This Is Why You're Here
Why Dermatologys Come to Us Instead of Their Bank
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
Get Your Dermatology Business Funded in 60 Seconds
Slide the calculator to see your estimated approval range. Then answer 3 quick questions to lock it in. No documents needed. Soft-pull pre-qual.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
Soft-pull pre-qual · No obligation · Estimate only
Built for Your Business
Why Dermatology Businesses Choose Basecamp
We Finance Every Laser Brand
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.
Medical + Cosmetic Revenue Counts
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.
Injectable Inventory Funding Fast
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.
Cosmetic Suite Build-Outs Funded
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.
Bobby's Take
Bobby's Playbook for Dermatology
Most dermatology practice owners are evaluated by banks the same way a retail shop is — top-line revenue, profit margin, two years of returns. What banks miss is that a 50% cosmetic / 50% medical revenue split plus biologic-injectable inventory turn generates predictable cash flow that doesn't show up in P&L the way bankers expect. The specialists who fund dermatology practices know to read your biologic-inventory turn and cosmetic-versus-medical revenue split. Here's how to position your transaction so the right lenders see it first.
Three things determine whether a dermatology transaction closes: cosmetic-versus-medical revenue mix, biologic-supplier account standing (Galderma, AbbVie, etc.), and provider productivity per session. Not your personal FICO. Not your time in practice. Specialist dermatology lenders care about whether your blended cosmetic and medical revenue supports a $3,500-$7,000/month payment — and whether your cosmetic mix gives you the higher margin that protects the file from insurance-reimbursement compression.
The biggest mistake dermatology operators make: applying with revenue blended without separating cosmetic cash-pay from medical insurance-billed work. The lender sees mixed receivables and underwrites to the slower insurance side. The fix: separate cosmetic cash-pay revenue from medical insurance receivables on the file. Specialist dermatology lenders price cosmetic as the highest-margin recurring revenue. Generalist lenders apply general-medical assumptions and miss the cosmetic strength.
deferred high-margin cosmetic revenue from delayed capacity
Where this gets interesting at scale: a dermatology practice adding a Mohs suite, a cosmetic injector, or a second location doesn't need ONE loan. They need equipment financing for the Mohs or laser equipment + a working capital line for biologics inventory + a revenue-based term loan against existing cosmetic and medical revenue to cover the second-location lease. Three products, three lenders, one application — that's how single-location dermatology practices scale into multi-location specialty groups without each expansion competing for the same reserves.
The dermatology operators who scale fastest aren't the ones who waited for a perfect insurance-reimbursement environment. They're the ones who structured financing so they could expand cosmetic capacity even when medical reimbursement was tightening. Every quarter you delay adding cosmetic capacity is $30,000-$60,000 a month in deferred high-margin revenue. Run the numbers in 60 seconds — see what 70+ specialist lenders will offer your dermatology practice this week.
Bottom line:
Dermatology practices get underwritten on the slower insurance side when cosmetic cash-pay is the actual margin. Separate revenue lines or stay capped — generalists won't read the cosmetic strength on a blended file.
Bobby Friel
Founder, Basecamp Funding
What You're Up Against
The Real Challenges Dermatologys Face
Pricing Transparency
What Dermatology Funding Actually Costs
Rates and terms depend on credit, revenue, time in business, and lender. Every business is unique — see what 70+ lenders will offer you in 60 seconds. Soft-pull pre-qual.
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
Section 179 Breakdown for Dermatologys
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
Founder, Basecamp Funding
How It Works
From Application to Funded in 5 Steps
No paperwork avalanche. No bank lobby. No guessing.
60-Second Intake
Tell us about your practice, specialty, and monthly receipts. No HIPAA-sensitive uploads.
Soft Credit Screen
We screen options with no impact on personal FICO or practice commercial credit.
Healthcare-Specialty Lenders Compete
70+ lenders who fund dentists, primary care, vets, and specialty practices review your file in parallel.
One Specialist, Multiple Term Sheets
Your funding specialist walks through equipment finance, working capital, and SBA structures with full transparency.
Choose Your Offer, Sign, Get Funded
E-signature. Capital lands in time to install equipment, hire staff, or cover the insurance reimbursement gap.
Dermatology Capital Uses
What Dermatology Businesses Use Funding For
Practice Acquisition
Buy an existing practice. Dental, medical, vet, chiropractic. Term loans + equipment financing + working capital stacked. Revenue-based underwriting through 70+ specialty lenders.
Medical Equipment
Lasers, imaging machines, dental chairs, surgical tools. Equipment financing with the device as collateral.
Payroll & Staffing
Cover payroll during reimbursement delays. Hire hygienists, techs, front desk staff. Retain your best people.
Buildout & Renovation
New exam rooms, waiting room remodel, second location buildout. Create the space your patients deserve.
Technology & EHR
Electronic health records, practice management, telehealth platforms, patient portals.
Marketing & Growth
Google Ads, patient acquisition, website redesign, reputation management. Fill your schedule.
Full Transparency
What Kills Your Qualification (And What Doesn't)
Most lenders won't tell you this upfront. We will.
✅ These Won't Stop You
These Can Be Deal-Breakers
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.
Don't Wait Until You Need Funding to Get Funded
Insurance reimbursement runs 30-60 days behind the procedure. The practices that grow steadily are the ones that pre-qualified BEFORE they needed to bridge the gap. By the time payroll is tight or the imaging machine is past warranty, underwriting is harder. Pre-qualify when the schedule is full — that's when lenders are most generous.
Ready?
See What Your Dermatology Business Qualifies For
Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
Soft-pull pre-qual · No obligation · Estimate only
Other Healthcare Practices Specialties We Fund
Click any specialty for tailored financing options.
Recommended Products
Recommended Funding for Dermatology Businesses
Working Capital
Bridge insurance reimbursement delays. Funded in 24 hours.
Learn More →Equipment Financing
Finance imaging, chairs, and medical devices — asset-backed rates.
Learn More →SBA Loans
Practice acquisition, buildout, and expansion at government-backed rates.
Learn More →Business Line of Credit
Revolving access for supplies, staffing, and operational expenses.
Learn More →FAQs
Dermatology Business Loan FAQs
Dermatology Practice Loans & Derm Equipment Financing — $10K to $20M+
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.
Stop Watching Reimbursement Lag Drain Your Reserves. Get Your Dermatology Practice Funded Today.
60 seconds. Soft-pull pre-qual. No obligation.
See What You Qualify For →Soft-pull pre-qual · Free to check · Nationwide