Financing

Affordable financing for medical-grade light therapy.

Multiple lenders. Consumer and business options. Little or no money down on most programs — so you can put Luxlight to work without tying up your capital.

Cash-flow your purchase the smart way.

01

100% Financing

Finance the full cost of your equipment — including shipping and installation — with little or no money out of pocket.

02

Retain Liquidity & Save on Taxes

Keep cash on hand for operations and inventory. Most equipment financing qualifies for IRS Section 179 deductions.

03

Build Business Credit

Structured equipment loans help establish and strengthen your business credit profile over time.

Lending Partners

Choose the program that fits your business.

Luxlight works with a network of independent lenders covering consumer purchases and commercial equipment financing.

Brickhouse Capital

Business Equipment Financing

Featured
  • Up to $350,000 in financing — decisions in hours
  • Little or no money down; financing covers shipping & installation
  • Terms of 24, 36, 48, or 60 months
  • Serves new & existing businesses, challenged or excellent credit
  • 3-minute application — soft pull, does not impact your credit to apply

Affirm

Consumer Financing

  • For purchases up to $30,000 — finance up to $20,000 with a down payment for the remaining balance
  • Instant loan decision at checkout
  • 0–36% APR based on credit and Affirm's evaluation

Reliant Capital

New & Established Businesses

  • Rates from 5.9%
  • No money down and no base payments for 12 months
  • Terms up to 72 months with early payoff options
  • 2–4 hour credit decisions

Qualifications

  • 650+ credit score
  • Licensed or non-licensed
  • Registered commercial entity in good standing

Stearns Bank

Licensed Practitioners

  • Rates from 6.99% — flexible terms up to 60 months
  • No money down and deferred payments on approved credit
  • No early-payoff penalty after 12 months
  • 3–6 months no payments for qualified practitioners

Qualifications

  • 675+ credit score
  • Licensed health care practitioner (MD, DO, ND, DC, PT, etc.)

NCMIC

New & Established Businesses

  • For licensed and non-licensed practitioners
  • Rates from 6.99% — flexible terms up to 60 months
  • 3 months no payments
  • No early-payoff penalty after 12 months

Qualifications

  • 700+ credit score

LeaseLink

Flexible Business Financing

  • For licensed and non-licensed practitioners
  • 3 months no payments on approved credit
  • Flexible terms up to 60 months
Tax Advantage

Save with IRS Section 179.

IRS Section 179 allows the immediate depreciation of qualifying business equipment — meaning you can write off the entire purchase in the year you buy it, rather than depreciating it over five years under the traditional MACRS schedule.

The Section 179 deduction limit is up to $500,000, which can translate into tens of thousands of dollars in tax savings on a commercial Luxlight installation.

Consult your tax professional for guidance specific to your business. Luxlight Therapy does not provide tax advice.

Financing is provided by independent third-party lenders. Approval, rates, and terms are determined by each lender and depend on credit and business qualifications. Luxlight Therapy is not a lender and does not guarantee approval.