The Pinch Points
Why Hair Restoration Practices Come to Us
A staff-heavy FUE case pays on completion, not when you staff it, and the cases book in waves while the slow month still carries the team and the lease. Our lenders read the cycle. Sound familiar?
The Staffed Procedure
An FUE transplant runs a long day with a 3–5 person team — $1,500–$3,000 in labor and supplies — all paid before the high-ticket case settles.
The Suite Build
Surgical instruments, a $22K PRP centrifuge, and the sterile room are a $75K–$150K build before the first graft.
The High-Ticket Cycle
Cases run $8K–$15K each, but they book in waves; a slow month still carries the team and the lease the busy month needs ready.
The PRP and Add-On Stack
PRP, $18K LLLT caps, and the topical regimen are the recurring add-ons that keep patients in the chair — each a device or inventory buy up front.
The Consultation-to-Case Lag
Patients consult, then schedule weeks out — so the $3K–$8K a month in marketing and consult capacity you fund now bills as cases months later.
The Second Team
Growing past one operator’s calendar means a second trained team — $15K–$30K a month in payroll and training before the added cases fill in.
What an operator said
“Our cases come in waves, and the slow stretches were brutal on payroll for a trained team. The working line carried us between waves — we kept the team and our case volume climbed.”
Dr. Patel · hair restoration practice · Houston, 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 Hair Restoration Practices
A Working Line for the Procedure Team
A working line floats the team, supplies, and suite costs so a high-ticket case doesn’t strain cash before it settles.
Equipment Financing for the Suite
Equipment financing funds the PRP centrifuge, instruments, and LLLT with §179 write-off ahead of the down payment.
Working Capital for the Consult Pipeline
Working capital carries marketing and consult capacity while booked cases convert weeks later.
Capital to Add a Second Team
Financing covers payroll and training while a second team’s calendar fills.
Match Your Situation
The Funding Gaps We Close for Hair Restoration 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 | |
|---|---|---|---|---|
| Staff-heavy cases pay on completion, not setup | A working line floats the team and supplies. | Working Capital | $75K–$5M+ | 1–3 days |
| The suite build is cash out before the first graft | Equipment financing funds it, §179 to you. | Equipment Financing | $75K–$5M+ | 3–7 days |
| Cases book in waves; the slow month still carries cost | Working capital smooths the cycle. | Working Capital | $75K–$5M+ | 1–3 days |
The Products
How Hair Restoration Financing Is Structured
Most hair-restoration files fund between $75K and $5M+, structured to the procedure suite, the team float, or the second team 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 | Procedure team float, consult pipeline, second team | 1–3 days | Often unsecured, daily/weekly ACH |
| Equipment Financing | $75K–$5M+ | 2yr–7yr | Microsurgery instruments, PRP centrifuge, LLLT | 3–7 days | Device serves as collateral |
| Business LOC | $75K–$5M+ | Revolving | Supplies and the slow-month payroll cycle | 1–5 days | Unsecured line, no PG by default |
| Invoice Factoring | $75K–$5M+ | Per invoice | Financed-case and processor receivables | 1–2 days | Receivables secure the line |
Tax Strategy
Section 179 on a Transplant Suite — 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
“Hair restoration is one of the few aesthetic services that’s really a surgical business — an FUE case is a long day with a trained team, and the five-figure case pays on completion, not when you staff it. The suite, the centrifuge, the instruments are a real build, and the slow month still carries the team the busy month needs ready. We fund the suite and float the team on what the cases bill, and the §179 on the suite is more deduction than you put down, found money. The capital that keeps a trained team intact between the waves.”
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 hair restoration 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
Hair Restoration & Transplant Practice Financing
A Surgical Business That Pays on Completion
An FUE transplant is a long day with a trained team — technicians, supplies, a sterile suite — and the five-figure case settles on completion, not when you staffed and stocked for it. Cases book in waves, so a slow month still carries the team and the lease that the busy month needs ready, and losing a trained team in the lull means rebuilding it before the next wave. A working line floats the team and supplies between cases while equipment financing funds the suite, so the cash strain never costs you the people the work depends on.
One Application, 70+ Lenders
Whether it’s a working line to carry a trained team through a slow stretch, equipment financing for the centrifuge and instruments, or capital to add a second team, we connect you with 70+ lenders who fund procedure-based practices every week. Working capital, equipment financing, lines of credit, and receivables advances — $75K to $5M+, on your revenue, with §179 writing off the qualifying suite the year it’s placed in service. One application, soft-pull review to start.
Common Questions
Hair Restoration Financing — Questions, Answered
Yes — a working line carries the team and supplies until the high-ticket case settles.
Equipment financing funds the instruments and centrifuge; working capital covers the room.
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.
A working line smooths the cycle, floating payroll through the slow stretch so you keep a trained team ready for the next wave instead of rebuilding it.
Recommended Funding
The Products That Fit Hair Restoration Work
Working Capital Loans →
Float the procedure team and supplies through the waves until the case settles.
Equipment Financing →
Finance the PRP centrifuge, instruments, and LLLT — §179 write-off included.
Business Line of Credit →
Draw to cover the slow-month payroll cycle, repay as cases settle.
Invoice Factoring →
Advance against financed-case and processor receivables instead of waiting net-30.
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