Medical Equipment Financing Calculator
The EquipCash Medical Equipment Financing Calculator estimates your monthly payment on MRI machines, CT scanners, surgical systems, and other medical equipment — instant results for healthcare providers, no sign-up needed.
Medical Equipment Financing Calculator
Enter your equipment details for an instant monthly payment estimate.
$1 Buyout Lease
Estimated monthly payment
Purchase the equipment for $1 at the end of the lease term, subject to your agreement.
True Lease (FMV)
Estimated monthly payment
Payment reflects the residual percentage you select above.
Both estimates use the same equipment price, down payment, lease term, and illustrative annual rate of 8.25%. The selected residual applies only to the FMV calculation.
$1 Buyout Lease estimates assume a $1 purchase option at the end of the term. True Lease (FMV) estimates use your selected residual percentage, which is an illustrative projected equipment value at lease-end, not a fixed or guaranteed purchase option. Actual FMV lease end-of-term choices (return, renewal or purchase at then-current fair market value) depend on the agreement. This calculator assumes a level monthly payment, no advance rentals, and excludes taxes and fees. This is an estimate only, not a financing offer or guarantee of approval. Your actual rate and monthly payment will depend on your credit profile, time in business, equipment type, and lender underwriting. All rates and terms are determined at the time of approval and are subject to change.
$1 Buyout vs. True Lease (FMV): Which Fits Your Medical Practice?
Compare medical equipment leasing and financing options based on your practice’s cash flow, equipment needs, and long-term plans. The right structure depends on whether you expect to keep the equipment or want flexibility when technology changes.
$1 Buyout Lease: A Path to Ownership
A $1 buyout lease generally has higher monthly payments than a comparable FMV lease because nearly the entire equipment cost is paid over the term. At lease-end, the equipment can be purchased for $1 under the agreement.
Potential benefit: A practical choice for practices planning to keep diagnostic, surgical, or other durable medical equipment for years.
True Lease (FMV): Payment Flexibility
A True Lease (FMV) typically offers lower monthly payments when the lessor assumes meaningful equipment value remains at lease-end. Depending on the agreement, options may include returning the equipment, renewing the lease, or purchasing it at its then-current fair market value.
Potential benefit: May suit practices that periodically upgrade imaging systems or other technology-sensitive medical equipment.
The residual percentage in this calculator is an illustrative assumption, not a guaranteed purchase price or lender-approved residual. Lease classifications, tax treatment, and accounting consequences depend on the specific agreement and applicable rules. Consult your tax or accounting professional.
Medical Equipment Lease Tax Benefits: FMV vs. $1 Buyout
Both lease structures may provide tax advantages, but the type of deduction can differ. Consider the potential tax treatment alongside the estimated monthly payments shown above.
True Lease (FMV)
If the agreement qualifies as a true lease for tax purposes, qualifying lease payments are generally deductible as business expenses. Other potential advantages include lower monthly payments and equipment-upgrade flexibility.
$1 Buyout Lease
Typically treated as a financed purchase for tax purposes. Eligible businesses may qualify for depreciation, Section 179 expensing, bonus depreciation, and potentially interest deductions, subject to applicable rules.
Illustrations only; not tax advice. Tax treatment depends on the contract, tax ownership, equipment eligibility, and current law. A tax true lease is not necessarily an operating lease for accounting purposes. Consult your CPA or tax adviser. Financing is subject to capital partner approval.
EquipCash Offers Both $1 Buyout and True Lease (FMV) Financing
Compare the estimated monthly payments above, then apply to explore the financing structure that fits your medical practice. EquipCash works with capital partners offering both options, subject to approval and equipment eligibility.
Apply for Either Lease Option →Medical equipment financing — what to know
The Medical Equipment Financing Calculator is designed for physicians, practice owners, hospitals, and healthcare facilities evaluating the cost of financing clinical and diagnostic equipment. Enter the equipment price for an instant payment estimate using EquipCash's best available rate. Medical capital equipment investment is a national priority — the American Hospital Association tracks equipment spending across U.S. healthcare facilities.
What medical equipment can I finance?
Most clinical and diagnostic equipment qualifies: MRI systems, CT scanners, X-ray machines, ultrasound systems, surgical robots, patient monitoring systems, dental chairs and units, veterinary equipment, lab analyzers, and much more.
Can I finance medical equipment as a startup practice?
Yes. EquipCash works with lenders that finance startup practices and physicians establishing a new clinic. Strong revenue projections and a business plan help. See our medical equipment financing for startups guide.
Does medical equipment qualify for Section 179?
Yes — medical equipment is one of the most common Section 179 deduction categories (IRS Publication 946). Run your numbers in this Medical Equipment Financing Calculator, then use our Section 179 Calculator to see your estimated tax savings.