The senior managers of LFC Capital have provided equipment financing to over 1,000 healthcare providers, specializing in serving hospitals and clinics. Our focus on the healthcare industry enables us to understand our clients’ requirements and recommend the financing solution that fits best.

We offer a consultative approach backed by exceptional service. We listen to our clients’ needs and respond quickly to specific requests. We will also suggest other options if we feel they can deliver greater benefits at lower cost.

LFC Capital offers a full range of leasing and financing services:

Finance leases

A finance lease, also known as a capital lease or lease-purchase agreement, usually offers a nominal purchase option at the end of the lease term. This form of financing is accounted for as debt and does not qualify for off-balance sheet treatment. Finance leases are most economical when you wish to retain the equipment beyond its normal technological life.

Operating leases

Operating leases offer the lowest cost of use during the equipment lease term and also feature off-balance sheet accounting treatment. An added benefit in many cases is that the entire lease payment is treated as an operating expense. Payments for operating leases typically result in savings of 10% or more as compared to debt financing over the same term. Operating leases can be written for many types of medical equipment for terms of five years or more, extending savings through the full technological life of the asset for most applications.

Bundled leases

LFC offers a cost-saving bundled lease that incorporates both equipment and related expenses (including software and maintenance) into one monthly payment. A bundled lease offers users the ability to generate substantial savings by negotiating a manufacturer’s maintenance contract for the entire lease term at the time of acquiring the equipment.

Lease lines of credit

A lease line of credit allows you to arrange an equipment financing facility at the time of your choosing, often at significant savings of management time and money. It assures access to financing at a known rate – fixed or floating – when you need it, even for smaller equipment acquisitions.

Pay-per-use rental programs

A wide range of medical equipment can be financed with rental programs that tie equipment-related costs to equipment use. By better matching equipment expenses with revenues, you can achieve profits sooner – enabling you to enhance your return on investment.