Sound Familiar?
Your Patients Are Asking. Your Bank Is Debating.
Right now there's a device you know would pay for itself — a laser, a body-contouring platform, a new injectable line — and patients already asking for the treatment you don't offer yet. The equipment runs six figures. Your bank wants three months to debate whether a med spa is a "real medical practice," then offers to finance the device alone, not the room to put it in or the marketing to fill the schedule. Meanwhile the med spa across town added it last quarter. None of that is a demand problem — the patients are booking. It's capital stuck between the treatment you could offer and the cash to launch it.
If every device and launch that pays for itself were funded the week you decided — how many more service lines would you be running by now?
Bobby’s Take
Med spa equipment pays for itself faster than almost any other industry — a six-figure laser doing strong monthly treatment volume can pay back in months. I talk to owners every week who finance the device but not the room or the marketing, then wonder why the schedule's empty. One file reaches the lenders who fund the whole package on your revenue — device, rooms, and launch — and don't waste three months debating whether you're a "real practice." Finance it, keep your cash, take the Section 179 deduction. So picture the menu you'd offer if every device that pays for itself were funded the week you chose it — what does this med spa bill that it can't right now?
Bobby Friel, Founder, Basecamp Funding · 20+ years in banking and finance
The Real Challenges
The Real Challenges Med Spas Face — and How Funding Solves Each One
| What it costs you | What solves it | Typical range | Speed | |
|---|---|---|---|---|
| Multi-platform equipment | Six-figure lasers and devices tie up cash. | Equipment financing | $250K–$5M | 3–7 days |
| Injectable & consumable inventory | Monthly Botox, filler, and consumable buys strain cash. | Line of credit | $250K–$5M | Days |
| Provider staffing | Nurse injectors and NPs carry immediate payroll before they ramp. | Working capital | $250K–$5M | 1–3 days |
| Marketing a new service line | A new device needs launch marketing before the ROI lands. | Working capital or line of credit | $250K–$5M | 1–3 days |
| Technology obsolescence | Aesthetic devices age in 3–5 years; patients chase newer tech. | Equipment financing | $250K–$5M | Days |
| Facility & expansion | Outgrowing your rooms; a second or third location. | Working capital or owner-occupied CRE | $250K–$20M+ | Days–weeks |
| Second-location expansion | A new location needs devices, rooms, and launch capital at once. | Revenue-based capital stack | $300K–$5M | 2–4 weeks |
Larger lines available when revenue, cash flow, and story qualify.
Medical malpractice and general liability for your med spa → InsuranceService365.com (29 states).
The Numbers That Matter
What a Well-Equipped Med Spa Actually Earns
$1M–$3M
Med spa revenue runs this much annually with the right equipment mix.
American Med Spa Association
3–5 years
The aesthetics equipment lifecycle — the device you bought four years ago is already losing patients.
Medical Insight Inc.
$250K–$500K
What a properly equipped, staffed treatment room generates per year.
AmSpa State of the Industry Report
Capital Stacking
One File. The Whole Service Line Funded.
A new service line is never just the device. It's the device, the room to put it in, the staff to run it, and the marketing to fill the schedule — and equipment financing only covers the first one. A bank, unsure a med spa is a 'real practice,' prices the whole package at its most cautious. A marketplace structures each piece with the lender who underwrites it best — equipment financing for the device, working capital for the room and launch — then stacks them into the number the service line actually needs.
Funded into the full launch — device, room, and marketing — not just the box a device lender will touch.
How a $500K second location gets funded
Equipment caps at $250K? The remainder stacks — for the full structure, see commercial financing.
Med Spas We've Funded
We've Funded Med Spas Like Yours
Representative scenarios — illustrative, anonymized figures, not specific client transactions.
Start Here
Find Your Structure in 60 Seconds
Move the slider for your estimated range, then answer three quick questions to lock it in. No documents to start. Soft-pull review — no score impact.
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
What a med spa owner hears every week
“Anyone will finance the device. The room to put it in and the marketing that fills its schedule are what get skipped — fund all three, or the device just sits.”
Bobby Friel · Founder, Basecamp Funding
Why Us
Why Med Spas Fund With Us Instead of Their Bank
The Real Cost
Where Could This Med Spa Be Right Now?
The empty room and the patients booking elsewhere never show up on a term sheet — but every week, they compound. If capital set the pace of your treatment menu instead of capping it — where would this med spa be a year from now?
Structure Your Capital Plan →Tax Strategy
Section 179 + 100% Bonus Depreciation on Your Devices
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
“If you're paying cash for a device over six figures, run the Section 179 numbers first. Finance it, deduct it, and keep your cash for inventory and marketing.”
Bobby Friel · Founder · 20+ years in banking and finance
Avoid These
5 Funding Mistakes That Cost Med Spa Owners the Most
A lease often costs more over the device's life than financing it — and you don't own the asset or get the Section 179 deduction. Finance the device you'll keep earning on.
A device that doesn't fill its schedule is a payment with no revenue. Model the treatments-per-week to break even before you buy.
A new service line needs marketing to fill the schedule; financing only the device leaves the room idle. Fund the device and the launch together.
Paying cash for a six-figure device strips the working capital you need for inventory, payroll, and marketing. Finance it, keep the cash working, take the deduction.
Lasers and injectables carry ongoing consumable costs. Budget several months of them into the financing so a new device never creates a cash gap.
Put It to Work
Use Your Capital For
01Laser & light devicesSee howLess“What treatment could you offer next month if the laser were already in the room?”
Equipment financing; the device secures the loan, Section 179 year one.
Structure this02Injectable & consumable inventorySee howLess“How much cash is the monthly Botox and filler buy tying up?”
A line of credit you draw monthly and repay as treatments book.
Structure this03Body-contouring systemsSee howLess“What's the body-contouring revenue you're leaving on the table without the platform?”
Equipment financing for CoolSculpting-class and RF devices.
Structure this04Treatment rooms & expansionSee howLess“How many more rooms could you fill if the buildout weren't coming out of cash flow?”
Working capital or owner-occupied CRE for the space.
Structure this05Provider staffing & trainingSee howLess“What could you book if the next nurse injector were hired before the schedule justified it?”
Working capital for signing bonuses, certifications, and ramp payroll.
Structure this06Marketing & client acquisitionSee howLess“What's a new device worth if its schedule sits half-empty for lack of launch marketing?”
Working capital for the launch.
Structure this07Skin & microneedling techSee howLess“What's the menu missing that patients keep asking for?”
Equipment financing for skin-rejuvenation and microneedling platforms.
Structure this08Second locationSee howLess“What's the second location you'd open if the devices, rooms, and launch were funded together?”
A revenue-based capital stack.
Structure this09Device-fleet refreshSee howLess“What's an aging laser costing you as patients drift to the newer tech across town?”
Equipment financing for the refresh.
Structure this10Practice acquisitionSee howLess“What med spa or book of patients would you acquire if capital weren't months away at the bank?”
Revenue-based acquisition financing.
Structure this11Franchise unitSee howLess“What would it take to open the next franchise location on schedule?”
Franchise financing for the unit.
Structure this12Debt consolidationSee howLess“What would your monthly cash look like if the high-cost advances and vendor financing were one payment?”
Consolidate; rate-review later — get funded now, optimize later.
Structure thisFunding by the Size of the Need
Funded at Every Stage
One application, multiple lenders — and a file underwritten on treatment revenue funds in days, whether the need is $250K or $20M+.
How It Works
From Qualifier to Funded in Five Steps
No paperwork avalanche. No bank lobby. No guessing.
Qualify
A few questions about the business, right here. No documents to start.
Application
A soft credit pull and a quick document review to pre-underwrite the file.
Matched to the Right Lenders
The specialist lenders who fund your business - the right lender on each piece.
One Advisor, Real Term Sheets
Your advisor brings back real term sheets, not estimates, and walks the structure.
Structured & Funded
Accept the structure that fits, sign digitally - funded in days, not months.
For the application, have ready
Under two years in business, or the returns show a loss? We can structure on bank statements alone.
Full Transparency
What Kills Your Qualification — and What Doesn't
Most lenders won't tell you this up front. We will.
By Specialty
Financing by Specialty
Every med spa type — click yours for tailored options.
The device as collateral; cash-pay treatment revenue — funded around how the treatments actually book.
Recommended Products
The Products Med Spas Fund With
Matched to how the treatments actually book — and stacked into the full number when one isn't enough.
Equipment Financing
Lasers, injectables tech, body-contouring, and skin platforms — the device secures the loan.
Working Capital
Inventory, payroll, marketing, and launch costs.
Business Line of Credit
Draw for monthly injectable inventory, repay as treatments book.
Business Acquisition
Acquire a med spa, a patient book, or open a second location.
Term Loans
One lump sum for expansion or a new device line.
Franchise Financing
Open or add a med spa franchise unit.
FAQs
Med Spa Financing — Questions Owners Ask
Monthly revenue, time in business, and cash-flow stability. Credit is one factor — many lenders here use revenue-first underwriting, so strong deposits can offset a less-than-perfect profile.
Roughly 100–150% of average monthly deposits for working capital, and up to $5M in equipment financing for devices. Multi-room and multi-location operators with strong deposits qualify for far more, stacked. For acquisitions and second locations, see /loans/business-acquisition.
Equipment financing for a device funds in days; emergency working capital can move as fast as same day. A capital stack for a second location typically funds in 2–4 weeks.
Yes. Equipment financing for lasers, injectables tech, and body-contouring runs $250K–$5M, asset-secured — typically lower cost and longer terms than unsecured products, with Section 179 available.
Yes. With 6+ months operating, the device serves as collateral and your deposits carry the file. Newer practices can expect a down payment.
A revolving line of credit is usually best for recurring injectable and consumable buys — draw monthly, repay as treatments book.
Yes. Working capital covers the provider hire and the launch marketing; equipment financing covers the device — stacked into one package.
No. A soft-pull review has zero impact on your FICO. A hard pull only happens if you choose to move forward with a specific lender's offer.
The Operator's Guide
Med Spa Financing, the Way the Treatments Actually Book
Why banks misread a med spa
Here's what banks don't understand about a med spa: your revenue is cash-pay and your equipment earns from day one. A six-figure device doing strong monthly treatment volume isn't a risk — it's one of the fastest-paying assets in any industry. But the bank debates whether you're a "real medical practice," then funds the box and not the room around it. The lenders here fund the room and the launch too, on your revenue.
I talk to med spa owners every week who waited too long, or who financed the device but not the marketing and watched the schedule sit half-empty. That's a financing problem, and it's fixable — one application, the right structure, the whole launch funded.
Every specialty, funded around the treatment
Botox and injectables, laser services, body contouring, skin rejuvenation, IV therapy, wellness, CoolSculpting, hair restoration, tattoo removal, anti-aging, franchises, multi-location operators — we fund all of them. Equipment financing with the device as collateral, Section 179 deductible. A revolving line for monthly injectable inventory. Working capital for the provider hire and the launch. Revenue-based capital stacking for second locations and acquisitions. The capital matched to the service line, then stacked into the full number.
If there's a device that would pay for itself and patients already asking for the treatment — start the review. A few minutes, soft-pull, no score impact. Most owners hear back within hours.
