“We needed $180K for a new laser platform and treatment room buildout. Equipment financing would only cover the device. Basecamp Funding funded everything — laser, buildout, and marketing — in one package. Revenue from the new service line covered the payment in month two.”
★★★★★ — Dr. Sarah M. . Med Spa Owner . 4 Treatment Rooms . Scottsdale, AZ
See What You Qualify For
Find Out What You Qualify For in 60 Seconds
Slide the calculator to see your estimated approval range. Then answer 3 quick questions to lock it in. No documents needed. No credit impact.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · No obligation · Estimate only
Your Application Gets Matched Across 70+ Lending Partners Including
Multiple lenders compete for your business — you pick the best offer
Med Spa Business Loans & Laser Equipment Financing — $10K to $5M+
Basecamp Funding connects med spa owners, medical aesthetics providers, and cosmetic practices with over 70 lending partners specializing in med spa business loans. Whether you need equipment financing for laser systems and body contouring devices, working capital for marketing and consumables, a business line of credit for injectables inventory, or an SBA loan for a new location build-out — we match you with the best rates and terms available.
Medical aesthetics practices, laser hair removal clinics, body contouring centers, skin rejuvenation spas, injectable practices, wellness centers, weight loss clinics, anti-aging centers, and day spas transitioning to medical aesthetics trust Basecamp Funding for fast, flexible capital. From a $15K service contract renewal to a $1.5M multi-location acquisition — one 60-second application, no hard credit pull, no minimum credit score.
Most med spa loan approvals happen within hours. Same-day funding is available on select products. Stop waiting on banks that don't understand treatment ROI, equipment depreciation, and consumable costs — let 70+ lenders compete for your business.
Sound Familiar?
Why Med Spa Owners Come to Us Instead of Their Bank
You want to add CoolSculpting to your service menu. The system is $120K. It generates $8K-$12K/month in revenue. Your bank wants to see 2 years of revenue from a service you haven't launched yet.
Your lease is up in 6 months and you found the perfect space — 3x the size, better location. Build-out estimate: $180K. Your landlord needs a signed lease in 2 weeks.
You hired 2 new aestheticians and added 4 treatment rooms. Revenue will follow in 60-90 days but payroll jumped $16K/month now.
The Morpheus8 system that generates 35% of your revenue needs a $15K service contract renewal. It's due in 10 days and you just reinvested your cash into marketing.
A competing med spa is closing. Their laser equipment — Halo, BBL, and a diode — is worth $250K. They'll sell everything for $100K if you can close this month.
You've been open 10 months. Revenue just hit $30K/month and growing 15% month-over-month. Every lender wants 2 years of history.
If any of this sounds familiar, you're exactly who we built this for.
Get Your Options →“Our CoolSculpting system paid for itself in 4 months. Basecamp funded $120K in 5 days. My bank said med spas were 'too niche.'”
★★★★★ — Dr. Amanda R., Med Spa Owner, Florida
Why Us
Why Med Spas Choose Us Over Banks
We built our process around the way med spas actually operate — not the way banks wish you did.
We Fund the Full Launch, Not Just the Device
Equipment lenders only cover the laser. You still need buildout, marketing, and training. Our lenders fund the complete package so your new service line launches right.
Injectable Inventory Is Working Capital
Botox and fillers expire and cost thousands per month to stock. Banks don't fund consumable inventory. Our lenders understand that injectables are your bread and butter.
New Med Spas Qualify at 6 Months
Banks want 2+ years of history. Most med spas hit their stride in year one. Our lenders evaluate your revenue trajectory, not just time in business.
Clinical Pros Don't Need Business Plans
You're a nurse practitioner or physician, not an MBA. Banks demand projections and financial models. Our lenders fund based on your deposits and a simple application.
Technology Moves Faster Than Banks
The next-gen laser platform launches in 60 days and your competitor already placed an order. Our lenders fund fast enough to keep your technology current.
Second Locations Don't Need SBA Paperwork
SBA loans take 3-6 months and require mountains of documentation. Our lenders fund new locations based on your first location's proven performance.
The medical aesthetics market is growing at 14% annually — practices that invest in technology capture the growth
— American Med Spa Association
The average med spa spends $120,000 on a single laser platform before treating a single patient
— Medical Insight Inc.
Med spas that add body contouring services see a 35% increase in average revenue per client
— Aesthetic Society Economic Survey
Free Tool
What Can Your Med Spa Business Qualify For?
Enter your monthly revenue, time in business, and industry to see your estimated approval range and recommended products. No credit pull.
Avoid These
5 Funding Mistakes That Cost Med Spa Owners the Most
"Leasing equipment when you should finance"
Equipment leasing often costs 20-30% more than ownership financing over the life of the device. On a $120K laser, that's $25K-$35K in extra cost — plus you don't own the asset at the end.
"Not calculating per-treatment ROI before purchasing"
A $120K laser that does $500 treatments at $300 each generates $150K in revenue in its first year. That's a 25% ROI. But a $200K device that your market won't support at volume is a liability.
"Underfunding marketing for new services"
Buying a $120K laser and spending $0 on marketing means it sits idle. Budget 15-20% of equipment cost for launch marketing.
"Using personal funds for build-out"
Med spa build-outs regularly exceed estimates by 20-30%. Using all personal savings leaves zero cushion. Equipment financing preserves your cash reserves.
"Not planning for consumables"
Laser tips, injectables, skincare inventory, and disposables cost $3K-$8K/month depending on volume. Budget 6 months of consumables into your startup or expansion plan.
“Acquired a competing spa with 2 locations for $1.4M. Our bank quoted 60+ days. Basecamp's SBA lender closed in 24.”
★★★★★ — Jason M., Med Spa Group, California
How We Compare
How We Compare
Not all funding sources are created equal. Here's how we stack up against your other options.
Funding by Practice Size
How We Fund Med Spas at Every Stage
Solo Med Spa / 1-3 Staff
Common Needs
Equipment financing, working capital
24-48 hours
Glow Aesthetics, solo provider in Scottsdale — needed $65K for a Stellar M22 laser to add IPL and skin resurfacing. Bank wanted 2 years of P&L for a business open 9 months. Equipment-secured financing approved in 48 hours.
Growing Med Spa / 4-12 Staff
Common Needs
Equipment financing, line of credit, SBA loans
24-72 hours
Radiance Med Spa, 8-person team in Atlanta — $280K for CoolSculpting Elite, a Morpheus8, and two new treatment rooms. Manufacturer financing quoted 14%. Funded at 8.9% through our equipment network.
Multi-Location Med Spa / 12+ Staff
Common Needs
SBA loans, term loans, large equipment financing
1-3 weeks for complex financing
Luxe Body Contour, 3 locations — $1.4M to acquire a competing 2-location med spa chain. SBA 7(a) with favorable terms. Closed in 24 days.
Funding Built for Your Med Spa
Whether you're a solo provider or running multiple locations, we match you with the right product and amount.
Growing Businesses
$10K – $500K
Revenue-based funding for working capital, equipment, and growth. Most businesses fund in 1–3 days.
See What You Qualify For →Established Businesses
$500K – $5M
Term loans, SBA loans, and large equipment financing for businesses with $500K+ monthly revenue.
See What You Qualify For →Commercial & Complex Financing
$5M – $10M+
Business acquisitions, commercial real estate, and structured financing. Dedicated commercial lending team.
Request a Financing Review →Pricing Transparency
What Med Spa Funding Actually Costs
Most lenders hide the real cost behind jargon. Here's what businesses actually pay.
Rates and terms vary by credit profile, revenue, and time in business. These are typical ranges for med spas in our network.
How It Works
From Application to Funded in 5 Steps
No paperwork avalanche. No bank lobby. No guessing.
60-Second Application
Answer a few quick questions about your business. No documents needed yet.
Soft Credit Check
We check your options with zero impact on your FICO. Your score stays untouched.
Lenders Compete Behind the Scenes
Your profile is matched to 70+ lending partners. They compete - you never hear from them directly.
One Specialist, Multiple Offers
A single funding specialist calls you with your best options. No spam calls. No runaround.
Pick Your Offer & Get Funded
Choose the rate and terms that fit. Sign digitally. Funds hit your account - same day available.
Use Your Capital For
How Med Spas Use Basecamp Funding
Laser & Light Devices
IPL, fractional CO2, Nd:YAG, diode. Fund the next-gen platform without draining your operating account.
Injectable Inventory
Botox, Dysport, Juvederm, Restylane, Sculptra. Buy in bulk for better margins. Never turn clients away.
Buildout & Renovation
Treatment rooms, reception areas, Instagrammable spaces. Create the premium experience your clients expect.
Body Contouring Systems
CoolSculpting, Emsculpt, RF body tightening, laser lipo. High-ticket services that pay for themselves.
Staffing & Training
Licensed aestheticians, RNs, NPs, front desk. Fund hiring and certification programs.
Marketing & Client Acquisition
Instagram ads, Google Ads, influencer partnerships, before/after content, loyalty programs.
Microneedling & Skin Tech
RF microneedling, HydraFacial, chemical peels, PRP equipment. Add high-demand services to your menu.
Debt Consolidation
Refinance equipment leases, MCAs, or vendor financing into one predictable payment.
Second Location
Open a satellite location, launch a pop-up, or expand into an adjacent suite. Scale your brand.
“10 months in business, growing 15% monthly, and they still said yes. $45K working capital funded in 48 hours.”
★★★★★ — Nicole S., Aesthetics Provider, Texas
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
Before You Apply
What to Have Ready
Having these speeds up your approval. Don't have everything? Start anyway — we'll guide you.
✓3 months of bank statements
Business operating account
✓Business checking account
Dedicated business account (not personal)
✓Medical or business license
State medical license, NP license, or business license
✓Government-issued ID
Driver's license or passport
✓Outstanding debt details
Equipment leases, vendor financing, MCAs, loans
✓Approximate monthly revenue
Doesn't need to be exact — ballpark is fine
Your Competitors Are Adding That Laser System Right Now
Aesthetic technology moves fast. The med spa down the street is already marketing their new body contouring platform. Every month you wait is a month of high-ticket clients choosing them over you. A pre-approved credit line costs nothing until you draw it — but when the right device becomes available, you move first.
No credit impact · No obligation · 60 seconds
See What You Qualify For
See What You Qualify For. No Credit Impact. No Obligation.
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
No hard credit pull · No obligation · Estimate only
Recommended Products
Recommended Loan Products for Med Spas
The most popular funding types for med spas businesses. Each links to a detailed product page.
Equipment Financing
Finance laser platforms, body contouring systems, and RF microneedling devices.
View Product Details →Working Capital Loans
Stock injectable inventory, fund marketing launches, and cover operating expenses.
View Product Details →SBA Loans
Open a new location or acquire an existing med spa with favorable SBA terms.
View Product Details →Business Line of Credit
Draw funds for marketing campaigns, seasonal inventory, and staffing as client demand grows.
View Product Details →Financing by Med Spa Specialty
Every aesthetic service. Click yours for tailored options.
Need commercial insurance for your med spas business?
Our partner Direct Insurance Services covers med spas businesses across 29 states.
FAQs
Med Spa Business Loan FAQs
Amanda R.
Med Spa Owner | Scottsdale, AZ
“Financed a $150K laser system. Paid for itself in 5 months. Bobby’s team found a lender who actually understood the med spa business model.”
The Best Med Spas Don't Wait for Capital. They Secure It First.
60 seconds. No credit impact. No obligation.
See What You Qualify For →No hard credit pull · Free to check · Nationwide