Fund the equipment that pays you back.
Lasers, injectables, and body-contouring gear carry serious price tags, and you need capital that moves before the opportunity passes. For medical spas nationwide.
We know how medical spas really run.
Financing built around your industry's real cash-flow rhythm — not a one-size-fits-all bank box.
How each option works
The programs our lending partners actually offer businesses like yours. Not sure which one? Check your options and we'll match the structure to the deal.
Equipment Financing
Get the equipment. Keep your cash.
See terms & details →Working Capital Loan
Money for payroll, stock, and the slow months.
See terms & details →Business Line of Credit
Draw what you need, when you need it.
See terms & details →SBA 7(a) Loan
The most flexible SBA loan there is.
See terms & details →Want the full picture first? Get a free Capital Position Report — where your business stands and what it likely qualifies for.
The pressure points we solve
The cash-flow squeezes we hear about most — and the fair fix for each.
The squeezeLaser and aesthetic devices cost a fortune.
The fair fixFund high-ticket equipment fast and start earning on it within days.
The squeezeInjectable inventory ties up your cash.
The fair fixGet working capital to keep product on hand without straining accounts.
The squeezeA daily-debit advance drains your margins.
The fair fixMove to fixed, predictable payments so your cash flow stays yours.
What spa owners use it for
Put the capital where it moves the needle most.
Laser and IPL devices
Injectable and filler inventory
Body-contouring equipment
Treatment room buildout
Licensed provider hires
Marketing and patient booking systems
Related industries
Businesses with a similar cash-flow rhythm, and the financing we see them use.
Tools and guides for medical spas
Run the numbers
Compare side by side
Guides & related financing
From our insights
What it takes to qualify
Most deals here are secured by equipment, trucks, receivables, or property — but if you need cash-flow financing, that path qualifies differently.
Real Estate & Assets
- Credit generally 620+ (equipment) to 640+ (rental property)
- Equity or down payment — typically up to ~75% loan-to-value
- The property's income covers the payment (DSCR programs)
- No tax returns required on most DSCR programs
- Entity docs, insurance, and a purchase contract or payoff statement
Business Capital
- Operating at least a few months under current ownership
- Roughly $17,000+ per month in business revenue
- Personal credit around 575+ on most programs
- Not over-extended on existing cash advances
- Bank statements usually enough to start — no tax returns to check options
Guidelines are typical ranges across our lender network, not a commitment to lend — every deal is reviewed individually.
Ready to fund your medical spa?
Two minutes, no obligation, no credit impact. Or call (337) 270-2036.
