This Is Why You're Here
Why MedSpas Come to Us Instead of Their Bank
You want to add a body contouring system — $120K for CoolSculpting Elite. It generates $8K-$12K/month in revenue. Your bank says med spas are 'too niche' to finance.
Your Morpheus8 needs a $15K service contract renewal due in 10 days. It generates 35% of your revenue. You just reinvested cash into a marketing campaign.
A competing med spa is closing. Their laser inventory (Halo, BBL, diode) is worth $250K — they'll sell for $100K if you close this month.
You booked a $45K Allergan order for Botox and Juvederm because volume discounts save you 20%. But the invoice is net-30 and your operating account has $18K. That order represents 6 weeks of injectable revenue.
You're launching a membership program and need $30K for marketing, a booking platform upgrade, and renovating your VIP treatment suite. The membership model smooths out seasonal dips but the launch costs hit all at once.
A competing med spa was liquidating $250K in lasers for $100K. I needed to close in 2 weeks. Basecamp funded the whole purchase in 8 days. Those devices generate $35K a month now.
Jennifer L., Med Spa Owner & NP, San Diego, CA
MedSpa Financing
Get Your MedSpa 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 MedSpa Businesses Choose Basecamp
Banks Don't Get Med Spas. We Do.
Banks classify you as a salon or a doctor's office — neither fits. Our lenders understand the aesthetics model: cash-pay patients, high margins, and equipment that pays for itself in months.
Injectable Inventory Lines Ready
Botox and filler orders run $10K-$30K a month. That's cash upfront before clients walk in. A revolving credit line covers inventory so you never cancel appointments over stock.
Service Contracts Funded Instantly
A $15K Morpheus8 service contract due in 10 days? That device generates 35% of your revenue. We fund the contract in days so your money-maker never goes offline.
Distressed Equipment Opportunities Move Fast
When a competitor closes, their $250K in lasers sells for pennies on the dollar. You need funding in a week, not a month. We close equipment financing in 5-10 days.
Bobby's Take
Bobby's Playbook for MedSpa
Most healthcare-based med spa operators 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 cash-pay aesthetic medicine revenue at $1,500 average per-treatment ASPs generates predictable cash flow that doesn't show up in P&L the way bankers expect. The specialists who fund medical spas know to read your cash-pay package conversion and per-ASP treatment economics. Here's how to position your transaction so the right lenders see it first.
Three things determine whether a healthcare medical spa transaction closes: cash-pay treatment volume, your physician-supervisor or NP-PA model, and the resale value of your aesthetic equipment. Not your personal FICO. Not whether you have years in primary care. Specialist medical-spa lenders care about whether monthly cash-pay treatment revenue supports a $3,000-$6,000/month payment — and whether your equipment portfolio holds resale value to underwrite the loan against the asset.
The biggest mistake healthcare medspa operators make: applying with mixed primary care and aesthetic revenue, with no breakdown by service line. The lender can't see that the cash-pay aesthetic side is the strongest part of the practice. The fix: produce a service-line breakdown showing aesthetic cash-pay revenue separately from medical insurance-billed revenue. Specialist medspa lenders price cash-pay aesthetic as the strongest revenue. Generalist lenders apply general-medical assumptions to everything.
deferred high-margin aesthetic revenue from blended financials
Where this gets interesting at scale: a healthcare med spa adding new lasers, injectables, or a second treatment room doesn't need ONE loan. They need equipment financing for the new device + a working capital line for product inventory and patient marketing + sometimes a SBA 7(a) for a dedicated aesthetic suite buildout. Three products, three lenders, one application — that's how primary care practices with med spa wings scale into purpose-built aesthetic medical centers.
The healthcare med spa operators who scale fastest aren't the ones who waited for insurance reimbursement to fix their margins. They're the ones who structured financing to add high-margin cash-pay aesthetic capacity. Every quarter you delay adding aesthetic capacity is $25,000-$60,000 a month in deferred high-margin revenue going to specialty competitors. Run the numbers in 60 seconds — see what 70+ specialist lenders will offer your medical spa this week.
Bottom line:
Healthcare medical spas get blended into family-medicine assumptions when the cash-pay aesthetic side is the actual margin. Service-line P&L is the difference — generalists treat all medical revenue as one bucket.
Bobby Friel
Founder, Basecamp Funding
What You're Up Against
The Real Challenges MedSpas Face
Pricing Transparency
What MedSpa 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 MedSpas
Finance the equipment. Keep your cash. Take the deduction. Your multi-application laser 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.
MedSpa Capital Uses
What MedSpa 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 medspa 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 MedSpa 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 MedSpa 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
MedSpa Business Loan FAQs
Med Spa Loans & Medical Aesthetics Equipment Financing — $10K to $20M+
Med spas are the highest-margin business in healthcare. A $120K CoolSculpting system doing 3 treatments a week at $3,000 each? That's $36K a month on a $2,400 payment. But banks hear "med spa" and think nail salon. They don't understand that you're a medical practice with cash-pay patients and zero insurance hassle. Our lenders get the model. They see the margins.
And the opportunities come fast in this space. A competing med spa closes and suddenly there's $250K in lasers available for $100K. You need to move in days, not weeks. We funded exactly that transaction in San Diego — $100K in 8 days. Those devices now generate $35K a month. Injectable inventory, Morpheus8 service contracts, marketing campaigns to fill your treatment calendar — we fund all of it. Cash-pay business with high margins? Our lenders fight over med spa applications. 60 seconds. No credit hit.
Stop Watching Reimbursement Lag Drain Your Reserves. Get Your MedSpa Practice Funded Today.
60 seconds. Soft-pull pre-qual. No obligation.
See What You Qualify For →Soft-pull pre-qual · Free to check · Nationwide