Surgical Microscope Financing Built Around Your OR Schedule

Terms Aligned to OR Block Time

We can structure payments around your surgical schedule and case volume instead of a one-size term, so the microscope earns while it is being paid for.

Rates From 5.49% APR

Qualified neuro, ENT, and spine practices see rates from 5.49% APR. Final pricing depends on credit, time in practice, and the system, and is never guaranteed.

Half-Million Systems, Placed

With 500+ lenders, we fund KINEVO 900 and OPMI Pentero systems well into six and seven figures that a single local bank often declines outright.

Section 179 and Bonus Depreciation

A microscope is a large capital asset, so the year-one deduction can be substantial. Most systems qualify for Section 179 expensing. Confirm the numbers with your CPA.

The microscope you choose decides which cases you can take. Fluorescence is the clearest example. YELLOW 560 and BLUE 400 modules support 5-ALA fluorescence-guided glioma resection, and FLOW 800 ICG videoangiography changes how you handle aneurysm clipping and bypass. Robotic positioning on a KINEVO 900, apochromatic optics, a stable working distance, and the QEVO micro-inspection tool are the difference between a scope you tolerate and one you reach for on every complex case. Ceiling mount versus floor stand, integration with Brainlab or Medtronic StealthStation navigation, 4K 3D recording for teaching and records: these are not upsells, they are the working platform for the next decade.

That is exactly why you finance it rather than write a check. A loaded KINEVO 900 at $400,000 to $700,000, or a Leica M530 OH6 at $250,000 to $500,000, is too large to pull out of reserves without weakening the practice. Financing keeps your capital available for staffing, buildout, and the next piece of equipment, and it lets the scope start paying for itself on your first block. Because we run more than 500 lenders, we can place systems that a single bank sees as too big or too specialized, and we can build the term around your OR calendar instead of forcing a generic 60 months.

Every deal below closed through Brobas. Details are representative of recent surgical microscope fundings.

• $565,000, Denver, CO neurosurgery practice, 12 years in practice. Owner FICO 768. Zeiss KINEVO 900 with FLOW 800 and QEVO. 5.59% APR, 72-month term, $0 down, structured to OR block time.
• $214,000, Austin, TX ENT practice, 8 years in practice. Owner FICO 726. Leica M530 OH6 with integrated recording. 5.99% APR, 60-month term, 10% down.
• $398,000, Scottsdale, AZ spine surgery center, 15 years in practice. Owner FICO 754. Zeiss OPMI Pentero 900. 5.74% APR, 66-month term, $0 down.
• $472,000, Nashville, TN neuro-spine practice, 3 years in practice. Owner FICO 698, a challenged credit profile we placed. Zeiss KINEVO 900. 6.79% APR, 72-month term, 15% down.

Rates and terms reflect each borrower's credit, time in practice, and system configuration, and are not a guarantee of what your practice will be offered.

A better microscope expands your case mix, and case mix is where the return lives. Fluorescence-guided resection supports higher rates of gross-total tumor removal, ICG videoangiography reduces re-exploration, and clean visualization lets you take minimally invasive and complex cases that reimburse well and pull referrals. On the payment side, a $565,000 KINEVO 900 at 5.59% over 72 months runs near $9,260 a month. A couple of additional complex cases per block cover that, and everything past it is margin.

The tax treatment helps the math further. Under Section 179, a practice can expense qualifying new or used equipment in the year it is placed in service, up to the annual cap that sits above $1.25 million for 2026, and current law allows 100% bonus depreciation on qualifying property. A microscope is a large asset, so the write-off is large. For an owner in a 35% bracket, expensing a $472,000 system could reduce federal tax by roughly $165,000 in year one, while the system is financed and the cash stays in the practice. Your CPA should confirm the exact treatment, since caps, phase-outs, and your specific situation drive the real number.

Before you commit six figures, confirm the platform actually fits your cases:

• Working distance and objective. A 200 mm to 400 mm range with the right objective lens covers deep neuro fields and shallower ENT work differently, so match it to what you do.
• Optics and illumination. Apochromatic optics and coaxial LED illumination hold color and depth; ask what the light source costs to maintain.
• Fluorescence you will actually use. 5-ALA (Gleolan) for gliomas and ICG for vascular are the common modules. Do not pay for what you will not run.
• Navigation integration. Confirm clean integration with Brainlab or Medtronic StealthStation if you use image guidance.
• Mount and balance. Ceiling mount needs structural support; a floor stand needs stable braking and easy balancing between cases.
• Service and consumables. Get the service contract, lamp, and drape costs in writing before you sign.

We fold installation, room readiness, and applications training into the amount financed so the full working system comes online together.

Can you really match the term to my OR block schedule?

Yes, within reason. We can build seasonal or step payment structures and longer 66 to 84 month terms on large systems so the payment tracks the weeks you are actually operating. It depends on the lender and your credit, but it is a normal request on six-figure microscope deals.

Do you finance demo or refurbished microscopes?

We do. Zeiss and Leica demo units and certified pre-owned OPMI Pentero and M525 systems finance readily, often at a lower payment than new. The optics and service history matter, so we make sure the quote reflects what you are actually buying.

What if I am buying the fluorescence and navigation integration too?

Those roll into the deal. FLOW 800 ICG, YELLOW 560 and BLUE 400 fluorescence modules, recording, and integration with Brainlab or Medtronic StealthStation navigation can all be financed as one amount rather than separate purchases.

What credit profile do you need for a $500K system?

Larger systems get a closer look at owner credit, practice history, and case volume. Strong files fund at the best rates with little or no money down. We still place challenged credit, usually with a higher rate and 10% to 15% down.

How long does approval take on a large system?

App-only approvals on smaller ENT scopes can come back same day. A $400,000 to $700,000 neuro system may take a few days and a couple of supporting documents, but it is measured in days, not weeks.

Can a younger practice with challenged credit still get funded?

Yes. We funded a three-year-old neuro-spine practice with an owner FICO of 698 on a KINEVO 900. It carried a higher rate and a down payment, but it closed. All credit profiles get run across the network.