PET/CT Scanners financing. Soft-pull pre-qualification, no credit impact.
PET/CT Scanners financing covers loans, leases, and equipment finance agreements (EFAs) for businesses purchasing pet/ct scanners in the medical category. Average asset price is about $2,400,000. Typical terms 36 to 84 months with a typical replacement cycle of 11 years.
Below we cover rates by credit tier, qualifying documentation, used-vs-new dynamics, Section 179 implications, and how to compare lenders on this equipment.
| Average asset price | $2,400,000 |
| Typical term length | 36 to 84 months |
| Minimum credit score | 580+ |
| Replacement cycle | 11 years |
Borrow against the equipment. Own from day one. Standard amortization.
Lease with $1 purchase option at term-end. Tax-favorable for Section 179.
Lease with fair-market-value buyout. Lowest monthly payment; return or buy at residual.
Equipment Finance Agreement. Loan-like instrument, lien on the equipment, fixed payments.
See the universal guide on loan vs lease vs EFA vs $1 buyout for the full breakdown.
To qualify for PET/CT Scanners financing, expect lenders to look for: a credit score of 580+, and % to % down.
We look at more than credit. Strong revenue, time in business, and down payment can offset a sub-650 score. Our specialty programs approve challenged-credit applications across most equipment classes.
PET/CT Scanners financing is available for credit scores as low as 580 with the right program match. Expect terms in the 36 to 84 month range, down payments of % to %, and APRs from 12% to 22%.
Loan approval is subject to lender review. Credit profile, revenue, time in business, and other factors determine approval.
Used PET/CT Scanners financing typically funds units up to 10 to 15 years old, with rates 1 to 3 points above new-equipment financing. Lenders pull valuation from industry sources (NADA, Iron Solutions, Mascus, or auction results).
Get a quote on used or newFor most buyers, financing-to-own wins when you want long-term equity in the asset, your tax position favors Section 179 depreciation, and the equipment holds value through the term. Leasing wins when you want the lowest monthly payment, plan to upgrade frequently, or need to preserve working capital.
Read the full lease-vs-buy breakdown, with side-by-side cost comparisons.
Section 179 lets you deduct the full purchase price of qualifying equipment in the year you put it into service (subject to annual limits). Most PET/CT Scanners qualifies. The 2026 §179 limit and deduction phase-out apply.
Read the universal Section 179 guide for current-year limits, eligibility rules, and the §179-vs-bonus-depreciation interaction.
Three quotes for the same PET/CT Scanners can come back with three different numbers, and the gap is rarely the equipment itself. The gap is what each dealer rolls in, what each lender treats as cost-of-deal, and what shows up as separate paper at funding. Knowing the line items in advance tells you what you are actually negotiating.
Base equipment. The unit itself, in the configuration the seller is offering. For PET/CT Scanners, base pricing typically runs $2.4M to $3.4M depending on configuration, year, hours, and condition. Two units of the same model can price differently based on software license tier, included consumables, and the service contract status at the time of sale.
Attachments, options, and add-ons. Probe heads, software modules, additional licenses, and consumable starter packages appear as separate lines. Each is financeable. On medical imaging in particular, the software and license stack often costs as much as the base hardware.
Delivery, setup, and training. Delivery, on-site installation, calibration, and operator training can run 3 to 8 percent of base price. For medical and high-touch indoor equipment, the manufacturer commonly sends a representative on site for commissioning. Negotiate the inclusion of this service into the base price rather than as a separate add-on.
Sales tax and use tax. Sales or use tax is owed in most states and typically rolls into the financed amount; the lender remits it at closing. State conformity rules vary, and a few states offer manufacturing or production exemptions that change the math. Confirm the tax line with the seller before signing rather than discovering it at funding.
Extended warranty, service contract, and consumables. Service and software-maintenance contracts on this class of equipment commonly run 8 to 18 percent of base price annually. Bundling the first year into the loan is standard. Bundling multiple years into the loan converts a recurring expense into a financed asset, with the same trade-off as financing any other soft cost.
Across the volume we fund on PET/CT Scanners, four buyer profiles cover most applications. The framing of each profile drives the application narrative. Same equipment, same price, different profile, different rate; the variance is real and worth understanding before you apply.
An established business swapping out a unit that has aged past its useful life. The story for lenders is the cleanest: a known revenue stream, a known asset, and a documented reason for the spend. These applications close fastest and at the best rates.
A business that has historically rented adding equipment to its own book to reduce rental spend. Lenders look favorably on this story because the rental cost is documented and the math is transparent. The conversion from rent to own is one of the cleanest financing applications.
A business with revenue that concentrates in certain months. We price seasonal risk by either requesting larger down payments, asking for proof of working capital reserves, or structuring seasonal payment skips that match the revenue pattern.
An established operator adding a new equipment class outside their core business (a trucking firm adding a tow truck, a landscaper adding paving equipment). The application narrative hinges on related-experience and a plausible revenue path; expect us to ask how the new asset will be put to use.
Application review on PET/CT Scanners financing weights the borrower side first and the equipment side second. The borrower factors below carry the most influence on rate, term, and down payment. Knowing how each maps to your specific situation lets you put the application together so the strong parts stand out.
We fund based on what is on the bill of sale. The bill of sale is the seller representation, signed off by the buyer at delivery. Catching gaps between what was represented and what was delivered is a buyer responsibility. The items below are the ones we see signed past most often.
The patterns below are not unique to PET/CT Scanners. They are the standard places where equipment finance transactions surprise the borrower post-funding. Each is preventable at the application or document-review stage.
The funding documents authorize the lender to ACH debit your account for monthly payments. Some authorizations are limited to the regular monthly payment; others give the lender authority to debit late fees, NSF fees, or other charges. Read the ACH authorization clause and limit it where you can.
Some equipment dealers present vendor-arranged financing as the only path, when independent equipment lenders would beat the rate by 1 to 3 points for the same borrower. Always get at least one independent quote before accepting dealer financing on a transaction over $50,000.
Equipment loans often carry pre-payment penalties for the first 12 to 36 months of the term. Standard structures range from 3 percent of the payoff in year one declining to zero by year three, to a flat fee of $500 to $2,000. If you expect to refinance or pay the loan off early, understand the penalty math before signing.
If your transaction includes a trade-in with an existing lien, the new lender pays off the trade-in lien as part of the funding. Verify the trade-in payoff amount the new lender uses matches the actual payoff from the prior lender (which can include accrued interest and fees through the funding date). A $500 to $2,000 gap is common if this is not reconciled.
PET/CT Scanners financing typically prices at 7-12% APR for prime credit (720+ FICO) and 11-17% for fair-to-challenged credit (600-679). Standard terms run 36-72 months with 0-15% down. Approvals close in 24-72 hours on app-only programs (typically under $150K) and 3-7 business days on full-financials deals. Required documents: driver license, voided business check, last 3 months bank statements, and the equipment quote.
What actually happens day-by-day, from application to equipment in service. Most buyers underestimate one or two of these steps; knowing them up front prevents surprises.
The equipment purchase price is one line on the financed amount. The actual cost of ownership over the life of a pet/ct scanners deal includes the items below. Buyers who only budget for the purchase price often hit cash-flow surprise within the first 12 months.
Equipment loans run for 36 to 96 months. Things change. The patterns below cover the situations that come up most often during the loan term and how they typically resolve.
Personal guarantee makes the principal personally liable for the debt if the business defaults. Working with us on workout or restructure is the preferable path. Personal bankruptcy is a real consequence of unresolved default with personal guarantee.
Lease structures require purchase, return, or renewal at end of term, typically with 60-90 day notice. Missing the notice deadline can trigger automatic renewal or fair-market-value buyout. Decide and communicate before the deadline.
Insurance proceeds pay off the loan balance or fund replacement equipment with lender consent. The loan does not cancel automatically with the equipment loss; coordination with lender is required.
Most equipment loans are personally guaranteed and assumable with our consent during ownership change. The new owner submits an application similar to the original; we review and either consent or require payoff.
The rate ranges, structures, and program details on this page are informed by our internal financing book and the public industry resources below. We link out so you can verify any specific claim or go deeper.
Ed Stapleton Jr. is a serial entrepreneur who has started or acquired over a dozen businesses. He founded Fund My Equipment as the resource he wished he had along the way.
Soft-pull prequalification across 22 equipment categories. No credit impact. Decisions in 24-72 hours.
