Financing does not replace the use case
Financing biomedical equipment can speed commissioning, but it does not turn a weak specification into a good project. Before signing, align clinical-operational need, commercial scope and financial terms.
This note complements the [financing simulator](/en/financing/) and the [resources hub](/en/resources/).
1. Questions the institution must answer
- Which operational or service problem does the device solve in 90 days?
- What is the total cost (device + install + training + consumables)?
- Who approves CapEx / OpEx and with which documents?
- Can cash flow support the installment without risking critical supplies?
- Is there a plan B if import, install or training slips?
2. What to clarify in the financial proposal
| Point | Detail to request | | --- | --- | | Financed amount | What is included and what is out of scope | | Term and installment | Scenarios, not a single number | | Rate / costs | Indicative vs binding conditions | | Guarantees | Institutional documentary requirements | | Timeline | Purchase → delivery → install → payment | | Exits | What happens on default or scope change |
The public simulator is indicative. Final terms are confirmed in a formal quote.
3. Common mistakes
- Financing the brochure, not the project.
- Forgetting consumables and maintenance in cash flow.
- Signing without install and training scope.
- Mixing clinical urgency with commercial pressure without a checklist.
4. Recommended path with I-ME
- Define the device / family in the catalog or [resources](/en/resources/).
- Use the [simulator](/en/financing/) only as order of magnitude.
- Request a quote with technical scope + payment options via [contact](/en/contact/).
FAQ
Is the simulator installment a binding offer?
No. It is an orientation tool. Formal offers are issued in writing.
Can install and training be financed?
It depends on the agreed scheme. Ask for it explicitly in the quote.