Dermatology practices blend medical and cosmetic services — which means expensive lasers, high-margin aesthetics, and insurance reimbursements that never come fast enough. Between $150K laser systems and the marketing needed to fill a cosmetic schedule — derm practices need strategic funding.
This Is Why You're Here
You want to add a Halo laser for resurfacing — $120K. Each treatment generates $1,200-$2,500. Your bank doesn't know what a fractional laser is.
Your cosmetic side is growing 20% year-over-year but insurance reimbursements on the medical side are 60 days out. You need $50K to bridge the gap while both divisions scale.
A dermatologist in your building is retiring. Their patient panel of 3,000+ including 800 cosmetic patients is worth $1.5M. You need pre-approval fast.
Your Botox and filler supplier requires a $22K minimum order and payment upfront. You've got 30 injectable appointments booked this month but the cash from last month's treatments hasn't cleared insurance yet.
You need to build out a dedicated Mohs surgery suite — $85K for the room, cryo equipment, and pathology setup. You're currently referring Mohs cases out and losing $6K a week in surgical revenue.
Financed a $120K Halo laser through Basecamp in 6 days. It generates $14K a month in cosmetic revenue. Best investment I've made in the practice.
Dr. Lisa M., Dermatologist, Scottsdale, AZ
Dermatology Financing
Slide the calculator to see your estimated approval range. Then answer 3 quick questions to lock it in. No documents needed. No credit impact.
Built for Your Business
Halo, BBL, IPL, CO2, excimer — we've funded them all. Banks don't understand cosmetic devices. Our lenders know exactly what a fractional laser earns per month and underwrite accordingly.
Your practice has two revenue streams. Insurance pays for biopsies and Mohs. Cash patients pay for lasers and injectables. We count both. Banks often ignore the cosmetic side.
Botox and filler orders run $15K-$30K a month. That's cash out the door before patients walk in. A credit line covers inventory so you're never short on product.
Adding a dedicated aesthetics wing costs $75K-$150K. Build-out, equipment, marketing launch. We package it all into one funding solution instead of three separate applications.
What You're Up Against
| Challenge | What It Looks Like | Funding Solution | Amount | Speed |
|---|---|---|---|---|
| Mohs surgery setup | Adding Mohs micrographic surgery capability to practice | Equipment Financing | $80K–$200K | 5–10 days |
| Cosmetic laser system | IPL, fractional CO2, or erbium laser for aesthetic revenue | Equipment Financing | $60K–$150K | 3–7 days |
| Med spa expansion | Adding injectors, laser rooms, and aesthetician chairs | Working Capital | $30K–$100K | 1–5 days |
| Pathology lab equipment | In-house histology reduces turnaround and improves margins | Equipment Financing | $40K–$80K | 3–5 days |
| PA/NP provider addition | Adding mid-level provider to increase patient volume | Working Capital | $20K–$50K | 1–3 days |
Pricing Transparency
| Product | Amount | Term | Rate | Speed |
|---|---|---|---|---|
| Working Capital | $10K–$2M | 6mo-5yr | 8-18% APR | 1-3 days |
| Equipment Financing | $10K–$5M | 2-10yr | 5-14% APR | 3-7 days |
| Business LOC | $10K–$5M | Revolving | 8-22% APR | 1-5 days |
| SBA Loans | $50K–$5M | 10-25yr | 6-10% APR | 3-6 weeks |
| Term Loans | $50K–$5M | 1-5yr | 7-16% APR | 1-5 days |
Rates vary by credit, revenue, and time in business. These are typical ranges.
These are industry averages. Your actual rate depends on your revenue, credit profile, and time in business — it could be lower. Run your specific numbers in 30 seconds.
Calculate Your Real Cost →Tax Strategy
| Equipment | Cost | Tax Rate | Deduction | Tax Savings | Net Cost |
|---|---|---|---|---|---|
| Cosmetic laser system | $120,000 | 40% | $120,000 | $48,000 | $72,000 |
| Mohs cryostat | $65,000 | 40% | $65,000 | $26,000 | $39,000 |
| Dermoscopy system | $15,000 | 35% | $15,000 | $5,250 | $9,750 |
Finance the equipment. Keep your cash. Take the deduction. Your cosmetic laser system costs $72,000 after taxes and you never touched your reserves.
— Bobby Friel, Basecamp Funding - Founder
How It Works
No paperwork avalanche. No bank lobby. No guessing.
Answer a few quick questions about your business. No documents needed yet.
We check your options with zero impact on your FICO. Your score stays untouched.
Your profile is matched to 70+ lending partners. They compete - you never hear from them directly.
Your funding specialist presents your best options. No spam calls. No runaround.
Choose the rate and terms that fit. Sign digitally. Funds hit your account - same day available.
Dermatology Capital Uses
Buy an existing practice. Dental, medical, vet, chiropractic. SBA loans with 10% down available.
Lasers, imaging machines, dental chairs, surgical tools. Equipment financing with the device as collateral.
Cover payroll during reimbursement delays. Hire hygienists, techs, front desk staff. Retain your best people.
New exam rooms, waiting room remodel, second location buildout. Create the space your patients deserve.
Electronic health records, practice management, telehealth platforms, patient portals.
Google Ads, patient acquisition, website redesign, reputation management. Fill your schedule.
Full Transparency
Most lenders won't tell you this upfront. We will.
Need commercial insurance for your dermatology business?
Practice insurance — malpractice, general liability, property — is required before most equipment financing closes. InsuranceService365.com covers healthcare practices across 29 states.
68% of loan denials happen because of weak financials at time of application. The best time to apply is when your business is performing — not when you're scrambling.
Ready?
Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.
Click any specialty for tailored financing options.
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Bridge insurance reimbursement delays. Funded in 24 hours.
Learn More →Finance imaging, chairs, and medical devices — asset-backed rates.
Learn More →Practice acquisition, buildout, and expansion at government-backed rates.
Learn More →Revolving access for supplies, staffing, and operational expenses.
Learn More →FAQs
Derm is a weird business. Half your revenue comes from insurance — biopsies, Mohs, medical treatments. The other half is cash-pay cosmetics. Banks see that split and get confused. Our lenders see it for what it is: two revenue streams that make your practice more stable, not less.
And the lasers. A $120K Halo doing 10 treatments a month at $1,200 each — that's $12K a month on a $2,400 payment. The machine literally pays for itself five times over. But your bank wants 25% down and doesn't know what fractional resurfacing is. We finance every derm laser on the market. Device is the collateral. Zero down in most cases. Section 179 writes off the full cost year one. Fill out the app and we'll show you what you qualify for in hours.
60 seconds. No credit impact. No obligation.
See What You Qualify For →No hard credit pull · Free to check · Nationwide