The Pinch Points
Why Dermatology Practices Come to Us for Capital
Two engines, one suite — cosmetic that pays same-week and medical that waits 45–60 days on insurance — and both run on equipment a bank wants collateral and audited books to fund. Our lenders read the revenue across both books. Sound familiar?
The Cosmetic Cases You Can’t Keep
Patients ask for laser resurfacing, IPL, and tightening, and without the platforms you refer the cash-pay work out — $120K+ per laser, but it’s the highest-margin, fastest-paying revenue in the practice.
Mohs Stays In-House or Walks Out
Mohs surgery is the high-value medical work, but the lab — cryostat, processing, the trained tech — is a $65K–$120K build, and without it the cases go to the group that has it.
Insurance Pays Slow on the Medical Side
The medical-derm half bills insurance and waits 45–60 days — so a busy month leaves $40K–$70K in claims outstanding while the cosmetic side’s consumables and payroll are due now.
The Multi-Laser Reality
One laser doesn’t cover it — resurfacing, pigment, vascular, and hair each want a different platform, a $300K+ build to serve the full cosmetic menu.
Cosmetic Consumables and Injectable Inventory
The cosmetic side runs on consumables and injectable stock bought ahead — $15K–$30K floating between the treatment and the pay cycle.
Buying In or Adding a Location
A partner buy-in or a second derm location is a $300K–$1M move — capital banks bury in paperwork while the opportunity is live.
What an operator said
“Our medical side was billing strong but the insurance lag had us floating payroll off the cosmetic cash. The line against receivables fixed the timing — both sides finally funded themselves.”
Dr. Hahn · dermatology group · Austin, TX
Start Here
See Your Range in 60 Seconds
No credit check, no documents to start, and an estimated funding range on the spot. No one contacts you until you’re ready to move forward.
What Happens When You Start
Estimate Your Capital Range
Slide to your annual gross revenue. We size capital off your top line — not your credit score.
Estimated Capital Range
A conservative range based on 10-15% of annual revenue — many businesses qualify for more with strong receivables or assets behind them. Lenders return real term sheets once they see your file.
60 seconds · No obligation · Estimate only
Built for the Trade
What We Fund for Dermatology Practices
Equipment Financing for Lasers & Mohs
Equipment financing funds the cosmetic laser platforms and Mohs lab with §179 write-off ahead of the down payment.
A Line Against Medical-Derm Receivables
A working line advances against insurance claims so the medical side’s slow pay doesn’t choke the practice.
Capital for the Cosmetic Float
Working capital covers consumables and injectable inventory so the cash-pay side never runs short.
Revenue-Based Acquisition Capital
Buy in, add a location, or acquire a practice on revenue-based, capital-stacked financing — on cash flow, not an SBA queue.
Match Your Situation
The Funding Gaps We Close for Dermatology Practices
Match your situation to the structure. Every one of these funds on your practice’s revenue across both books, not a perfect credit file.
| What It Looks Like | Funding Solution | Amount | Speed | |
|---|---|---|---|---|
| Banks want collateral and audited books | Revenue underwriting across both books. | Equipment Financing | $75K–$5M+ | 3–7 days |
| Medical-derm insurance pays 45–60 days out | A line advances against the receivables. | Business LOC | $75K–$5M+ | 1–5 days |
| Multiple laser platforms are a big up-front build | Equipment financing funds the full menu, §179 to you. | Equipment Financing | $75K–$5M+ | 3–7 days |
The Products
How Dermatology Practice Financing Is Structured
Most dermatology files fund between $75K and $5M+, structured to the cosmetic laser menu, Mohs lab, or medical-derm receivable gap in front of you. Larger lines available when revenue, cash flow, and story qualify.
| Amount | Term | Best For | Funding Speed | Typical Structure | |
|---|---|---|---|---|---|
| Equipment Financing | $75K–$5M+ | 2yr–7yr | Laser platforms, Mohs lab, diagnostics | 3–7 days | Device serves as collateral |
| Working Capital | $75K–$5M+ | 6mo–10yr | Cosmetic consumables, injectable float | 1–3 days | Often unsecured, daily/weekly ACH |
| Business LOC | $75K–$5M+ | Revolving | Medical-derm receivable timing | 1–5 days | Unsecured line, no PG by default |
| Invoice Factoring | $75K–$5M+ | Per invoice | Aging medical-side insurer receivables | 1–2 days | Receivables secure the line |
Tax Strategy
Section 179 on Dermatology Lasers & Mohs — Worked
If last year was strong and you’re about to write a check to the IRS — stop. Acquire qualifying equipment with as little as 10% down, finance the rest, and write off the full purchase price in year one. Section 179 covers it up to the annual cap; 100% bonus depreciation — made permanent in 2025, with no cap and no income limit — carries the rest.
At the top bracket, that first-year deduction can return meaningful tax savings — and for an established business with strong cash flow, it’s the difference between writing a check to the IRS and putting the same money into your own equipment. Your CPA models the exact numbers for your bracket and structure.
Worked scenario · top bracket · illustrative
You financed the machine and put down a fraction of its price — but you deduct the full price in year one. The write-off is bigger than your down payment, and the equipment keeps working the whole time.
Scales with your numbers
Illustrative only. Actual savings depend on your tax bracket, entity type, state conformity, and CPA guidance. Section 179 and bonus depreciation are elections your CPA makes for your situation; above the Section 179 cap, 100% bonus depreciation carries the balance.
Terms reflect credit, revenue, time in business, and each lender. Every file is unique — see what the desk structures for yours in the 60-second qualifier.
Bobby’s Take
“Dermatology is two businesses in one suite — insurance-billed medical derm and cash-pay cosmetic — and both run on equipment. Build the full cosmetic laser menu plus a Mohs lab and you’re near $465K, split across work that pays in 60 days and work that pays same-week. Put 10% down, carry the rest, and the full $465K is a first-year write-off — more deduction than you put down, on platforms the cosmetic side repays fast. One move funds both engines — and the cash-pay side repays the platforms fastest.”
Bobby Friel · Founder · 20+ years in banking and finance
How It Works
From Application to Funded
One application, 70+ lenders competing, a dedicated specialist, and most files funded in days.
60-second estimate
Enter your numbers — no credit check, no documents. You see an estimated funding range on the spot.
A specialist is assigned
A real funding specialist — not an algorithm — reviews your file, usually within 24 hours.
70+ lenders compete
Your application goes to the marketplace. Competing offers typically land 24–48 hours later.
You pick the offer
Compare structures and terms with your advisor. No obligation until you choose to sign.
Funded in days
From same-day working capital to a multi-piece stack, most files fund in days — not the bank’s 60–90.
Underwriting
What Underwriting Looks At
Funding here leads with what your business actually does — your revenue and cash flow. The specialist desk reads the real picture from your statements, then matches it to the lenders most likely to fund it.
How you’re evaluated
Revenue-first
sized off your top line, not just your balance sheet.
Cash-flow driven
your bank statements show how the business really runs.
Bank-statement underwriting
even a down year is read off 4 months of statements.
Story-driven
a big new contract, a seasonal swing, a turnaround in progress: context the raw numbers miss counts too.
What to have ready
↳Had a loss year? It’s read off the bank statements — 4 months, not 6.
Start fast, finish complete
The operators who fund quickest come to the specialist review with these ready — but you don’t need all of it to start. Your signed application and bank statements are what unblock the review; the rest can follow as trailing docs. Real term sheets come once the lenders can see a true business overview, so the move is simple: get the application and statements in right away, and don’t let a missing tax return hold up your term sheets.
Credit, straight
Qualification
Who Gets Funded — and Who’s Not Ready Yet
A straight read saves everyone time — here’s the line between a dermatology file that funds and one that isn’t ready yet.
↳Time in business is a factor, not a gate — newer crews with strong revenue still qualify.
Not ready yet isn’t a no — it’s a checklist. Most of it is fixable in a quarter or two, and your advisor will tell you straight which gaps to fix before a file goes in.
The Operator's Guide
Dermatology Practice & Equipment Financing
Two Engines, One Suite
Dermatology runs an insurance-billed medical side and a cash-pay cosmetic side, and both keep their revenue only when the equipment is there — the cosmetic laser menu, the Mohs lab, the diagnostics. We fund the build on the practice’s revenue across both books, and a working line advances against the medical side’s insurance claims so the 45–60 day slow pay never has you floating payroll off the cosmetic cash.
One Application, 70+ Lenders
Whether it’s equipment financing for the laser platforms and Mohs lab, working capital for cosmetic consumables and injectable inventory, or revenue-based capital to open a second location, we connect you with 70+ lenders who fund dermatology practices every week. Working capital, lines of credit, equipment financing, and receivables advances — $75K to $5M+, on your revenue, with §179 writing off qualifying equipment the year it’s placed in service. One application, soft-pull review to start.
Common Questions
Dermatology Financing — Questions, Answered
Yes — approval is on practice revenue across both the medical and cosmetic books, not equipment resale.
Yes — a working line advances against the medical side’s receivables.
A qualifying build placed in service can generally be written off the year it’s treating; your CPA models the bracket.
A signed application plus four months of bank statements, a P&L, a balance sheet, and two years of returns. If recent years show losses, the specialist desk can underwrite on four months of bank statements.
Yes — a second location or buy-in is structured revenue-based and capital-stacked on cash flow, not as an SBA 7(a) loan.
Recommended Funding
The Products That Fit Dermatology Work
Equipment Financing →
Finance the cosmetic laser menu and Mohs lab — §179 write-off included.
Working Capital Loans →
Float cosmetic consumables and injectable inventory across the pay cycle.
Business Line of Credit →
Draw against medical-derm receivable timing, repay as insurance pays.
Invoice Factoring →
Advance against aging medical-side receivables instead of waiting 45–60 days.
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