A new scanner or laboratory system can expand clinical capability, but the financing case depends on how often it will be used and paid for. Rajeev Khandelwal’s documented healthcare infrastructure background provides context for this distinction. Equipment cost is visible at purchase. The economics emerge from referral demand, staffing, consumables, maintenance and the revenue collected from completed diagnostic services over time.
Calculate the usable schedule
Theoretical capacity assumes the machine is available and appointments fill every slot. Actual utilisation depends on operator availability, preparation time, patient scheduling and downtime. Management should build the forecast from a workable clinical timetable. This gives lenders a clearer view of service capacity than manufacturer throughput figures, especially where specialised staff are scarce or the facility must coordinate equipment use with other clinical departments.
Include recurring technical costs
Service contracts, calibration, consumables and software support can materially affect margins. Some costs rise with tests performed; others remain fixed. The financing model should distinguish them and include replacement needs over the equipment’s useful commercial life. A low acquisition price can be less attractive if operating supplies are expensive or support is available only through a single provider with limited local technical presence.
Understand referral concentration
A facility may depend on a few doctors, hospitals or institutional buyers for diagnostic demand. Those relationships should be assessed alongside pricing and payment terms. The business needs to know how portable the demand is if a referrer changes its own arrangements. A financing structure based on rapid utilisation growth should identify which demand is already established and which still depends on commercial development after installation.
The asset must earn its place
Credit Connect’s published sector credentials include diagnostic facilities, while Rajeev’s profile establishes the wider healthcare-finance connection. That context supports a disciplined investment conversation without implying a specific personal transaction. The central issue is the equipment’s role in a functioning service. A credible utilisation case explains the patients, clinicians, support resources and cash collections that will sustain the financing after the installation team has left.
