Financing & leasing
Financing a fractional CO2 laser
Most practices do not pay cash for a laser. Here is how leasing and financing generally work, where Section 179 may fit in, and what to have ready when you ask for an estimate. Terms vary, and approvals are never guaranteed.
Your options at a glance
| Option | How it generally works | Worth asking |
|---|---|---|
| Equipment financing | Fixed payments over an agreed term, typically with a down payment. You generally own the system. | Rate, term, down payment, early-payoff rules. |
| Equipment lease | Monthly payments for an agreed term. End-of-term choices are set by the lessor. | Buyout or return terms, what the payment includes. |
| Cash purchase | You pay the full price up front. | How cash versus financing fits your cash flow. Ask your advisor. |
| Risk-Free Laser Program | A Saratoga program listed on saratogatec.com for practices adding aesthetic lasers. | Current terms, eligibility and availability. See the program page below. |
Payment amounts depend on the purchase price, term, down payment and the lender. Saratoga does not publish a payment on this page; ask for an estimate for your configuration.
What affects your terms
- The lender's credit review of your practice and its owners.
- Time in business and the financial information you provide.
- The equipment, configuration and purchase price.
- The term and any down payment.
Section 179 and your tax advisor
Section 179 of the U.S. tax code may allow a business to deduct the cost of qualifying equipment in the year it is placed in service, rather than depreciating it over several years. Eligibility, annual limits and phase-outs change and depend on your situation, including how and when the equipment is placed in service.
Consult your tax advisor before you decide how to buy. Saratoga does not provide tax advice.
Saratoga's Risk-Free Laser Program
Saratoga Technologies lists a Risk-Free Laser Program on its main site for practices that want to add aesthetic laser treatments. Bella Donna fractional CO2 is among the systems named on the program page. The program's terms, eligibility and availability are set by Saratoga and can change.
Read the Risk-Free Laser Program page or call 1.800.890.9470 for current details.
What to have ready
- Your practice name, legal entity and state.
- The supervising physician or medical director.
- How long the practice has been operating.
- The system and configuration you are considering, and your target timeline.
- Whatever financial documents the lender asks for.
How to get a financing estimate
- Call 1.800.890.9470 or email Info@SaratogaTec.com with your practice name, state and timeline.
- Your Saratoga specialist confirms the configuration and price on a written quote.
- Ask for a financing estimate based on that quote.
- Review the terms with your tax advisor and your attorney before you sign.
Want to see how a lease payment could compare with possible revenue? Try the CO2 laser ROI calculator, or read the buying guide.
Financing questions
Can I lease a fractional CO2 laser instead of buying it?+–
Many practices finance or lease equipment. Availability, rate, term and end-of-term options depend on the lender, your practice and the equipment. Request a financing estimate from a Saratoga specialist for the options that may fit your situation.
Is financing approval guaranteed?+–
No. Financing is subject to credit approval and lender terms, and not every application is approved. Saratoga cannot guarantee approval, a particular rate or a particular monthly payment.
Does Section 179 apply to a CO2 laser?+–
Section 179 may allow a business to deduct the cost of qualifying equipment in the year it is placed in service, subject to limits and eligibility rules that can change. Whether it applies to you depends on your situation. Consult your tax advisor.
How much will the monthly payment be?+–
It varies with the purchase price, the term, any down payment and the lender's terms. Ask for a written financing estimate for your configuration. The ROI calculator on this site uses an illustrative lease amount only.
Does Saratoga have a program that reduces up-front risk?+–
Saratoga lists a Risk-Free Laser Program on saratogatec.com. Terms, eligibility and availability are set by Saratoga and can change, so check the program page or call for current details.