This Is Why You're Here
Why Ophthalmologys Come to Us Instead of Their Bank
You want to add LASIK — the femtosecond laser is $450K and the excimer is $250K. Combined, they'd generate $80K+/month in elective revenue. Your bank doesn't finance elective equipment.
Your OCT machine needs replacing — the new model is $85K. You're losing patients to the practice down the street that has the latest diagnostic technology.
A retiring ophthalmologist is selling their practice — 4,000 patients including 800 surgical candidates. Price is $1.8M and two other buyers are circling.
Your premium IOL inventory costs $35K to stock and the distributor switched to net-15 terms. You've got 20 cataract surgeries booked this month and can't afford to delay — each surgery generates $3K-$5K in fees.
The ASC where you do procedures just raised your facility fee 30%. Building your own ambulatory surgery center costs $600K but saves you $12K a month in facility fees. You need financing to make the jump.
Adding LASIK meant a $450K femtosecond laser. Every bank said it was too much for a single device. Basecamp's lender used the laser as collateral — funded $450K in 10 days. We did $92K in LASIK revenue the first month.
Dr. Priya S., Ophthalmologist, Austin, TX
Ophthalmology Financing
Get Your Ophthalmology Business Funded in 60 Seconds
Slide the calculator to see your estimated approval range. Then answer 3 quick questions to lock it in. No documents needed. Soft-pull pre-qual.
See What You Could Qualify For
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Estimated Approval Range
Based on 100-150% of monthly revenue
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Built for Your Business
Why Ophthalmology Businesses Choose Basecamp
We Finance Elective Equipment
Banks won't touch LASIK lasers because they see it as elective. Our lenders see a $450K machine generating $80K a month. Femtosecond, excimer, we've funded them all.
Diagnostic Upgrades in Days
OCT machines, visual field analyzers, slit lamps — $40K-$100K each. Patients leave when your diagnostics are outdated. We fund replacements in under a week.
Premium IOL and Lens Inventory
Offering premium lenses means stocking $20K-$50K in IOL inventory before the first surgery. A credit line covers lens inventory so you can offer every option.
ASC Build-Outs We Understand
Adding an ambulatory surgery center is a $500K+ project. Build-out, licensing, equipment. We package ASC financing so you stop paying facility fees to the hospital.
Bobby's Take
Bobby's Playbook for Ophthalmology
Most ophthalmology practice owners are evaluated by banks the same way a retail shop is — top-line revenue, profit margin, two years of returns. What banks miss is that cataract-volume revenue plus premium-IOL cash-pay upsells generates predictable cash flow that doesn't show up in P&L the way bankers expect. The specialists who fund ophthalmology practices know to read your premium-IOL conversion rate and surgery-volume billing. Here's how to position your transaction so the right lenders see it first.
Three things determine whether an ophthalmology transaction closes: monthly cataract case volume, premium-lens (toric, multifocal) attach rate, and your in-office optical retail revenue. Not your personal FICO. Not your years in practice. Specialist ophthalmology lenders care about whether your blended surgical and optical revenue supports a $4,500-$8,000/month payment — and whether your premium-lens attach rate captures the cash-pay revenue that protects the file from straight Medicare reimbursement.
The biggest mistake ophthalmology operators make: applying with insurance receivables blended together with cash-pay premium-lens upsells. The lender sees mixed receivables and prices to the insurance side. The fix: separate cash-pay premium-lens revenue, optical retail, and insurance-billed surgical revenue on the file. Specialist ophthalmology lenders price the cash-pay revenue as the strongest part of the practice. Generalist lenders apply A/R aging to everything and underwrite conservatively.
premium-lens upsell revenue lost without femtosecond capability
Where this gets interesting at scale: an ophthalmology practice adding femtosecond cataract laser, expanding into refractive surgery, or building an in-office surgical suite doesn't need ONE loan. They need equipment financing for the surgical laser + a working capital line for premium-lens inventory + a revenue-based term loan against existing surgical revenue to cover an ASC build-out. Three products, three lenders, one application — that's how single-modality ophthalmology practices scale into full-spectrum surgical centers.
The ophthalmology operators who scale fastest aren't the ones who waited for the next reimbursement-rate cut to drive them to act. They're the ones who structured financing so they could add femtosecond capability and capture the premium-lens upsell market. Every quarter you delay adding the technology is $30,000-$70,000 a month in premium-lens upsell revenue going to competing practices. Run the numbers in 60 seconds — see what 70+ specialist lenders will offer your ophthalmology practice this week.
Bottom line:
Ophthalmology practices get underwritten on Medicare reimbursement when premium-lens cash-pay is the actual upside. Show toric and multifocal attach rate — that's the cash-pay revenue specialists price first.
Bobby Friel
Founder, Basecamp Funding
What You're Up Against
The Real Challenges Ophthalmologys Face
Pricing Transparency
What Ophthalmology Funding Actually Costs
Rates and terms depend on credit, revenue, time in business, and lender. Every business is unique — see what 70+ lenders will offer you in 60 seconds. Soft-pull pre-qual.
These are industry averages. Your actual rate depends on your revenue, credit profile, and time in business — it could be lower. Run your specific numbers in 30 seconds.
Calculate Your Real Cost →Tax Strategy
Section 179 Breakdown for Ophthalmologys
Finance the equipment. Keep your cash. Take the deduction. Your femtosecond laser costs $210,000 after taxes and you never touched your reserves.
Bobby Friel
Founder, Basecamp Funding
How It Works
From Application to Funded in 5 Steps
No paperwork avalanche. No bank lobby. No guessing.
60-Second Intake
Tell us about your practice, specialty, and monthly receipts. No HIPAA-sensitive uploads.
Soft Credit Screen
We screen options with no impact on personal FICO or practice commercial credit.
Healthcare-Specialty Lenders Compete
70+ lenders who fund dentists, primary care, vets, and specialty practices review your file in parallel.
One Specialist, Multiple Term Sheets
Your funding specialist walks through equipment finance, working capital, and SBA structures with full transparency.
Choose Your Offer, Sign, Get Funded
E-signature. Capital lands in time to install equipment, hire staff, or cover the insurance reimbursement gap.
Ophthalmology Capital Uses
What Ophthalmology Businesses Use Funding For
Practice Acquisition
Buy an existing practice. Dental, medical, vet, chiropractic. Term loans + equipment financing + working capital stacked. Revenue-based underwriting through 70+ specialty lenders.
Medical Equipment
Lasers, imaging machines, dental chairs, surgical tools. Equipment financing with the device as collateral.
Payroll & Staffing
Cover payroll during reimbursement delays. Hire hygienists, techs, front desk staff. Retain your best people.
Buildout & Renovation
New exam rooms, waiting room remodel, second location buildout. Create the space your patients deserve.
Technology & EHR
Electronic health records, practice management, telehealth platforms, patient portals.
Marketing & Growth
Google Ads, patient acquisition, website redesign, reputation management. Fill your schedule.
Full Transparency
What Kills Your Qualification (And What Doesn't)
Most lenders won't tell you this upfront. We will.
✅ These Won't Stop You
These Can Be Deal-Breakers
Need commercial insurance for your ophthalmology business?
Practice insurance — malpractice, general liability, property — is required before most equipment financing closes. InsuranceService365.com covers healthcare practices across 29 states.
Don't Wait Until You Need Funding to Get Funded
Insurance reimbursement runs 30-60 days behind the procedure. The practices that grow steadily are the ones that pre-qualified BEFORE they needed to bridge the gap. By the time payroll is tight or the imaging machine is past warranty, underwriting is harder. Pre-qualify when the schedule is full — that's when lenders are most generous.
Ready?
See What Your Ophthalmology Business Qualifies For
Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
Soft-pull pre-qual · No obligation · Estimate only
Other Healthcare Practices Specialties We Fund
Click any specialty for tailored financing options.
Recommended Products
Recommended Funding for Ophthalmology Businesses
Working Capital
Bridge insurance reimbursement delays. Funded in 24 hours.
Learn More →Equipment Financing
Finance imaging, chairs, and medical devices — asset-backed rates.
Learn More →SBA Loans
Practice acquisition, buildout, and expansion at government-backed rates.
Learn More →Business Line of Credit
Revolving access for supplies, staffing, and operational expenses.
Learn More →FAQs
Ophthalmology Business Loan FAQs
Ophthalmology Practice Loans & Eye Doctor Equipment Financing — $10K to $20M+
Ophthalmology has the most expensive equipment buy-in of any specialty. A femtosecond laser is $450K. An excimer is another $250K. OCT machines run $85K. And here's the kicker — banks don't like financing elective procedure equipment. They see LASIK as "optional surgery" and get nervous. Our lenders see a $450K machine that generates $80K a month in revenue. Big difference.
I had an ophthalmologist in Austin who wanted to add LASIK. Her bank wouldn't touch it. We financed the full system — $450K, device as collateral. She did $92K in LASIK revenue her first month. Payment was $7,500. But it's not just LASIK. OCT replacements, visual field analyzers, slit lamp upgrades — every piece of ophthalmic equipment is financeable through our network. 60-second app. No credit hit. Offers in hours.
Stop Watching Reimbursement Lag Drain Your Reserves. Get Your Ophthalmology Practice Funded Today.
60 seconds. Soft-pull pre-qual. No obligation.
See What You Qualify For →Soft-pull pre-qual · Free to check · Nationwide