installment

Investments in the development of a cosmetology clinic

How can a cosmetic surgery clinic obtain financing for the equipment it needs while minimizing start-up capital? The answer is installment payments. Installment payments are currently an effective way to introduce the latest technologies in the medical field.

How does this work?

You will need to pay a 50% down payment to Candela Laser HK before the equipment is delivered to you. We will ship the equipment to your clinic free of charge and provide installation and setup videos, as well as online clinical training videos. Starting from the second month after you receive the equipment, you will pay the remaining balance in 6-12 installments. Upon completion of all payments, you will become the true owner of the equipment.

Why is this beneficial?

1. Significantly Optimized Cash Flow (Leasing Instead of Buying, Paying While Earning) Benefits: You don’t need to put up 100% cash upfront; you only need to pay a 50% down payment. Logic: The equipment starts generating revenue in the second month. This means the remaining 50% is actually paid for using the equipment’s earnings. This is known as a “self-sufficient” investment, reducing the client’s financial burden.

2. Optimized Financial Statements (No Increased Debt Burden) Benefits: This model is typically considered an operating expense or lease agreement, rather than a traditional bank loan. Logic: Non-debt financing: On the balance sheet, this isn’t necessarily reflected as “loans/debt,” so it doesn’t affect the client’s credit line when applying for other loans from banks. Accounts Payable Optimization: As you mentioned, this doesn’t increase the company’s accounts payable pressure like a large loan, making the financial statements look healthier.

3. Significant Tax Benefits (Income Tax Deduction) Benefits: Lease/installment payments can usually be directly included in operating costs. Logic: Your monthly payments can be deducted from pre-tax income as “operating expenses,” thus reducing your company’s annual corporate tax. This is much faster than a one-time purchase with annual depreciation, allowing you to see the money sooner. 4. VAT Exemption (Direct Savings) Benefit: According to the 2017 tax law amendment you mentioned, leasing medical equipment is exempt from VAT. Logic: Medical equipment is typically expensive, and VAT (such as 20% in the UK) is a significant additional expense. By using this specific “installment/lease” structure, you can directly save on this tax, effectively discounting the equipment.

5. Reduced Initial Investment Risk and Costs Benefit: Free delivery, free installation guidance, and online clinical training eliminate all “hidden costs.” Logic: After paying the initial payment, you don’t need to pay extra for logistics, installation, or training. This provides a “turnkey” solution—pay, receive the goods, and start doing business immediately.

6. Guaranteed Ultimate Ownership Benefits: While initially similar to leasing, you ultimately gain ownership. Logic: Unlike pure leasing (where the equipment is never truly yours), this model allows you to become the true owner of the equipment after paying the remaining balance. This provides you with long-term asset security.

Basic Installment Terms

• Down payment – from 50%
• The installment agreement has a term of 6 to 12 months.
• The amount of funding is unlimited
• Contract currencies: $USD、€EUR、£GBP、A$AUD、HKD.
• Multiple installment payment options are available.
• No collateral requirements

How should the installment payment be arranged?

Contact our company manager for a full quote and to arrange installment payments for your Candela equipment.

Make the most of installment payment options for your company!