What we finance, and who funds it
We arrange healthcare equipment financing through major Canadian banks and specialised leasing institutions, covering imaging and diagnostic equipment, medico-aesthetic lasers and treatment platforms, laboratory and analysis equipment, and optical and optometry equipment. New systems from a manufacturer or distributor and certified used systems both qualify, along with the installation and training costs that often accompany clinical equipment. Practices adding a new service line, a clinic adding aesthetic treatments or a lab adding an analysis capability, can finance the platform that launches the line rather than waiting for retained earnings to cover it.
Technology cycles, not wear, drive replacement
Technology cycles drive this sector more than wear does. Clinical platforms are superseded by newer generations that patients ask for by name, and a practice competing for those patients needs current equipment. A lease structure aligned to the platform's competitive life means the clinic upgrades on the technology cycle instead of holding obsolete equipment because it is paid for. Regulatory and licensing requirements at the provincial level, and device standards federally, also favour maintained, current-generation systems.
Why clinic revenue supports the file
The financing case is strengthened by how predictable clinic revenue is. A practice knows its procedure volume and fee schedule, so the monthly payment can be weighed against known revenue rather than a projection. Startup structures exist for practitioners opening a first clinic, a path our lenders see often in the medico-aesthetic field. Applications above $250,000 require financial statements, and we tell you precisely what the file needs before anything is submitted. Both lease structures remain available, with tax treatment and upgrade plans deciding between them. Tell us the platform you are adding, and we come back with terms from lenders who finance Canadian healthcare practices regularly.
