The Pinch Points
Why Longevity Clinics Come to Us for Capital
An in-house lab and a regenerative stack are cash out before the first result, and the membership panel that makes the model great is the slowest part to fill. Our lenders read the trajectory. Sound familiar?
The In-House Lab
Owning the diagnostics — hormone panels, biomarkers — is what makes a longevity practice instead of a referral service, and the in-house lab is a $40K–$80K build before the first result.
The Regenerative Stack
Peptides, a $45K regenerative device, and IV protocols are equipment and inventory bought ahead of the memberships that use them.
The Membership Compounds Slowly
A longevity membership is the best recurring revenue in aesthetics once it’s full — and the slowest to fill: months of $8K–$15K a month in spend against a maturing base.
The Peptide and Compound Inventory
Holding pricing on peptides and compounds often means a $15K–$30K volume buy — cash out before the protocols bill.
The Hormone-Optimization Ramp
Building the hormone and HRT side means $10K–$20K a month in provider time, labs, and protocols before the patient panel grows into it.
The Build That Signals Serious
The space, the lab, the concierge feel — a $100K–$250K build that tells a high-end patient you’re the real clinic, spent before they enroll.
What an operator said
“Owning our hormone and biomarker labs changed the practice, but the build was real money before the first membership. Financing it left us cash to grow the panel — it filled faster than we projected.”
Dr. Nguyen · longevity clinic · Scottsdale, AZ
Start Here
See Your Range in 60 Seconds
No credit check, no documents to start, and an estimated funding range on the spot. No one contacts you until you’re ready to move forward.
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
Built for the Trade
What We Fund for Longevity Clinics
Capital for the Lab Build
Working capital funds the in-house lab so you own the diagnostics from day one.
Equipment Financing for Regenerative Gear
Equipment financing funds the regenerative and infusion equipment with §179 write-off ahead of the down payment.
A Working Line for Peptide Inventory
A working line floats the peptide and compound stock so protocols never stall on supply.
Working Capital for the Membership Ramp
Working capital carries the build and marketing while the recurring panel fills.
Match Your Situation
The Funding Gaps We Close for Longevity Clinics
Match your situation to the structure. Every one of these funds on your practice’s revenue, not a perfect credit file.
| What It Looks Like | Funding Solution | Amount | Speed | |
|---|---|---|---|---|
| The lab and build are cash out before the first member | Working capital funds the build and lab. | Working Capital | $75K–$5M+ | 1–3 days |
| Peptide inventory is bought ahead of billing | A working line floats the stock. | Business LOC | $75K–$5M+ | 1–5 days |
| A longevity membership matures slowly | Working capital funds the runway. | Working Capital | $75K–$5M+ | 1–3 days |
The Products
How Longevity Clinic Financing Is Structured
Most longevity-clinic files fund between $75K and $5M+, structured to the lab build, the regenerative stack, or the membership ramp in front of you. Larger lines available when revenue, cash flow, and story qualify.
| Amount | Term | Best For | Funding Speed | Typical Structure | |
|---|---|---|---|---|---|
| Working Capital | $75K–$5M+ | 6mo–10yr | Lab build, membership ramp, marketing | 1–3 days | Often unsecured, daily/weekly ACH |
| Equipment Financing | $75K–$5M+ | 2yr–7yr | Regenerative gear, biomarker lab, infusion chairs | 3–7 days | Device serves as collateral |
| Business LOC | $75K–$5M+ | Revolving | Peptide and compound inventory swings | 1–5 days | Unsecured line, no PG by default |
| Invoice Factoring | $75K–$5M+ | Per invoice | Membership-plan and processor receivables | 1–2 days | Receivables secure the line |
Tax Strategy
Section 179 on Regenerative & Lab Equipment — Worked
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
“Longevity medicine is the most defensible recurring revenue in aesthetics — and the slowest to stand up. It’s an in-house lab, a regenerative stack, and a membership panel that compounds beautifully once it’s full and burns cash for months while it fills. We fund the lab build, the equipment, and the runway on what the panel will bill, and §179 on the regenerative gear is more deduction than you put down, riding along. The capital that builds the clinic that signals serious, before the members who pay for it ever enroll.”
Bobby Friel · Founder · 20+ years in banking and finance
How It Works
From Application to Funded
One application, 70+ lenders competing, a dedicated specialist, and most files funded in days.
60-second estimate
Enter your numbers — no credit check, no documents. You see an estimated funding range on the spot.
A specialist is assigned
A real funding specialist — not an algorithm — reviews your file, usually within 24 hours.
70+ lenders compete
Your application goes to the marketplace. Competing offers typically land 24–48 hours later.
You pick the offer
Compare structures and terms with your advisor. No obligation until you choose to sign.
Funded in days
From same-day working capital to a multi-piece stack, most files fund in days — not the bank’s 60–90.
Underwriting
What Underwriting Looks At
Funding here leads with what your business actually does — your revenue and cash flow. The specialist desk reads the real picture from your statements, then matches it to the lenders most likely to fund it.
How you’re evaluated
Revenue-first
sized off your top line, not just your balance sheet.
Cash-flow driven
your bank statements show how the business really runs.
Bank-statement underwriting
even a down year is read off 4 months of statements.
Story-driven
a big new contract, a seasonal swing, a turnaround in progress: context the raw numbers miss counts too.
What to have ready
↳Had a loss year? It’s read off the bank statements — 4 months, not 6.
Start fast, finish complete
The operators who fund quickest come to the specialist review with these ready — but you don’t need all of it to start. Your signed application and bank statements are what unblock the review; the rest can follow as trailing docs. Real term sheets come once the lenders can see a true business overview, so the move is simple: get the application and statements in right away, and don’t let a missing tax return hold up your term sheets.
Credit, straight
Qualification
Who Gets Funded — and Who’s Not Ready Yet
A straight read saves everyone time — here’s the line between an anti-aging clinic file that funds and one that isn’t ready yet.
↳Time in business is a factor, not a gate — newer crews with strong revenue still qualify.
Not ready yet isn’t a no — it’s a checklist. Most of it is fixable in a quarter or two, and your advisor will tell you straight which gaps to fix before a file goes in.
The Operator's Guide
Anti-Aging & Longevity Clinic Financing
Diagnostics and Recurring Care, Built Before the Panel
What separates a longevity practice from a referral service is owning the diagnostics — an in-house lab for hormone panels and biomarkers — plus a regenerative stack of peptides, devices, and IV protocols. All of it is a five-figure outlay before the first result, and the membership panel that makes longevity the best recurring revenue in aesthetics is also the slowest to fill. We fund the lab build and the regenerative equipment on what the panel will bill, with a working line to float peptide inventory and the marketing runway that compounds the base.
One Application, 70+ Lenders
Whether it’s working capital for an in-house lab, equipment financing for regenerative and infusion gear, or a line for peptide inventory, we connect you with 70+ lenders who fund longevity and recurring-care practices every week. Working capital, equipment financing, lines of credit, and receivables advances — $75K to $5M+, on your revenue, with §179 writing off qualifying equipment the year it’s placed in service. One application, soft-pull review to start.
Common Questions
Anti-Aging Clinic Financing — Questions, Answered
Yes — working capital funds the lab and build so you own diagnostics from day one.
A working line floats the stock, repaid as the protocols bill.
Qualifying equipment placed in service can generally be written off the year it’s working; your CPA models it against your bracket.
A signed application plus four months of bank statements, a P&L, a balance sheet, and two years of returns. If recent years show losses, the specialist desk can underwrite on four months of bank statements.
If the membership model is proven and filling, working capital can fund the build against your trajectory, so the clinic is fully built when members enroll instead of catching up to demand.
Recommended Funding
The Products That Fit Anti-Aging Clinic Work
Working Capital Loans →
Fund the in-house lab build and the membership ramp while the panel fills.
Equipment Financing →
Finance the regenerative gear, biomarker lab, and infusion chairs — §179 included.
Business Line of Credit →
Draw to float peptide and compound inventory, repay as protocols bill.
Invoice Factoring →
Advance against membership-plan and processor receivables instead of waiting net-30.
Explore by service line