Healthcare financing

The solutions you need. With the financing that’s right for you.

You want access to best-in-class healthcare equipment and devices. At the same time, you need to know if your investments are sustainable over time. Philips is a leader in healthcare technology and personal health products. Philips Capital offers tailored financing services for both, helping you manage and predict costs – while staying up to date with the latest technology.

Why financing?

Philips Capital draws on 127 years of Philips expertise, sharing a common goal to deliver innovation and support a no-bounds approach to healthcare. In line with these objectives, we provide and facilitate flexible financing solutions, designed to help bridge the gap between your healthcare vision and your day-to-day financial reality.

Our philosophy is based around true partnership – both in terms of the way we work with you and our chosen financial institutions. We support you to access the latest technology, while maintaining visibility into cost. This makes for easier budgeting, improved liquidity and greater peace of mind by allowing you to use your existing bank lines for other business. Moreover, ultimately it helps you on your journey towards achieving the all-important quadruple aim; enhanced patient experience, clinician experience, and outcomes, with lower cost of care.

A trusted name in healthcare financial services

A trusted partner – solutions delivered by our experts to yours

A variety of programs – tailored financing services in line with your cash flow needs, budgets and business strategy

Global coverage and competitive offerings – an international presence with strong capabilities in the worlds of both healthcare and financing

Up-to-date equipment fleet – the flexibility to integrate devices, services, upgrades and add-ons over time

The world is changing…

Philips Capital is ready to support you all the way – with a broad offering of financial services designed to help you bring your care vision to life. Explore our offerings today.

Choose the financing solution that is right for you

Philips Healthcare Financing Solutions

Philips Personal Health Financing Solutions

Philips Healthcare Financing Solutions

Bringing you closer to your healthcare vision

Balancing your hospital’s technology requirements with the need to manage cost is no easy task. An investment in new healthcare solutions is an investment in the future – and securing preferred and timely financing is key. Today more than ever, ensuring the profitable growth of an organization over time and gaining insights into costs for better management are key concerns for decision-makers.

Philips Capital is your one-stop-shop for financing solutions, helping you bring your care vision to life today without compromising on visibility tomorrow. Our offerings provide financing support while delivering the cost predictability, repayment flexibility and certainty you need to plan ahead.

What’s more, as experts in both healthcare technology and financing, we help you make investment decisions in line with your vision. We believe in partnerships and remain flexible to evolve with your best-in-class healthcare infrastructure over time. Our integrated approach, supporting lower total cost of ownership and predictable payment structures, helps you make a difference to the future of healthcare by improving patient experiences and lowering the cost of care.

More information

To learn how Philips Capital can help you put your healthcare technology vision into practice – and reap value over time, talk to us today.

Financing products
Financing products
Financing products

Philips Capital offers a wide range of financing solutions for Philips Healthcare and Philips Personal Health. Our financial experts work closely with selected external financial providers around the globe to deliver the financing and strategic support you need. Our competitive, customized offerings, including leasing and fixed- and flexible-term loans, help you keep your healthcare technology landscape up to date while maximizing your cash flow.

This content is for general information purposes only and subject to customization, contract and financier approval. To learn more or specific requests, please contact your local Philips relationship manager.

Installment payment

If you are looking to purchase (right to own) rather than lease an asset, we can structure a financing solution with long-term deferred repayment plan to meet your needs. You retain legal ownership of the equipment or device, which is transferred to you on acceptance. Repayments can be structured on a linear, annuity or customized schedule depending on your specific requirements.

Leases

A Philips Capital leasing agreement is an ideal solution for customers who favor a right to use model (as opposed to ownership) for equipment assets for the duration of their economic life. At the end of or during this period, potential purchase options may be discussed. Long-term payment plans and customized solutions mean we can deliver an agreement in line with your specific requirements, and the assets is yours to use for the duration of the contract.

* Depending on the accounting standards you follow, both Finance & Operating Lease* may be structured. If you follow International Financial Reporting Standards (IFRS), please note that from 2019, IFRS 16 does not differentiate between Finance or Operating Leases from the point of view of a lessee. Please contact our team of financing experts for further information.

Debt financing

In addition to helping you finance your Philips acquisitions, Philips Capital can also support you in arranging longer-term or short-term debt facilities to support your business. Moreover, we can facilitate secure turnkey financing and project-based financing for larger projects.

Export-credit-agency-backed financing (ECA)

Export credit allows cross-border customers to gain access to hard currency financing for purchasing Philips equipment. We work through a network of ECAs around the world and can arrange either a supplier or a buyer credit facility. For exports from the Netherlands we work with Atradius Dutch State Business.

Subscription model

For some products, especially software, accessing via subscription rather than allocating budget to acquire it is an interesting option. This approach helps mitigate risk in terms of technology obsolesce and allows payment structures based on actual usage of the system or software.

Distributor financing

For Philips distributors that either require higher working capital or longer payment terms, Philips Capital can arrange financing facilities with our external financing partners. You may use these working capital facilities to either bridge the liquidity gap between your collection and payment to Philips or to extend payment terms.
Performance-based solutions
Performance-based solutions
Performance-based solutions

As experts in global healthcare business as well as financing, we understand that income from reimbursements can fluctuate from month to month. Our flexible performance-based plans allow you to maximize cash flow and remain agile, by defining payments based on actual usage or outcomes.

Usage-based

To remain agile and avoid cash flow shortfalls, some healthcare decision-makers choose financing solutions with a degree of flexibility in their repayment structures. This helps mitigate risk and allow for cyclicity in income. Philips Capital offers a solution where a defined portion of lease repayments is flexible, based on actual equipment usage (e.g. number of scans/cases). The model uses a payment structure that allows you to match the variable reimbursement income from your clinical operations with repayments.

Outcome-based

This solution offers the flexibility of re-payments based on predefined result indicators. This variable payment structure allows alignment of the performance of Philips with your business or clinical goals. It allows you to pay based on the achievement of certain pre-defined performance indicators.
Configured solutions
Configured solutions
Configured solutions

Working closely with clinicians, we help enhance and innovate medical procedures through a unique portfolio of integrated imaging systems, monitoring and therapeutic devices, smart devices, disease-specific software and services and consulting. And we develop configured solutions from these innovative products and services.

Building on our existing strengths, we combine software, services and financing to create smart solutions designed to deliver on the quadruple aim of value-based healthcare – to enhance health outcomes, patient and staff experience, and lower the cost of care.

Integrated CardioVascular Solutions (ICVS)

Maintaining clinical excellence while improving patient and staff experience and lowering cost is a challenge. As healthcare and patient needs evolve, high-quality, cost-effective cardiac care is becoming a key priority. Philips Integrated CardioVascular Solutions (ICVS) help you achieve these aims, by focusing on the clinical, operational and financial performance of your cardiology department. We help you secure a predictable financial base to support sustainable planning and flexible technology investments, optimize cash flow, minimize obsolescence and turn capex to opex.

Managed Technology Services

Philips is your strategic partner for managed technology solutions, helping you optimize and evolve your equipment landscape as your needs change. Philips Capital can help secure a financing structure in step with these requirements, offering you a single point of contact, predictable cash flows, and optimized investment and replacement cycles.
Tailored solutions
Tailored solutions
Tailored solutions

Exceptional projects require exceptional financing solutions that are carefully designed to meet a specific set of criteria. That is why we offer tailored solutions that support individual healthcare initiatives and facilitate fruitful partnerships with external investors. This approach is designed to support successful projects, pave the way for profitability and embrace innovative healthcare now and in the future.

Public-private partnership (PPP)

Philips has extensive experience in playing a technology partner role in healthcare PPPs designed to enhance clinical outcomes, patient and clinician experience while, at the same time, lowering the cost of care. Philips Capital can support PPPs with customized financing.

Typically in a PPP, a government enters a long-term offtake agreement with a special purpose vehicle (SPV) formed by a consortium of private players to deliver services to the public in return for a committed or minimum revenue stream. Based on our experience across multiple projects, Philips Capital can support in raising both debt and equity at SPV level for such structures.

Customer partnership funding

Together, Philips and Philips Capital boast a rare blend of technical healthcare knowledge and financing expertise, combining a unique innovative spirit with decades of hands-on experience. As a result, you receive an exceptional level of service and consultancy for both your healthcare needs and the financing requirements that go along with them. Philips can facilitate customized financing for you beyond plain vanilla financing offerings to more advanced alternatives such as equity participation.

Philips Personal Health Financing Solutions

Laying the foundations for a healthier tomorrow

All around the world, people are looking for new ways to take greater control of their personal health and well-being. Ways to cook healthy, breathe clean air, ensure good oral health. Ways to care for themselves and their families at home.

The comprehensive range of personal health products from Philips supports individuals across the entire care continuum. To help you access these solutions, Philips Capital provides financing solutions in line with your specific requirements.

We are your one-stop-shop for financial services whether you are purchasing for wholesale, retail or for personal use. We work hand in hand with you and our trusted external partners to develop a concept and payment structure that flexibly meets your expectations. Our holistic approach to financing opens up a world of possibilities, empowering you to make a difference – whether it’s for your customers or to your own health and well-being.

More information

To learn how Philips Capital can help you put your healthcare technology vision into practice – and reap value over time, talk to us today.

Personal Health financing products

Philips Capital offers a wide range of financing solutions for consumers and channel partners across our portfolio of Personal Health products and services with local representations in each of our markets. We work closely with a number of financial institutions across the globe to find the most attractive solution for your needs.

This content is for general information purposes only and subject to customization, contract and financier approval. To learn more or specific requests, please contact your local Philips relationship manager.

Supply chain programs

Through collaborations with our local financial partners, Philips Capital has established financing platforms in several territories to assist with the working capital needs of our corporate clients. Clients who are eligible to join these platforms benefit from preferential interest rates and terms.
Credit facilities

Where a financing platform is either unavailable or an alternative is necessary, Philips Capital can help our corporate clients by arranging short-term credit facilities through structures backed by credit insurance or financial instruments. These include letters of credit and bank guarantees.
Credit card partnerships

Personal Health products are often purchased using a credit card by the end consumer. Philips Capital has developed credit card partnerships in certain countries by developing a credit card financing platform that integrates selected credit card issuers in that geography. The platform enables the card issuers to offer installment payment plans to the end consumers helping them spread their payments over a longer period.

Contact us

To learn how Philips Capital can help you put your healthcare technology vision into practice-and reap value over time, talk to us today. capital@philips.com

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Healthcare financing

The solutions you need. With the financing that’s right for you.

Why financing?

A trusted name in healthcare financial services

The world is changing…

Choose the financing solution that is right for you

Philips Healthcare Financing Solutions

Philips Personal Health Financing Solutions

Philips Healthcare Financing Solutions

Bringing you closer to your healthcare vision

More information

Financing products

Installment payment

Leases

Debt financing

Export-credit-agency-backed financing (ECA)

Subscription model

Distributor financing

Performance-based solutions

Usage-based

Outcome-based

Configured solutions

Integrated CardioVascular Solutions (ICVS)

Managed Technology Services

Tailored solutions

Public-private partnership (PPP)

Customer partnership funding

Philips Personal Health Financing Solutions

Laying the foundations for a healthier tomorrow

More information

Personal Health financing products

Supply chain programs

Credit facilities

Credit card partnerships

Contact us

Kontaktinformācija