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
Real Results
We've Funded Med Spas Like Yours
The Laser System
A med spa owner in Scottsdale needed the latest multi-platform laser system — $150K. The device would generate $30K/month in treatment revenue from day one. Equipment financing with the laser as collateral. Section 179 deducted the full $150K in year one.
$150K laser → $60K Section 179 savings → paid for itself in 5 months
The Second Location
A successful Miami med spa was turning away clients — fully booked 6 weeks out. Opening a second location in Boca Raton required $300K for buildout and $200K for equipment. SBA 7(a) covered the entire project with just 10% down instead of draining reserves.
$500K SBA 7(a) → 10% down → second location profitable in 4 months
The Injectable Inventory
A high-volume injectable clinic in LA goes through $40K in Botox and filler inventory every month. Paying upfront to suppliers while treatments are booked 2-3 weeks out creates a constant cash gap. A revolving line of credit covers the monthly buy, repaid as treatments are performed.
$40K/month LOC → draw monthly → repay as treatments close → zero cash gap
The CoolSculpting Addition
A Denver med spa wanted to add body contouring — their clients were asking for it. A $90K CoolSculpting system plus $30K for a marketing launch to fill the schedule. Equipment financing covered the device, working capital funded the marketing campaign.
$120K total → funded in 7 days → body contouring revenue from month 1
The Staffing Investment
A growing Austin med spa found two experienced nurse injectors — both available immediately. But hiring them meant $80K upfront: signing bonuses, advanced training certifications, and 3 months of salary before they'd build a full patient book. Working capital bridged the ramp-up period.
$80K working capital → 48 hours → both NPs generating $25K/month each by month 3
The Technology Upgrade
A med spa's 5-year-old laser was becoming obsolete — newer platforms offered better results, faster treatments, and more service options. The manufacturer offered a $40K trade-in. Equipment financing covered the $140K difference on the $180K replacement.
$140K financed → 5 days → 3x more treatment options → revenue up 40%
Industry Data
The Numbers That Matter
Average med spa revenue runs $1M-$3M annually with the right equipment mix
— American Med Spa Association
Equipment lifecycle in aesthetics is 3-5 years — the device you bought 4 years ago is already losing patients
— Medical Insight Inc.
Average treatment room generates $250K-$500K per year when properly equipped and staffed
— AmSpa State of the Industry Report
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 equipment pays for itself faster than almost any other industry. A $150K laser generating $30K/month in treatments? That’s a 5-month payback. Finance it, don’t drain your cash.
— Bobby Friel, Basecamp Funding - Founder
Real Challenges
The Real Challenges Med Spas Face (And How Funding Solves Each One)
| Challenge | What It Looks Like | What It Costs You | Funding Solution | Typical Amount | Speed |
|---|---|---|---|---|---|
| Equipment costs ($100K-$300K per device) | Lasers, body contouring systems, and RF devices cost more than most small businesses | Can't offer trending treatments, patients go to competitors | Equipment financing (device is collateral) | $50K–$500K | 3–7 days |
| Injectable inventory cycles | $20K-$50K/month in Botox, Dysport, and fillers. Payment due before treatments are performed | Cash crunch between inventory purchase and treatment revenue | Line of credit | $25K–$200K | Pre-approved, draw as needed |
| Staffing (nurse injectors $80K-$120K) | Experienced NPs and PAs command premium compensation packages | Understaffed = underbooked = lost revenue | Working capital | $30K–$150K | 1–3 days |
| Marketing/client acquisition | SEO, social media, influencer campaigns, Google Ads — $5K-$15K/month to stay visible | Empty treatment rooms, competitors outspend you | Working capital or LOC | $25K–$100K | 1–3 days |
| Technology obsolescence | Laser platforms become outdated in 3-5 years, newer devices offer better results | Patients choose competitors with newer technology | Equipment financing (trade-in + finance difference) | $50K–$300K | 3–7 days |
| Facility buildout | Treatment rooms, waiting areas, consultation rooms — $50K-$200K per location | Can't add capacity, patient experience suffers | SBA loan + working capital | $50K–$500K | 1–5 days (WC) / 3–4 weeks (SBA) |
| Second location expansion | Full buildout + equipment + staff for location #2 — $300K-$700K total | Growth capped at one location's capacity | SBA 7(a) | $300K–$5M | 3–4 weeks |
Need medical malpractice or general liability coverage? Our sister company InsuranceService365.com covers med spas across 29 states.
Found your scenario? See what you qualify for — 60 seconds, no credit pull.
Every week without funding in place is a week you're exposed. The next equipment failure, the next cash flow gap, the next opportunity you can't move fast enough on — you want capital ready before you need it. Pre-qualifying takes 60 seconds and doesn't affect your credit.
Check My OptionsNo hard credit pull · No obligation · 60 seconds
Financed a $150K laser platform. Paid for itself in 5 months. Section 179 saved $60K in taxes. My accountant couldn't believe the math.
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.
Free Tool
What Can Your Med Spa 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.
Opening our second location seemed impossible. SBA 7(a) through Basecamp — $500K, 10% down. Boca location was profitable in 4 months.
The Difference
Why Med Spas Choose Basecamp Over Their Bank
| Your Bank | Basecamp Funding | |
|---|---|---|
| Application | 45 minutes + document upload | 60 seconds, minimal documents |
| Credit pull | Hard pull (hurts your score) | Soft pull (no impact) |
| Lenders reviewing your app | 1 | 70+ |
| Understands med spa equipment? | Usually no — debates if it's a "real medical practice" | Yes — our lenders fund med spas daily |
| Understands treatment revenue? | "Come back with 2 years of tax returns" | Revenue-based approval, evaluates treatment volume |
| Time to funded | 2–6 weeks | As fast as same day |
| If they say no | You're stuck | 69 other lenders still competing |
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 – $1M
Revenue-based funding for working capital, equipment, and growth. Most fund in 1–3 days.
See What You Qualify For →Established Businesses
$1M – $5M
Structured financing with capital stacking. Dedicated commercial specialist. Multiple lenders optimized for your transaction.
Talk to a Commercial Specialist →Commercial & Complex
$5M – $10M+
Complex transactions. Multi-lender capital stacks. Acquisitions, commercial real estate, fleet buildouts. Dedicated commercial 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.
| Product | Typical Amount | Term | Cost Range | Speed to Fund | Best For |
|---|---|---|---|---|---|
| Equipment Financing | $25K-$2M | 6 mo - 10 yrs | 5-14% APR | 3-7 days | Lasers, devices, systems |
| Working Capital | $10K-$500K | 3-18 months | 1.1-1.4 factor rate | 1-3 days | Marketing, consumables, payroll |
| Business Line of Credit | $10K-$5M | Revolving | 8-22% APR | 1-5 days | Inventory, supplies, marketing |
| SBA Loan | $50K-$5M | 5-25 years | 6-10% APR | 30-60 days | Build-out, real estate, acquisition |
| Term Loan | $50K-$2M | 6 mo - 10 yrs | 7-22% APR | 2-7 days | Renovation, expansion, branding |
| Revenue-Based Financing | $10K-$500K | 3-18 months | 1.1-1.5 factor rate | 1-3 days | Payments adjust with revenue |
Rates and terms vary by credit profile, revenue, and time in business. These are typical ranges for med spas in our network.
Real Numbers
What Med Spa Funding Actually Costs
| Scenario | Product | Amount | Rate | Term | Monthly Payment | Total Cost | Net Cost After §179 |
|---|---|---|---|---|---|---|---|
| Laser platform | Equipment financing | $150,000 | 8% APR | 5 years | $3,042 | $182,520 | ~$122,520 (40% tax rate) |
| Second location | SBA 7(a) | $500,000 | 7% APR | 10 years | $5,805 | $696,600 | N/A |
| Injectable inventory (monthly) | Line of credit | $40,000 drawn | 12% APR | 1 month used | Interest only: $400/mo | ~$400 | N/A |
| CoolSculpting + marketing | Equipment + WC | $120,000 | 9% APR (blended) | 5 years | $2,490 | $149,400 | ~$101,400 (40% tax rate) |
| Nurse injector hiring | Working capital | $80,000 | 15% APR | 12 months | $7,234 | $86,808 | N/A |
| Laser replacement (after trade-in) | Equipment financing | $140,000 | 8% APR | 5 years | $2,839 | $170,340 | ~$114,340 (40% tax rate) |
These are real numbers from real funding scenarios in our network. Your rate depends on your credit profile, revenue, and time in business.
Tax Strategy
Section 179: The Tax Deduction Every Med Spa Owner Should Know
Section 179 lets you deduct the FULL purchase price of qualifying equipment in the year you buy it. Lasers, body contouring systems, RF devices, treatment chairs — all qualify.
2026 limit: over $1.16 million.
Here's what that means in real dollars:
| Equipment | Cost | Your Tax Rate | Section 179 Deduction | Tax Savings | Net Cost |
|---|---|---|---|---|---|
| Multi-platform laser | $150,000 | 40% | $150,000 | $60,000 | $90,000 |
| CoolSculpting system | $90,000 | 35% | $90,000 | $31,500 | $58,500 |
| RF microneedling device | $45,000 | 40% | $45,000 | $18,000 | $27,000 |
| IPL platform | $35,000 | 35% | $35,000 | $12,250 | $22,750 |
| Treatment chairs (4) | $20,000 | 40% | $20,000 | $8,000 | $12,000 |
Finance the equipment. Keep your cash. Take the deduction. Your $120K excavator costs you $72K after taxes and you never touched your reserves.
Bobby's take: A $150K laser that generates $30K/month in treatments has a 5-month payback. Add the Section 179 deduction and your net cost drops to $90K. Finance it every time.
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
Your funding specialist presents 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.
Our $40K monthly injectable buy was crushing our cash flow. Line of credit solved it permanently — draw monthly, repay as treatments close.
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.
4 months of bank statements
PDF download or online banking credentials
Business checking account
Must be a dedicated business account
Valid business license or EIN
Proof your business is registered
Government-issued ID
Driver's license or passport
Outstanding debt details
Existing loans, MCAs, or credit lines
Approximate monthly revenue
Doesn't need to be exact
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 →Hired two nurse injectors with a $80K working capital loan. Both were generating $25K/month within 90 days. Best investment we've made.
Replaced our 5-year-old laser with a new platform. Trade-in + financing = $140K. Revenue went up 40% because the new device offers 3x more treatments.
Don't Wait Until You Need Funding to Get Funded
68% of loan denials happen because of weak financials at time of application. The best time to apply is when your business is performing — not when you're scrambling. See what you qualify for now while your numbers are strong.
No credit impact · No obligation · 60 seconds
By Trade
Med Spa Funding by Specialty
| Trade | Common Funding Need | Typical Amount | Why This Trade Qualifies Well |
|---|---|---|---|
| Laser Hair Removal | Multi-platform laser systems, treatment room buildout | $50K–$300K | High repeat visit rate, predictable revenue |
| Injectable Clinic (Botox/Fillers) | Inventory cycles, nurse injector hiring, marketing | $25K–$200K | Highest margins in aesthetics, loyal patient base |
| Body Contouring (CoolSculpting) | Body sculpting devices, marketing launch | $50K–$300K | Trending treatment, high per-session revenue |
| Skin Rejuvenation | RF devices, microneedling, chemical peel inventory | $25K–$200K | Multiple treatment modalities, package pricing |
| IV Therapy | IV equipment, vitamin inventory, treatment chairs, compliance | $15K–$100K | Growing wellness segment, high margins |
| Hormone/Wellness Clinic | Lab equipment, pharmaceutical inventory, provider staffing | $25K–$200K | Recurring subscription revenue, long-term patients |
| Plastic Surgery Practice | Surgical suites, anesthesia equipment, OR buildout | $100K–$2M | Highest per-procedure revenue, strong demand |
| Dermatology Spa | Medical-grade skincare, laser devices, pathology partnerships | $50K–$500K | Medical + cosmetic revenue streams |
| Weight Loss Clinic | Body composition equipment, pharmaceutical inventory, staffing | $25K–$200K | GLP-1 boom driving record demand |
| Tattoo Removal | PicoSure/PicoWay laser systems, treatment protocols | $50K–$200K | Limited competition, growing demand |
| Microblading Studio | PMU supplies, training, treatment room setup | $10K–$75K | Low overhead, high per-session revenue |
| Full-Service Med Spa | Multi-device suite, full staff, marketing, facility | $100K–$1M | Diversified revenue, multiple profit centers |
Financing by Specialty
Every med spa specialty. Click yours for tailored options.
Need commercial insurance for your med spas business?
Our sister company InsuranceService365.com 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 ForNo hard credit pull · Free to check · Nationwide
Med Spa Business Loans & Aesthetic Practice Financing — $10K to $5M+
Look — your bank spends 3 months debating whether a med spa is a 'real medical practice' while your competitor down the street just bought the latest laser platform. They don't understand that a $150K device generates $30K/month in treatment revenue. They don't get injectable inventory cycles or why you need $80K to hire two nurse injectors who'll generate $50K/month combined within 90 days. We do. One 60-second application. 70+ lenders see it. No hard credit pull.
I talk to med spa owners every day who waited too long. They watched clients walk to the practice with the newer laser. They ran out of Botox mid-month because they couldn't fund a $40K inventory buy. They passed on a second location because they couldn't put together $50K for the down payment. Don't be that practice.
Laser hair removal, injectable clinics, body contouring, skin rejuvenation, IV therapy, hormone clinics, plastic surgery, dermatology spas, weight loss clinics, tattoo removal, microblading, and full-service med spas — we fund all of them. Equipment financing starting at 5% APR with the device as collateral. Working capital in 24 hours. Lines of credit for injectable inventory. SBA loans for second locations. We've funded $150K laser platforms, $500K second-location buildouts, and $80K staffing packages. All through our network.
If you've got clients asking for treatments you can't offer because you don't have the equipment — fill out the application. If a $150K laser would pay for itself in 5 months — fill out the application. Takes 60 seconds. Most med spa owners hear back within hours. Same-day funding is on the table.