Equip your exam lanes without tying up practice cash
OCT, fundus cameras, slit lamps, phoropters, optical lab edgers and dry-eye systems. New or used, from any vendor, for new graduates opening a first practice and established ODs adding technology.
Optometry equipment we finance
Diagnostic technology is what separates a routine refraction from a full medical eye exam, and it is also what lets a practice bill for more services. These are the systems ODs finance most.
Rough cost ranges for common equipment
Prices vary widely by brand, features and new vs. refurbished. Use these ballpark ranges to plan, then send us your vendor quote for exact payments.
| Equipment | Typical new price |
|---|---|
| OCT | $40,000 – $100,000+ |
| Fundus / retinal camera | $15,000 – $50,000 |
| Visual field analyzer | $20,000 – $45,000 |
| Complete exam lane (chair, stand, phoropter, slit lamp) | $20,000 – $50,000 |
| Autorefractor / keratometer | $10,000 – $25,000 |
| Optical lab edger system | $20,000 – $60,000 |
| Dry-eye treatment system | $20,000 – $60,000+ |
Estimates only, not quotes. Refurbished equipment often costs 30–50% less and can be financed the same way.
How equipment financing works for your practice
Funding your equipment, explained.
Your trusted source for business capital.
Why eye care practices finance with us
Lease, finance agreement or loan?
| Equipment finance agreement (EFA) | $1 buyout lease | FMV lease | |
|---|---|---|---|
| Who owns it | You, from day one | You, at the end for $1 | The lessor; buy, renew or return at the end |
| Best for | Equipment you'll keep 7+ years | Keeping it, with lease structure | Tech you'll upgrade every 3–5 years (OCT, imaging) |
| Section 179 | Yes | Yes | No, but payments are generally deductible |
| Monthly payment | Standard | Standard | Lowest |
| Terms | 12 to 72 months, fixed payments | ||
More detail: lease vs. EFA and types of equipment leases. Price a payment with the lease payment calculator.
What it takes to qualify
- Active business entity or professional practice registration
- Personal guaranty from the owners (corp-only available for established groups)
- Minimum 625 credit score for most programs
- No bankruptcies in the last 7 years
- No unresolved tax liens
- Vendor quote or invoice for the equipment
Not sure where you stand? Try the approval indicator.
New ODs and practice acquisitions
A cold start needs more than equipment: build-out, frame inventory, and working capital until insurance panels start paying. Equipment financing covers the lanes and diagnostics, while an SBA or term loan can cover the build-out or the purchase of an existing practice. We can structure both together, so you don't use one loan for everything.
From vendor quote to first patient
- Get your quoteChoose your equipment from any dealer or manufacturer, new or used.
- Apply in minutesA one-page application covers requests up to about $250K.
- Get approvedOften by the next day. You see the full payment schedule before you sign.
- We pay the vendorUsually 1–5 days after signing and delivery confirmation.
Optometry equipment financing questions
Can a new optometrist get equipment financing?
Yes. New graduates and first-time practice owners are considered based on strong personal credit, usually with a down payment. Established practices can often finance with $0 down on approved credit.
Can I finance used or refurbished optometry equipment?
Yes. Used and refurbished equipment from dealers or retiring practices can be financed, as long as the equipment and seller can be verified.
Should I lease or buy an OCT?
If you expect to upgrade within 3 to 5 years, a Fair Market Value lease gives the lowest payment and an easy upgrade path. If you plan to keep it longer, an EFA or $1 buyout lease lets you own it and may qualify for Section 179.
Can installation, training and software be included?
Yes. Financing can cover up to 120% of the equipment cost, including shipping, installation, training and software.
How much can I finance on the application alone?
Up to about $250,000 with a one-page application, depending on credit and time in business. Larger packages can be financed with financial statements.
Can I bundle equipment from several vendors?
Yes. One approval can cover multiple vendors, combined into a single monthly payment.
Ready to upgrade your exam lanes?
Send us your vendor quote and get approved, often by the next day.
Equipment prices shown are general estimates, not quotes. All financing subject to credit approval; terms vary by credit, time in business and equipment. Liberty Capital Group, Inc. is not a tax advisor; consult your CPA about Section 179. NMLS #2009539 · CA DFPI #60-DBO49692.