OPTOMETRY & OPHTHALMIC
Optometry and ophthalmic equipment financing and leasing
Optometry equipment financing for the way practices actually buy: a full exam lane, an OCT and the imaging around it, a surgical laser, an in-house lab, or the whole fit-out for a new office. New or refurbished, from any dealer, with installation and soft costs included. Transactions start at $10,000.
What we finance
New or used, from any vendor, dealer or auction. Named manufacturers are examples of what this covers, not a limit — if what you need is not on this list, ask.
- OCT and OCT-A — Zeiss Cirrus, Heidelberg Spectralis
- Digital phoropters and refraction systems
- Autorefractors, keratometers and lensometers
- Fundus and ultra-widefield cameras
- Visual field analyzers and perimeters
- Slit lamps, tonometers and pachymeters
- YAG, SLT, excimer and femtosecond lasers
- Corneal topographers and biometers
- Lens edgers, tracers, finishing lab and frame boards
- Exam lanes, chairs, stands and EHR
Why lease it
01
A lane is a package, not a purchase
Chair, stand, slit lamp, phoropter and the diagnostic behind it arrive together and are financed together. One payment, one term, one vendor relationship to manage.
02
Cold starts are normal here
A practice that has not opened has no revenue history, which is a problem for a bank and an ordinary conversation for an equipment lessor.
03
Diagnostics that bill for themselves
Equipment that adds a billable test is the clearest case there is for financing: the asset generates the revenue that covers its own payment.
Optometry equipment financing by need
OCT and retinal imaging
OCT and OCT-A, fundus and ultra-widefield retinal cameras, visual field analyzers, corneal topographers and biometers. An OCT usually clears the $10,000 minimum on its own, and the other diagnostics bought with it go on the same agreement, along with the table, workstation and EHR interface.
Exam lanes: slit lamps, phoropters, chairs and stands
A lane is the chair, the stand, the slit lamp, a manual or digital phoropter, an autorefractor, a lensometer and a tonometer. A single slit lamp or small instrument usually costs less than $10,000 and does not qualify on its own. A full exam lane, or several instruments bundled for $10,000 or more, does.
Surgical and laser systems
Excimer and femtosecond lasers for LASIK, YAG and SLT lasers, phaco systems and surgical microscopes for an ophthalmology practice or surgery center. For more on surgical suites, see ophthalmic surgical equipment financing.
Optical lab and lens edgers
Lens edgers, tracers, blockers and finishing lab equipment, plus frame boards and dispensary fixtures. An edger with its tracer and blocker is the usual core of an in-house lab, and the dispensary can go on the same lease to bring the total to $10,000 or more.
New practices and expansions
Cold starts, second locations, added lanes and practice acquisitions. Startups are considered on the doctor's personal credit and experience, and the lanes, imaging, lab and build-out can be financed together. More on startup equipment financing.
Refurbished and used equipment
Refurbished OCTs, used lanes and equipment bought from a retiring doctor finance the same way as new. The paperwork is an invoice or bill of sale that lists each item, and we pay the dealer or seller directly. See used equipment financing.
What sets the payment on optometry equipment
Four things decide the monthly number. To see a range before you talk to anyone, use the equipment lease calculator.
The whole installed cost
The equipment plus delivery, installation, software, EHR integration and training. Including the soft costs makes the amount larger but keeps that cash in the practice.
The term
Usually 24 to 60 months. A longer term lowers the payment. Matching it to how long the imaging will stay current keeps you from paying on a device you have already replaced.
The end-of-term option
A fair market value lease has a lower payment and lets you return or upgrade. A $1 buyout lease or an equipment finance agreement costs more each month, and you own the equipment at the end.
The practice behind it
Time in business, the doctor's credit history and the size of the transaction. Most deals up to $150,000 are decided on a one-page application without financial statements.
FREE QUOTE
Get a custom quote in minutes
Tell us what equipment you need — from any list above, or something that is not on one. An ACG specialist follows up, typically within 24 hours, with options built around your business.
Business equipment financing. $10,000 minimum. We do not finance personal or household purchases.
- — NO OBLIGATION, NO HARD CREDIT PULL
- — NEW OR USED, ANY VENDOR
- — OR CALL (949) 822-3017
Three steps to your equipment
01
Request a quote
Use the form above or call (949) 822-3017. No obligation and no hard credit pull to get a number.
02
Secure approval and sign
Most decisions come back the same day. Documents are signed online.
03
Order your equipment
We deal with the vendor directly — payment, inspection and delivery — so you can keep running the business.
Optometry equipment financing questions
Can I finance an OCT for my optometry practice?
Yes. OCT and OCT-A systems, including Zeiss Cirrus and Heidelberg Spectralis, are financed new or refurbished, with the table, workstation and EHR interface on the same agreement. An OCT usually clears the $10,000 minimum on its own, and a fundus camera or visual field analyzer bought at the same time can go on the same lease.
Can I finance a single slit lamp or phoropter?
A single slit lamp, phoropter, tonometer or other small instrument usually costs less than $10,000, so it does not qualify on its own. Bought together with the chair, stand and other lane equipment, or with other equipment for a total of $10,000 or more, it does, and everything goes on one agreement.
Can I finance a complete exam lane?
Yes. Chair, stand, slit lamp, digital phoropter, autorefractor, lensometer and tonometer are financed as one lane, which is how most practices add or refresh a room. Two or three lanes for a new office can go on the same lease.
Do you finance LASIK and other ophthalmic lasers?
Yes. Excimer and femtosecond lasers for LASIK and cataract surgery, YAG and SLT lasers, and phaco systems are financed new or used, from any dealer. Installation and other soft costs sold with the system can be included.
Do you finance an optical lab and lens edger?
Yes. Lens edgers, tracers, blockers, finishing lab equipment and frame boards are financed. An edger with its tracer and blocker is the usual core of an in-house lab, and the dispensary fit-out can go on the same lease to reach the $10,000 minimum.
Can a new optometry practice finance its equipment?
Yes. Startups are considered. A practice opening cold is underwritten on the doctor's personal credit and experience rather than business history. Apply during the build-out so the equipment arrives with the office, not after it.
Is it better to lease or buy optometry equipment?
It depends on how long the equipment stays current in your practice. Imaging that you expect to upgrade in a few years suits a fair market value lease, with the option to return or upgrade it. Chairs, stands and lab equipment you expect to keep usually suit an equipment finance agreement or a $1 buyout lease, which you own at the end. Your accountant should confirm the tax treatment.
How quickly can optometry equipment financing be approved?
Most quotes come back the same business day. Up to $150,000 is usually decided on a one-page application without financial statements, and terms run 24 to 60 months.
Know what you need?
An application takes a few minutes and most decisions come back the same day. If you would rather see a payment first, the calculator gives you a range without asking for anything.