A $120,000 platform never gets sold as $120,000. It gets sold as "less than the cost of one treatment a day" — a monthly payment engineered to feel small enough that the total disappears from view. That framing isn't dishonest, exactly. It's just optimized for the rep's actual product, which is not a device but a payment small enough to close today. Your job is to look underneath the payment at the three things that actually determine the right financing structure, none of which fit on a brochure: your cash position, your tax situation, and the speed at which the technology will obsolete.
This is general business education, not tax advice. The depreciation and tax treatment below depend on your specific situation and current law — run the actual numbers with your accountant before you sign.