Capital committees meet twice a year. Equipment fails whenever it likes. Financing exists to close that gap - and structured properly, it moves spend from capital to operating budget without costing more in real terms.
Typical terms
The right structure depends on whether you intend to keep the equipment for its full life, whether the technology is likely to move underneath you, and how your finance team wants it to appear on the balance sheet.
You own the equipment outright at the end for a nominal dollar. Payments are higher than an FMV lease, but the total cost of ownership is lowest if you plan to keep the asset for its full service life.
Best for: hospital beds, sterilizers, surgical tables - equipment with a long, predictable life and stable technology.
Lower monthly payments, with the option at the end to buy at fair market value, return the equipment, or upgrade to a current-generation system. Often qualifies as an operating expense.
Best for: ultrasound, monitoring and imaging where a five-year-old platform is meaningfully behind the current one.
Payments deferred 90-180 days, or stepped so they start low and rise. Useful when the equipment needs to be installed before the revenue it supports begins to arrive.
Best for: new service lines, new sites, and any project where installation precedes billing by a quarter or more.
A single monthly figure covering equipment, planned maintenance, corrective repair, consumables and scheduled technology refresh across a whole department or fleet.
Best for: multi-site groups that want one predictable operating line instead of a scattering of capital requests.
An indicative monthly figure so you can sanity-check a project before involving finance. It is arithmetic, not an offer - actual rates depend on credit profile, term, structure and the equipment being financed.
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Illustration only. Figures assume equal monthly payments in arrears and, on a fair market value structure, a residual of approximately 10% of equipment value. This is not a credit offer, a commitment to lend, or financial advice.
Get a real financing quoteFinancing is structured against a firm, itemized equipment quote so the numbers do not move afterwards.
A one-page application for most amounts. Financial statements are requested above $250,000.
Typically 24-72 hours. You receive the approved structure, rate and term in writing.
Lease documents issued electronically. Your finance team reviews before anything is signed.
Equipment is ordered and scheduled. Payments usually begin after commissioning, not after shipping.
Yes. Soft costs - freight, rigging, installation labor, training days and the first year of service coverage - can all be rolled into the financed amount so the project lands as one line.
Yes, on terms up to 60 months. Refurbished equipment usually finances at a slightly shorter maximum term because the residual life is shorter.
Lease payments are separate from equipment performance, which is exactly why the service agreement matters. We structure both together so a covered failure is a service issue, not a financing dispute.
On a $1 buyout structure, yes - early settlement quotes are available at any point. Fair market value leases are generally not prepayable, since the payment reflects use rather than ownership.
Regularly. If your organisation has a preferred leasing partner or an established master lease, we quote into it rather than pushing our own funding source.
Often yes, typically with a personal guarantee and a modest deposit. We will tell you honestly at the application stage rather than after a credit search.
Important: JS Medical Equipment LLC arranges equipment finance through third-party funding partners and is not a lender or a licensed financial adviser. Nothing on this page is an offer of credit or a recommendation. All facilities are subject to credit approval and the funder's documented terms. Consult your own finance and tax advisers on how a given structure should be treated in your accounts.