Health-Tech Equipment: Lease or Loan?

techadmin

Jul 16, 2025 — 1 min read

Buying an MRI or digital X-ray machine ties up millions. Leasing can free cash, but loans may be cheaper long-term.

Factor	Lease	Loan
Up-front cash	Low	High
Tech refresh	Easy swap	Rigid
Accounting impact (IFRS 16)*	Off-balance (small deals)	On-balance

*Small operating leases can still stay off-balance sheet; check limits.

Quick Rule: If the tech will be obsolete in < 5 years, lease first; buy only gear with a long revenue life.

Keywords: medical equipment finance UAE, health-tech leasing, capex decision, IFRS16, hospital funding
Hashtags: #KlubAI #HealthTechFinance #EquipmentLeasing #MedicalCapex #UAEHealthcare

Consult your auditor on IFRS 16 treatment before signing.

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