step two, once the trial-to-implant conversion is real, is a dedicated implant room with a newer C-arm, a Mizuho OSI table, and full monitoring. We can finance the first phase now and the second when you are ready, without making you re-qualify from scratch each time. That staged approach lowers the risk of the launch and keeps the payments sized to actual case volume. As a broker with more than 500 lenders, including desks that finance neurosurgery and interventional pain capital, we place each phase where it will get approved, including for practices earlier in operation or with challenged credit. The point is simple: own the room, keep the high-value cases, and let the line grow from trials into a full implant practice on financing that grows with it.

If the SCS device is rep-supplied, what am I financing?

The capital that makes the line possible: a C-arm for lead placement (GE OEC Elite or 9900, Ziehm Vision RFD), a radiolucent table from Mizuho OSI or Oakworks, patient monitoring, and the procedure suite buildout. The implantable Boston Scientific, Abbott, Medtronic, or Nevro system comes from the rep.

How much capital does an SCS line require?

A modest trial setup can start near $40,000. A dedicated implant room with a new C-arm, table, and monitoring commonly reaches $120,000 to $150,000. We finance either end of that range.

Can I start with trials and add implants later?

Yes, and that is the smart sequence. We structure the trial and imaging setup first, then finance the implant room when volume supports it, without making you start the application over.

Does building an SCS line actually pay?

The economics come from keeping high-value cases in-house instead of referring them out, plus the trial and programming revenue. We size the schedule so the capital clears against realistic case volume.

What rates and terms are available?

Rates start from 5.79% APR for qualified practices, with terms from 48 to 72 months depending on the equipment mix and credit. Rates are quoted per file and not guaranteed. We work with all credit profiles.