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<table border="0" cellpadding="3" cellspacing="1" width="100%" class="forumline"> <tr> <th class="thCornerL" width="22%" height="26">Author</th> <th class="thCornerR">Message</th> </tr> <tr> <td width="22%" align="left" valign="top" class="row1"><span class="name"><a name=""></a><b>ayhda88r</b></span></td> <td class="row1" height="28" valign="top"><table width="100%" border="0" cellspacing="0" cellpadding="0"> <tr> <td width="100%"><img src="http://picsrv.fora.pl/subSilver/images/icon_minipost.gif" width="12" height="9" alt="Post" title="Post" border="0" /><span class="postdetails">Posted: Tue 20:21, 03 Sep 2013<span class="gen"> </span> Post subject: barbour uk Making the Right Choices for Financing</span></td> </tr> <tr> <td colspan="2"><hr /></td> </tr> <tr> <td colspan="2"><span class="postbody">Healthcare decision makers face continual challenges when it comes to allocating scant recourses. Patients demand the best that medical equipment technology has to offer. 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These details are rarely in a standard lease, so you must ask the lessor for these items. <br />Since the payments are lower, providers are able to improve their cash flow and are more likely to match revenues with expenses. From a tax standpoint, leasing also offers the advantage <a href="http://www.rtnagel.com/airjordan.php" target="_blank" class="postlink">jordan pas cher</a> of writing off 100% of the lease payments. <br />Medical Equipment Loans: <br />When equipment obsolescence or cash flow isn't an issue (which is rare in the medical industry), an equipment loan might be a better alternative. At the end of the lease term, the provider has an asset that he can either continue using or dispose of it on the open market. Borrowers also receive tax benefits, such as the depreciation expense on the equipment and the interest expense incurred during the loan payout. <br />Using a multiple of EBITDA (earnings before interest, taxes, depreciation, and amortization) is <a href="http://www.achbanker.com/home.php" target="_blank" class="postlink">hollister</a> a common method of valuing healthcare practices and hospitals. If a healthcare group is considering going public or selling the business, financing equipment through a lender may be advantageous because it would result in a <a href="http://www.getconversational.com" target="_blank" class="postlink">hollister pas cher</a> higher valuation than if they had leased the equipment. Leasing would be an "above the line" expense. <br />Personal Guarantees: <br />With both medical equipment leases and loans, personal guarantees from the owners are usually required. This provides a comfort level for the lessor or lender. If there is a default, the lender/lessor can attach personal assets of the lessee for the balance of the loan or lease that isn't satisfied by the liquidation of equipment. Most providers do not want to sign a personal guarantee for obvious reasons. However, if the clinic or practice has a solid track record of profits for five <a href="http://www.mansmanifesto.com" target="_blank" class="postlink">www.mansmanifesto.com</a> years or more, the lender/lessor will oftentimes abandon the personal guarantee requirement. That is another point that must be negotiated at the inception of the lease. <br />Choosing a lender or lessee: <br />Competition is fierce in the equipment financing industry. Acquiring the services of an independent financing consultant is advisable. A properly trained medical equipment financing broker will analyze your particular needs and will know which lender or lessee will be a good fit for your organization. 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