You can lease a cryotherapy chamber, finance it with an equipment loan, or pay cash. The estimated lease payment on our walk-in Cryo X1 is about $1,450 a month over 60 months. We work with equipment finance partners and can send an application with your quote.
Leasing vs equipment loan vs cash
| Lease | Equipment loan | Cash | |
|---|---|---|---|
| Upfront cost | Low: often first payment plus a small deposit | Deposit, often 10–20% | Full price |
| Who owns it | Lessor during the term; buyout options at the end | You, from day one | You |
| Monthly payment | Fixed | Fixed | None |
| Balance sheet | Depends on lease type and your accounting | Asset and loan liability | Asset |
| Best for | Keeping cash for fit-out and marketing | Owning the asset at a lower total cost | Lowest total cost, if cash is not needed elsewhere |
Leasing keeps cash in the business. That matters when you are also paying for the room fit-out, staff and launch marketing. Ask about the end-of-term option: a fair market value buyout, a fixed buyout (such as $1) or a return.
An equipment loan makes you the owner from day one, with the chamber as security. Total interest is often lower than a lease.
Cash has no interest cost. It also ties up capital a new cryo service may need in its first months.
Estimated monthly payments
These are estimates only, based on a 60-month term, on approved credit (OAC). Your rate depends on your credit, time in business, deposit and the term you choose.
| Model | Price | Estimated lease / month (60 mo) | Electricity / month |
|---|---|---|---|
| Cryo X1 1-guest walk-in | $69,900 | ≈ $1,450 | $140–200 |
Look at the payment and the running cost together. A nitrogen cryosauna bought for about $25,000 has a much lower lease payment, but its $3,000–5,000 monthly nitrogen bill is larger than the X1’s lease and electricity combined. Our operating cost guide walks through it.
Section 179 (US businesses)
Section 179 of the US tax code can allow a qualifying business to deduct the full purchase price of qualifying equipment in the year it is placed in service, instead of depreciating it over several years. It can apply to financed equipment as well as equipment bought for cash. Some points to know:
- It is an election, not automatic. Your accountant makes it on your tax return.
- There are annual limits. The IRS sets a maximum deduction and a spending threshold each year, and these change. Check current figures on irs.gov.
- Business use matters. The equipment generally needs to be used more than 50% for business.
- Leases differ. Some leases qualify, some do not, depending on how the lease is structured.
- Bonus depreciation is a separate rule that may also apply.
We are not tax advisors, and nothing on this page is tax advice. Please consult your tax advisor about whether Section 179 applies to your purchase and what it is worth to you.
What you need to apply
For most applications:
- Business name, address, EIN and time in business
- Owner details for a credit check
- The quote for the chamber (we supply it)
For larger amounts or newer businesses, lenders may also ask for:
- Two to three months of business bank statements
- Recent financial statements or tax returns
- A personal guarantee or larger deposit
Decisions on smaller amounts are often quick. We give you the finance partner’s paperwork alongside your quote, and the chamber is ordered once funding is approved.
Financing used equipment
Certified pre-owned chambers can often be financed too, though terms may be shorter for older units. See used cryotherapy chambers.
Ready to see real numbers? Ask for a quote with finance options on the contact page. For the full purchase picture, read the cryotherapy chamber cost guide.
