Samsung RS85 Financing

Yes. A combined RS85 and HERA W10 package is a single financed amount with one approval decision. The combined total will be well above our minimum, and a multi-system transaction from the same manufacturer and dealer often moves more efficiently through dealer documentation. We structure the monthly payment on the full package.

Multi-owner practices apply under the corporate entity. We typically request personal guarantees from each owner above a threshold ownership percentage, which the lender specifies in the term sheet. The corporate application and each guarantor's personal credit profile are reviewed together. Multi-physician group practices generally have strong aggregate credit profiles and approve readily.

Continuous service contract coverage is a positive underwriting signal. It indicates the system has been maintained by authorized technicians and that any issues were addressed rather than deferred. We note it in the deal file. It does not change the interest rate directly, but it supports the collateral assessment and reduces the lender's concern about hidden maintenance needs.

Yes. Extended service contracts purchased at the time of equipment acquisition can be included in the financed amount. The service contract becomes part of the total financed package with a single monthly payment covering both the equipment and the coverage. We cannot add a service contract to an existing loan after closing; it needs to be included at origination.

Feature-richness generally supports collateral value because it expands the pool of buyers in a future resale scenario. An RS85 with full elastography is more marketable on the secondary market than a system with fewer capabilities, which gives the lender better recovery prospects if the loan were to go into default. This is one reason well-configured RS85 units tend to get favorable advance rates relative to the purchase price.