Financing Options (or Lease-to-Own)
Discover Lasers LLC and Class4Lasers.com provides FINANCING with five well established financing institutions. Approval advantages include, tax benefits, up to 6 months deferred payments, and fast, professional funding, which ensures quick delivery of your new medical equipment. If you prefer, we can also work with any financial lender of your choice.
Financing Providers
Take advantage of Financing tax benefits, including Section 179 Deduction (up to 35%) and get a game changing tool for your practice. Financing allows you to establish a new cash based Income Stream that will add cash flow to your bottom line for years to come. Most customers experience a rapid ROI in 3-9 months with our lasers. Choose from our curated financing partners below.
GSG Summer Special FOR SIX MONTHS PAY ONLY $99 (offer could end at any time). |
| Easy Application |
NCMIC
Magda Lippold or Scott Fuller
Account Managers, NCMIC
Direct: 877-770-7244 Ext. 4775
Cell: 515-313-4775
Email: MLippold@ncmic.com
APPLY NOW – It’s Fast and Easy – Use the link below
GSG Capital- NO Payments 6mo
Todd M. Greenberg
Account Manager
Direct: 877-270-8306 Ext. 122
Cell: 678-910-5942
Email: TGreenberg@gsgcapitalllc.com
Stearns Bank
Michelle Fuchs
Account Manager, Business Development
Direct: 800-247-1922 Ext. 3166
Cell: 320-260-5731
Email: MichelleF@stearnsbank.com
Request a Proforma Invoice
Please Contact a Laser Specialist to Request a Proforma Invoice.
Financing Companies will need it to complete your equipment financing approval and payments amount. If you would like to expedite this process, you may use the Contact Form link below and provide the name of the product you are interested in, plus your billing and shipping names and address. We are also happy to help you by phone.
Financing Process
Class4Laser can work with your existing financing company or connect you with one of our trusted partners.
Here’s how the process works:
1
Choose a Product
Do you already have an ideal laser picked out? If not, let a laser specialist help you find the perfect device for your needs.
2
Review Financing Terms
Your lender provides options including interest rate and monthly payment. You can negotiate directly.
3
We Invoice the Lender
We send the selected laser and your contact details to the lender for processing.
4
Sign & Ship
You sign the financing agreement, and the lender notifies us. We ship your laser.
5
Final Confirmation
Once you confirm receipt, the lender releases payment to us. You’re ready to begin treatments.
6
Ongoing Support
We provide continued concierge service for questions, protocol guidance, and success strategy to ensure your investment delivers results.
Financing Benefits
Why Finance?
• Cover the cost of your new equipment with the revenue it generates • Safeguard against inflation • Monthly payments to fit your budget • Realize tax advantagesTax Benefits:
Take advantage of any tax deductions that apply when purchasing new or used equipment. We recommend you talk with your financial or tax advisor to make sure you’re maximizing those opportunities.
Section 179 of the Internal Revenue Code is meant to help you improve your practice by adding new or used equipment. The tax savings help you offset payments if you choose to finance.
Under Section 179, your practice could deduct up to $500,000 for any qualifying equipment purchases, even if it’s 100% financed.
How Section 179 Could Work for You
Let’s say you’re expanding your practice and negotiated great prices on a new Medical Laser. The total cost is $25,000. Under Section 179 rules, you may be able to deduct the full equipment cost in the year you put the equipment to use.
If you’re in the 35% tax bracket, your tax savings could be $8,750. The amount you save in taxes could exceed the number of loan payments made through the entire first year. Take a look:
Big Tax Savings:
Equipment Cost: $25,000
Section 179 Deduction: $25,000
Tax Savings (35% tax bracket): $8,7500
Actual tax outcomes may vary depending on individual circumstances, tax rates, and changes in tax laws. Always consult a tax professional for precise advice tailored to your situation.
Visit Section179.org for more information.
NCMIC
A Quick and Easy Equipment Loan means: No down payments, No upfront payments, No security deposit, No prepayment penalties or future interest charges, Simple half-page Express Application, 2-hour or less credit decision, Same day ACH funding of the loan, and you own the equipment from day one so there is no buy-out.
The Quick and Easy Equipment Loan does not: Show up on your credit report as an outstanding debt as long as payments are made as agreed (the original credit inquiry will be a soft pull and not show up on your credit report). It will not add insurance fees to your payment, have auto renewal clauses that make the monthly payment renew indefinitely, or require blanket liens like most bank financing does.
It is the best alternative to a lease and is faster and easier than typical bank financing.
NCMIC gives you immediate ownership, tax benefits and simple interest payoffs.
• 100% financing – Finance your entire purchase, including software, freight, taxes, and more. • Flexible Plans & Deferrals – Choose a repayment plan from 12 to 60 months. Defer your first payment for up to 90 days, so you can put your equipment to use without immediately impacting cash flow. • No Prepayment Penalties – You can pay off the remaining principal balance any time you like. You’ll only pay interest for the time you have the loan. The earlier you pay off, the more you save. • Fast Approvals and Funding – Credit decisions in as few as 2 hours. • Protect your lines of credit – NCMIC does not report business loans to personal or business credit bureaus. • Tax Deductions – NCMIC loans quality for the section 179 and section 44 tax deductions. • NO hard credit inquiry – soft credit check only. NOTE: A minimum purchase of $2500 is required for financing– Michael J. Tokash, Imaging Services President
“NCMIC and I have been working together for many years now. I cannot find a better partner who is always responsive to the needs of my customers. Also, the staff is outstanding. They understand the marketplace and are creative on helping finance customers, like a program of 90 days deferred payment, and early pay-off no penalty helps customers establish some income before a payment is due. Thank you, NCMIC.”
Magda Lippold
Account Manager, NCMIC
Direct: 877-770-7244 Ext. 4775
Cell: 515-313-4775
Email: MLippold@ncmic.com
ncmic.com
Stearns Bank
• Flexible terms up to 60 months
• Soft credit pull
• Customized payments to meet YOUR needs!
• Delayed Payments(up to 6months!) – Widen your repayment timeline to build your cash flow.
• Seasonal Payments – Align payments with the fluctuations of your industry.
• Step Payments – Reduce payments at the beginning or end of the term.
• Semi-Annual Payments – Make payments every four or six months to fit your cash flow.
100% financing (including tax).
• Loans qualify for Section 179 tax deductions.
• Fast approval and funding.
1. Up to a 6 mo deferral.
2. No prepayment penalty after 12 payments made on time.
3. Ability to reprice the transaction 1 time during the term after 12 payments made on time to take advantage of when rates come down.
4. We take startup companies with ownership having prior industry experience.
5. A live person answers the phone on the 1st ring (Try it! – Call 1-800-247-1922) – “We are readily available to support you.”
Michelle Fuchs
Account Manager,
Business Development
Direct: 800-247-1922 Ext. 3166
Cell: 320-260-5731
