A system that scans earns. The sooner it is in place and credentialed with payers, the sooner reimbursements start arriving. Deferred-payment financing is built on exactly that logic: take delivery now, begin generating scan volume, and let the first 60 to 90 days of actual revenue ramp before your first loan payment is due. The equipment pays for itself from the beginning instead of starting life as a pure liability.
Most lenders offer deferral periods of 60, 90, or in some cases 180 days. The most common structure in the imaging space is a 90-day deferral, which gives a practice enough time to complete credentialing, train staff on the new system, and bring scan volume up to a level that comfortably covers the monthly payment. After the deferral period, payments run on a standard fixed schedule for the remainder of the term.
One thing worth understanding upfront: deferred-payment financing is not interest-free financing. During the deferral window, interest typically accrues on the outstanding principal. That accrued interest gets added to the loan balance before regular payments begin, which modestly increases the effective cost of the loan compared to a deal that starts payments immediately. For most practices, the trade-off is clearly worth it because the revenue generated during those early months more than offsets the additional interest. We will show you the exact numbers before you commit.