The Pinch Points
Why Ophthalmology Practices Come to Us for Capital
The surgical work is gated by equipment, and the carrier won’t pay for the cases it generates until two months after you’ve done them. A bank sees a laser it can’t value; our lenders read the surgical collections. Sound familiar?
The Surgery You Refer Out
Without the femtosecond laser, the premium cataract cases go to the surgery center across town — $1,500–$3,000 per eye, referred away. The laser is $400K–$500K, and every quarter without it is surgical volume you’re not capturing.
Carriers Pay Long After Surgery Day
You do the surgery, pay for the lens and the OR time, and wait 45–90 days for reimbursement — a busy surgical month can leave $80K–$150K sitting in unpaid claims.
The Diagnostic Stack
OCT, visual fields, topography — the diagnostics that drive the surgical pipeline are a $120K–$180K build, and they make you the practice that catches what the optometrist refers in.
Per-Click Laser Fees
Femtosecond platforms often carry a $300–$400 per-procedure fee on top of the capital cost — a real per-case float on a high-volume cataract month before the carrier pays.
The Premium-IOL Inventory
Premium lenses are stocked ahead and billed per case — $20K–$40K in inventory floating between the surgery and the reimbursement.
Acquiring the Optometry Feeder
Acquiring an optometry practice that feeds your surgical volume is a $500K–$2M move — the kind that won’t wait on a years-long approval queue.
What an operator said
“Premium-lens cases are our best margin, but we were fronting the lens inventory and waiting two months on the carrier. The working line carried both — we stopped turning the premium cases into a cash-flow problem.”
Dr. Okafor · ophthalmology practice · Dallas, TX
Start Here
See Your Range in 60 Seconds
No credit check, no documents to start, and an estimated funding range on the spot. No one contacts you until you’re ready to move forward.
What Happens When You Start
Estimate Your Capital Range
Slide to your annual gross revenue. We size capital off your top line — not your credit score.
Estimated Capital Range
A conservative range based on 10-15% of annual revenue — many businesses qualify for more with strong receivables or assets behind them. Lenders return real term sheets once they see your file.
60 seconds · No obligation · Estimate only
Built for the Trade
What We Fund for Ophthalmology Practices
Equipment Financing for the Surgical Suite
Equipment financing funds the femtosecond laser, phaco, and OCT with §179 write-off ahead of the down payment, on practice revenue.
A Line Against Surgical Receivables
A working line advances against aging claims, so a heavy surgical month isn’t capital trapped behind the reimbursement cycle.
Capital for Premium-IOL Inventory
Working capital floats the premium-lens stock so you never ration the high-margin cases.
Revenue-Based Acquisition Capital
Acquire the feeder optometry practice or buy into the group on revenue-based, capital-stacked financing — on cash flow, not an SBA queue.
Match Your Situation
The Funding Gaps We Close for Ophthalmology Practices
Match your situation to the structure. Every one of these funds on your surgical collections and cash flow, not a perfect credit file.
| What It Looks Like | Funding Solution | Amount | Speed | |
|---|---|---|---|---|
| Banks want collateral and audited books | Revenue and collections underwriting. | Equipment Financing | $75K–$5M+ | 3–7 days |
| Carriers reimburse 60–90 days after surgery | A line advances against the claims you’ve earned. | Business LOC | $75K–$5M+ | 1–5 days |
| Per-click and IOL costs float every case | Working capital carries the per-case spend. | Working Capital | $75K–$5M+ | 1–3 days |
The Products
How Ophthalmology Practice Financing Is Structured
Most ophthalmology files fund between $75K and $5M+, structured to the surgical suite, diagnostic stack, or receivable gap in front of you. Larger lines available when revenue, cash flow, and story qualify.
| Amount | Term | Best For | Funding Speed | Typical Structure | |
|---|---|---|---|---|---|
| Equipment Financing | $75K–$5M+ | 2yr–7yr | Femtosecond laser, phaco, OCT | 3–7 days | Device serves as collateral |
| Working Capital | $75K–$5M+ | 6mo–10yr | Per-click fees, premium-IOL float | 1–3 days | Often unsecured, daily/weekly ACH |
| Business LOC | $75K–$5M+ | Revolving | Surgical-receivable timing, per-case spend | 1–5 days | Unsecured line, no PG by default |
| Invoice Factoring | $75K–$5M+ | Per invoice | Aging carrier receivables | 1–2 days | Receivables secure the line |
Tax Strategy
Section 179 on the Ophthalmic Surgical Suite — Worked
If last year was strong and you’re about to write a check to the IRS — stop. Acquire qualifying equipment with as little as 10% down, finance the rest, and write off the full purchase price in year one. Section 179 covers it up to the annual cap; 100% bonus depreciation — made permanent in 2025, with no cap and no income limit — carries the rest.
At the top bracket, that first-year deduction can return meaningful tax savings — and for an established business with strong cash flow, it’s the difference between writing a check to the IRS and putting the same money into your own equipment. Your CPA models the exact numbers for your bracket and structure.
Worked scenario · top bracket · illustrative
You financed the machine and put down a fraction of its price — but you deduct the full price in year one. The write-off is bigger than your down payment, and the equipment keeps working the whole time.
Scales with your numbers
Illustrative only. Actual savings depend on your tax bracket, entity type, state conformity, and CPA guidance. Section 179 and bonus depreciation are elections your CPA makes for your situation; above the Section 179 cap, 100% bonus depreciation carries the balance.
Terms reflect credit, revenue, time in business, and each lender. Every file is unique — see what the desk structures for yours in the 60-second qualifier.
Bobby’s Take
“Ophthalmology is a surgical business gated by equipment — the femtosecond laser and the diagnostic stack are what let you keep the premium cataract work instead of referring it to the surgery center. The full suite runs about $540K, and the carrier won’t pay you for the cases it generates until two months after you’ve done them. A small down, the rest financed, and §179 deducts the full $540K the year it’s operating — more deduction than you put down, on equipment a surgical schedule repays fast. Keep the premium surgery in your own suite — a full surgical schedule retires the laser fast.”
Bobby Friel · Founder · 20+ years in banking and finance
How It Works
From Application to Funded
One application, 70+ lenders competing, a dedicated specialist, and most files funded in days.
60-second estimate
Enter your numbers — no credit check, no documents. You see an estimated funding range on the spot.
A specialist is assigned
A real funding specialist — not an algorithm — reviews your file, usually within 24 hours.
70+ lenders compete
Your application goes to the marketplace. Competing offers typically land 24–48 hours later.
You pick the offer
Compare structures and terms with your advisor. No obligation until you choose to sign.
Funded in days
From same-day working capital to a multi-piece stack, most files fund in days — not the bank’s 60–90.
Underwriting
What Underwriting Looks At
Funding here leads with what your business actually does — your revenue and cash flow. The specialist desk reads the real picture from your statements, then matches it to the lenders most likely to fund it.
How you’re evaluated
Revenue-first
sized off your top line, not just your balance sheet.
Cash-flow driven
your bank statements show how the business really runs.
Bank-statement underwriting
even a down year is read off 4 months of statements.
Story-driven
a big new contract, a seasonal swing, a turnaround in progress: context the raw numbers miss counts too.
What to have ready
↳Had a loss year? It’s read off the bank statements — 4 months, not 6.
Start fast, finish complete
The operators who fund quickest come to the specialist review with these ready — but you don’t need all of it to start. Your signed application and bank statements are what unblock the review; the rest can follow as trailing docs. Real term sheets come once the lenders can see a true business overview, so the move is simple: get the application and statements in right away, and don’t let a missing tax return hold up your term sheets.
Credit, straight
Qualification
Who Gets Funded — and Who’s Not Ready Yet
A straight read saves everyone time — here’s the line between an ophthalmology file that funds and one that isn’t ready yet.
↳Time in business is a factor, not a gate — newer crews with strong revenue still qualify.
Not ready yet isn’t a no — it’s a checklist. Most of it is fixable in a quarter or two, and your advisor will tell you straight which gaps to fix before a file goes in.
The Operator's Guide
Ophthalmology & Eye Surgery Practice Financing
A Surgical Business Gated by Equipment
Ophthalmology keeps the high-margin surgical work in-house only when the equipment is there — the femtosecond cataract laser, the phaco system, the OCT that drives the pipeline. Without the platform, the premium cases go to the surgery center across town. We fund the suite on the practice’s surgical collections, and a working line advances against aging carrier claims so a heavy surgical month isn’t capital trapped behind a 60-day reimbursement cycle.
One Application, 70+ Lenders
Whether it’s equipment financing for the laser and OCT, working capital to float per-click fees and premium-IOL inventory, or revenue-based capital to acquire the feeder optometry practice, we connect you with 70+ lenders who fund eye-surgery practices every week. Working capital, lines of credit, equipment financing, and receivables advances — $75K to $5M+, on your revenue, with §179 writing off qualifying equipment the year it’s placed in service. One application, soft-pull review to start.
Common Questions
Ophthalmology Financing — Questions, Answered
Yes — approval is based on surgical collections and cash flow, not the laser’s resale value.
Yes — a working line advances against aging carrier receivables.
A qualifying suite placed in service can generally be written off the year it’s operating; your CPA models the bracket.
A signed application plus four months of bank statements, a P&L, a balance sheet, and two years of returns. If recent years show losses, the specialist desk can underwrite on four months of bank statements.
Yes — it’s structured revenue-based and capital-stacked on the combined cash flow, not as an SBA 7(a) acquisition loan.
Recommended Funding
The Products That Fit Ophthalmology Work
Equipment Financing →
Finance the femtosecond laser, phaco, and OCT — §179 write-off included.
Working Capital Loans →
Float per-click fees and premium-IOL inventory across the reimbursement gap.
Business Line of Credit →
Draw against surgical-receivable timing, repay as carriers reimburse.
Invoice Factoring →
Advance against aging carrier receivables instead of waiting 60–90 days.
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