The Pinch Points
Why Injectable Practices Come to Us for Capital
You front six figures of perishable Botox and filler against bookings that haven’t happened yet, and a bank sees a consumable instead of collateral. Our lenders read the billing. Sound familiar?
Inventory Before the Patient
You buy Botox and filler by the case weeks before the patients who’ll get it ever book — a busy injectables practice carries $30K–$60K in perishable product at any given time, fronted against bookings that haven’t happened yet.
The Spike You Can’t Stock For
Wedding season or a viral month doubles demand, and you need to double the next order — an extra $15K–$25K in product for the season — exactly when last month’s receivables are still landing net-30.
Out of Stock Is a Walked Patient
Run out of a popular filler mid-week and the patient doesn’t reschedule — a single missed appointment is $600–$1,200 in treatment revenue, and they take the next year of visits to the practice that had it in stock.
The Manufacturer Rebate Tier
Hitting the next manufacturer purchasing tier can mean a $40K–$80K quarterly commit — but the rebate is 5–10% back, real margin you only capture if the cash is there.
The Second Injector’s Ramp
You hire an injector to grow capacity, but they need $10K–$20K in product and a few months of bookings before they cover their own salary — payroll out before revenue in.
The Room Before the Revenue
A new injection suite — chairs, pharmaceutical-grade refrigeration, the build — is $40K+ spent before the first vial is drawn.
What an operator said
“We could never hit the rebate tier because the big quarterly buy was more cash than we had on hand. The line let us commit to the volume — the rebate alone covers the cost of the financing.”
Renee A. · injectables practice · Dallas, TX
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 Injectable Practices
A Revolving Inventory Line
A revolving line fronts the Botox and filler so you’re never out of stock, repaid as the treatments bill.
Working Capital for Purchasing Tiers
Working capital funds the larger buy that unlocks a manufacturer rebate, turning a cash-flow ceiling into margin.
Capital for the Injection Suite
Working capital funds the chairs, refrigeration, and build-out so a new room earns from day one.
A Line to Ramp a New Injector
A working line carries the product and payroll while a new injector’s book fills in.
Match Your Situation
The Funding Gaps We Close for Injectable Practices
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 | |
|---|---|---|---|---|
| Banks see consumable inventory, not collateral | Revenue-based line against your billing, not the product as collateral. | Business LOC | $75K–$5M+ | 1–5 days |
| A stockout sends the patient elsewhere | Inventory line keeps the popular product on the shelf. | Working Capital | $75K–$5M+ | 1–3 days |
| Rebate tiers need cash you haven’t billed yet | Working capital funds the buy and captures the margin. | Working Capital | $75K–$5M+ | 1–3 days |
The Products
How Injectable Practice Financing Is Structured
Most injectable-practice files fund between $75K and $5M+, structured to the inventory line, suite, or room 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 | Inventory buys, rebate tiers, injector ramps | 1–3 days | Often unsecured, daily/weekly ACH |
| Business LOC | $75K–$5M+ | Revolving | Botox and filler restocks, seasonal swings | 1–5 days | Unsecured line, no PG by default |
| Equipment Financing | $75K–$5M+ | 2yr–7yr | Chairs, refrigeration, injection systems | 3–7 days | Device serves as collateral |
| Invoice Factoring | $75K–$5M+ | Per invoice | Packaged-plan and processor receivables | 1–2 days | Receivables secure the line |
Tax Strategy
Section 179 on Injectable-Suite 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
“Injectables is an inventory business in a medical coat — you front the Botox and filler by the case, weeks before the patients who’ll get it ever book. The good months are the dangerous ones: demand spikes, you need to double the next order, and the cash is still tied up in last month’s receivables. A revolving inventory line keeps you stocked so you never turn a patient away for being out — and the §179 write-off on the chairs and pharmaceutical-grade refrigeration is more deduction than you put down, a bonus on top, not the pitch. The line that carries you through the busy season, funded on what you book.”
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 a botox & injectables 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
Botox, Filler & Injectable Practice Financing
An Inventory Business in a Medical Coat
An injectable practice lives or dies on the shelf. Neurotoxin and filler are bought by the case, upfront, against bookings that haven’t landed — and the busiest months are exactly when the next order has to double while last month’s receipts are still net-30 at the processor. Run short on a popular filler and the patient doesn’t wait; they book the practice that had it. A revolving inventory line keeps the product on the shelf through the spike, repaid as the treatments bill, so a slow restock never costs you a booked week or the referrals that follow it.
One Application, 70+ Lenders
Whether it’s an inventory line sized to your monthly product spend, working capital to hit a rebate tier, or financing for a new injection suite, we connect you with 70+ lenders who fund aesthetic practices every week. Working capital, lines of credit, equipment financing, 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
Botox & Injectables Financing — Questions, Answered
Yes — a revolving line sized to your product spend, repaid as the treatments bill.
No — it’s underwritten on practice revenue and cash flow, not the product as collateral.
Working capital can fund the suite alongside the inventory line.
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.
An inventory line fronts the bigger seasonal buy so you stock ahead of the spike and repay as treatments bill, instead of rationing product in your best month.
Recommended Funding
The Products That Fit Botox & Injectables Work
Working Capital Loans →
Fund the inventory buy, the rebate tier, and the injector ramp on practice revenue.
Business Line of Credit →
Draw to restock Botox and filler through the busy season, repay as treatments bill.
Equipment Financing →
Finance the chairs, refrigeration, and injection systems — §179 write-off included.
Invoice Factoring →
Advance against packaged-plan and processor receivables instead of waiting on net-30.
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