Injectable practices are the backbone of med spa revenue — Botox alone generates $4.4 billion annually in the U.S. But maintaining inventory of Botox, Dysport, Juvederm, Restylane, and Sculptra costs $20K-$50K/month depending on volume. Between inventory cycles, injector hiring costs, and the marketing needed to keep chairs full — injectable clinics need capital that moves as fast as their business.
Larger lines available when revenue, cash flow, and story qualify.
This Is Why You're Here
You need $30K in Botox and filler inventory for a promotional event that will generate $80K in treatments over 2 days. Your supplier wants prepayment.
A nurse injector with a $15K/month book of business is available immediately. Signing bonus, relocation, and 2 months of salary total $35K.
Your Google Ads are converting at 8:1 ROI but you capped your budget at $3K/month because cash is tied up in inventory. You're leaving $60K/year on the table.
Allergan just offered you tier-3 pricing on Juvederm — 18% discount — but only if you commit to a $45K order by Friday. You don't have the cash on hand, and passing means paying full price for the next 6 months.
Your lead injector quit and took 40% of her patients to a competitor across town. You need $25K for a recruiting firm, signing bonus, and a patient-retention marketing blitz before you lose the rest of the book.
We needed $45K for a Botox and filler inventory push before our summer promo. Basecamp funded it in 2 days — we did $120K in treatments that month and paid it back before the first due date.
Jessica R., Injectable Clinic Owner, Nashville, TN
Botox & Injectables Financing
Slide the calculator to see your estimated approval range. Then answer 3 quick questions to lock it in. No documents needed. Soft-pull pre-qual.
Built for Your Business
Botox has a shelf life. Dysport has a shelf life. Your bank takes 6 weeks to approve a $30K inventory line while product expires on the shelf. We fund injectable inventory in 48 hours so you never run dry mid-month.
Allergan and Galderma require minimum order quantities. Miss the threshold and you lose tier pricing. We fund bulk buys so you hit every rebate bracket and keep your per-unit cost down.
A nurse injector with a $20K/month book walks in with an offer from a competitor. You need a $15K counter-offer today, not in 3 weeks. We fund retention packages fast enough to keep your best providers.
A Botox party or filler event generates $50K-$80K in a weekend. But you need $25K in product before the first patient sits down. We fund event inventory so your biggest revenue days actually happen.
Bobby's Take
Most botox and injectables practice owners learn quickly that bank lenders evaluate them like consumer borrowers — personal FICO first, practice cash flow second. The lenders who actually fund injectables practices don't start with FICO. They start with your $12-per-unit ASP, monthly Botox reorder velocity, and recurring patient cycles. The difference is whether your file gets evaluated as a small business or as a credit-card application. Here's how to position your transaction so the right specialists see it first.
Three things determine whether a botox and injectables transaction closes: provider productivity (units per session, sessions per week), your supplier-account standing with Allergan or Galderma, and patient-retention metrics. Not your personal FICO alone. Not your time in business. Specialist injectables lenders care about whether your provider's weekly unit volume supports a $1,200-$2,500/month payment — and whether your retention rate signals a recurring revenue base rather than one-and-done patients.
The biggest mistake injectables operators make: applying without distinguishing recurring patient revenue from new-patient revenue on their reports. The lender sees blended revenue and prices to the variability. The fix: produce a patient-cohort summary showing the percentage of monthly revenue from patients on a 3-month or 4-month re-treatment cycle. Specialist injectables lenders price recurring patients as predictable. Generalist lenders treat all patient revenue as transactional.
patient revenue deferred when a single injection room caps bookings
Where this gets interesting at scale: a botox and injectables practice adding a treatment room or expanding into broader aesthetic services doesn't need ONE loan. They need equipment financing for the new room buildout + a working capital line for product inventory floats with Allergan or Galderma + a revenue-based term loan for a second-location lease (see /loans/business-acquisition). Three products, three lenders, one application — that's how single-room injectables practices scale into multi-room aesthetic clinics without burning out reserves on inventory.
The injectables operators who scale fastest aren't the ones who waited for the bank to understand cosmetic medicine. They're the ones who had a second injection room or a second provider ready when patient demand outpaced single-provider capacity. Capping bookings because you can't add capacity is $15,000-$30,000 a month in deferred patient revenue. Run the numbers in 60 seconds — see what 70+ specialist lenders will offer your botox and injectables practice this week.
💡Bottom line:
Injectables practices get underwritten on transactional revenue when 3-month re-treatment patients are the actual recurring base. Show cohort retention on the file — that's how a specialist sees the predictable income.
Bobby Friel
Founder, Basecamp Funding
What You're Up Against
| Challenge | What It Looks Like | Funding Solution | Amount | Speed |
|---|---|---|---|---|
| Botox expires 24 hours after reconstitution | Once reconstituted, Botox must be used within 24 hours or discarded. Overstocking means waste; understocking means turning away walk-ins. | Working capital for just-in-time inventory replenishment | $10K–$50K | 1–2 days |
| Seasonal demand peaks (wedding season, holidays) | Injectable demand spikes 40-60% before weddings, holidays, and summer. You need double inventory and extra injectors for 8-12 weeks. | Line of credit to scale inventory and temp staffing | $25K–$100K | Pre-approved, draw as needed |
| Allergan/Galderma minimum order requirements | Tier pricing requires $30K-$50K minimum orders. Missing the threshold means paying 15-20% more per unit for the next quarter. | Working capital to hit supplier tier thresholds | $30K–$75K | 1–3 days |
| Injector recruitment and retention | Top nurse injectors command $15K signing bonuses and $120K+ salaries. Losing one means losing $15K-$20K/month in treatment revenue. | Working capital for signing bonuses and salary bridges | $25K–$80K | 1–3 days |
| Patient financing program setup | Offering in-house financing or partnering with patient lending platforms requires $10K-$20K in setup and marketing to drive higher case acceptance. | Working capital for program launch and marketing | $10K–$30K | 1–3 days |
Pricing Transparency
| Product | Amount | Term | Best For | Funding Speed | Typical Structure |
|---|---|---|---|---|---|
| Aesthetic Equipment Financing | $10K-$2M | 3-7yr | Lasers, body contouring, IPL, RF, microneedling platforms | 3-5 days | Equipment serves as collateral, often no down payment |
| Practice Working Capital | $10K-$1M | 6mo-3yr | Injectable inventory, payroll, marketing campaigns | 1-3 days | Often unsecured, daily/weekly ACH |
| Practice Acquisition / Second Location | $100K-$5M | 5-10yr | Buying into a med-spa, opening additional rooms or locations | 30-60 days | SBA-backed, PG required, lower rates |
| Business Line of Credit | $25K-$2M | Revolving | Recurring product orders, seasonal campaign swings | 1-5 days | PG common, draw as needed |
| SBA 7(a) for Buildout | $50K-$5M | 10-25yr | New treatment rooms, second location, equipment package | 30-60 days | PG required, lowest rates, longest terms |
Rates and terms depend on credit, revenue, time in business, and lender. Every business is unique — see what 70+ lenders will offer you in 60 seconds. Soft-pull pre-qual.
These are industry averages. Your actual rate depends on your revenue, credit profile, and time in business — it could be lower. Run your specific numbers in 30 seconds.
Calculate Your Real Cost →Tax Strategy
| Equipment | Cost | Tax Rate | Deduction | Tax Savings | Net Cost |
|---|---|---|---|---|---|
| Cannula and injection system | $8,000 | 35% | $8,000 | $2,800 | $5,200 |
| Treatment chairs (x4) | $16,000 | 35% | $16,000 | $5,600 | $10,400 |
| Medical-grade refrigeration | $12,000 | 35% | $12,000 | $4,200 | $7,800 |
Finance the equipment. Keep your cash. Take the deduction. Your treatment chairs (x4) costs $10,400 after taxes and you never touched your reserves.

Bobby Friel
Founder, Basecamp Funding
How It Works
No paperwork avalanche. No bank lobby. No guessing.
Tell us about your med-spa, services offered, and monthly revenue. No patient data or P&L upload.
We screen options with no impact on personal FICO or practice commercial credit.
70+ lenders who fund med-spas, laser practices, and aesthetics review your file in parallel.
Your funding specialist walks through equipment finance, working capital, and acquisition structures.
E-signature. Capital lands in time to install lasers, stock injectables, or open the second location.
Botox & Injectables Capital Uses
IPL, fractional CO2, Nd:YAG, diode. Fund the next-gen platform without draining your operating account.
Botox, Dysport, Juvederm, Restylane, Sculptra. Buy in bulk for better margins. Never turn clients away.
Treatment rooms, reception areas, Instagrammable spaces. Create the premium experience your clients expect.
CoolSculpting, Emsculpt, RF body tightening, laser lipo. High-ticket services that pay for themselves.
Licensed aestheticians, RNs, NPs, front desk. Fund hiring and certification programs.
Instagram ads, Google Ads, influencer partnerships, before/after content, loyalty programs.
Full Transparency
Most lenders won't tell you this upfront. We will.
Need commercial insurance for your botox & injectables business?
Medical malpractice and business property coverage are required before most equipment financing closes. InsuranceService365.com covers med spas across 29 states.
Aesthetic equipment is the fastest-payback category in healthcare — but only if the equipment is installed before the next promotional cycle. The practices that scale funded the laser, the body-contouring platform, or the second-room buildout BEFORE the next campaign launched. Pre-qualify when revenue is steady — that's when lenders structure the friendliest terms.
Ready?
Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.
Click any specialty for tailored financing options.
Recommended Products
Fund injectable inventory, marketing, and payroll. Funded same day.
Learn More →Finance lasers, body contouring devices, and platforms — asset-backed.
Learn More →New location buildout or practice acquisition at government-backed rates.
Learn More →Revolving access for Botox, filler, and supply inventory.
Learn More →FAQs
Here's the thing about injectable practices. Your biggest expense isn't rent or payroll — it's product. $20K-$50K a month in Botox, Dysport, Juvederm, Restylane. And your supplier doesn't care that your patients pay next week. They want payment now. So you're constantly floating $30K-$40K between buying product and collecting revenue. Banks don't get that cycle. They see 'inventory' and think you're a retail store. We see a practice doing $80K in treatments a month that needs $35K to keep the chairs full.
Look. If you're rationing Botox because cash is tight, you're losing patients. If you're turning down a nurse injector with a $15K/month book because you can't fund the signing bonus, you're leaving money on the table. One application. 70+ lenders. Soft-pull pre-qual. Most injectable practices hear back the same day.
60 seconds. Soft-pull pre-qual. No obligation.
See What You Qualify For →Soft-pull pre-qual · Free to check · Nationwide