Medical Equipment Financing Calculators
Model loans, leases, lease vs buy, and ROI for imaging systems, dental chairs, diagnostic and clinical devices.
Equipment Loan Calculator
Equipment Loan Calculator
Calculate monthly payments, total interest, and see your complete amortization schedule.
$
$15,000 (10.0%)
7.00%
72 months (6.0 years)
Loan Summary
Loan Amount
$135,000
Down Payment
$15,000 (10.0%)
Loan Results
Enter equipment details to see loan calculations
Equipment Lease Calculator
Equipment Lease Calculator
Calculate lease payments using factor rates, residual values, and end-of-lease options.
$
2.400% (4.8% APR equiv.)
Factor rate is the lease cost per dollar of equipment value. Lower is better.
48 months (4.0 years)
$45,000 (30.0%)
Estimated equipment value at lease end. Higher residual = lower payments.
Lease Summary
Equipment Cost
$150,000
Residual Value
$45,000 (30.0%)
Factor Rate
2.400%
Lease Term
48 months
Lease Results
Enter equipment details to see lease calculations
Lease vs Buy Calculator
Lease vs Buy Comparison
Compare equipment financing options side-by-side to make the best decision.
$
Loan Options
$15,000 (10.0%)
7.00%
72 mo (6.0 yr)
Lease Options
2.400%
48 mo (4.0 yr)
$45,000 (30.0%)
Quick Summary
Equipment: $150,000
Loan Amount: $135,000
Residual: $45,000 (30.0%)
Enter equipment details to compare financing options
Equipment ROI Calculator
Equipment ROI Calculator
Calculate return on investment, payback period, and revenue projections for equipment purchases.
$
$
$
60 months (5.0 years)
Profit Summary
Monthly Profit
$18,000
Annual Profit
$216,000
• Revenue: Income generated by using this equipment
• Expenses: Operational costs (maintenance, fuel, labor, etc.)
• Analysis shows equipment's financial performance over time
ROI Analysis
Enter equipment details to see ROI analysis
Healthcare Financing Tips
- Consider tech refresh needs; shorter lease terms can align with upgrade cycles.
- Evaluate service contracts and warranties in total cost of ownership.
- Tax treatment differs for loans vs leases; consult your advisor.
Medical Equipment Financing: Complete Guide
Medical equipment often qualifies for competitive terms due to high utilization and strong revenue potential. Use the calculators above to compare loan vs lease and model ROI based on expected procedure volumes.
Key Considerations
- Maintenance and calibration contracts impact total cost
- Upgrade cycles favor leasing for certain modalities
- Reimbursement rates affect ROI projections
Best Practices
- Validate demand with conservative utilization assumptions
- Compare FMV leases vs $1 buyout for technology equipment
- Coordinate financing with installation and training timelines