The Pinch Points
Why IV Clinics Come to Us for Capital
There’s no six-figure laser to point at, so a bank sees no collateral and passes — but the van, the inventory, and the membership runway are the real business. Our lenders read the cash-pay billing. Sound familiar?
The Mobile Unit Build
Concierge and event IV is where the margin is, but it takes a built-out mobile van — refrigeration, a prep station, inventory on board — a $50K+ build before the first house call.
Inventory You Buy Ahead
Vitamin compounds, fluids, and kits are bought by the case ahead of the bookings — a busy festival weekend can burn $8K–$15K in stock before the receipts clear your account.
The Membership Runway
A membership model is recurring gold once it’s full — but the first three to six months are $5K–$10K a month in marketing and capacity against a base that’s still filling.
The Second Van
A second built-out van is $50K–$70K, and on a peak weekend it’s the difference between booking the events and turning down $5K–$10K in bookings.
The Compounding-Pharmacy Buy-In
Stocking from a compounding source at a price that holds often means a $20K–$40K buy ahead — cash out before the drips bill.
The Storefront Before the Drips
A fixed drip-lounge location — the chairs, the build, the refrigeration — is $40K+ before the first membership sells.
What an operator said
“Our membership base was the whole goal, but it took months to fill and that runway was the scary part. The working capital carried marketing and staff until it matured — now the recurring revenue covers everything.”
Marcus B. · IV therapy clinic · Nashville, TN
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 IV Clinics
Equipment Financing for the Mobile Unit
Equipment financing funds the van build-out and prep station with §179 write-off ahead of the down payment.
A Working Line for Inventory & Kits
A working line floats the vitamin and fluid inventory so a busy weekend never runs you dry.
Working Capital for the Membership Ramp
Working capital carries marketing and capacity while the recurring base fills in.
Capital for the Second Van or Lounge
Financing adds a mobile unit or a fixed lounge so you capture the demand one location can’t.
Match Your Situation
The Funding Gaps We Close for IV Clinics
Match your situation to the structure. Every one of these funds on your clinic’s revenue, not a perfect credit file.
| What It Looks Like | Funding Solution | Amount | Speed | |
|---|---|---|---|---|
| Low equipment means little collateral to pledge | Revenue-based approval on cash-pay billing, not collateral. | Working Capital | $75K–$5M+ | 1–3 days |
| Inventory and kits are cash out before bookings | A working line floats the stock until the drips bill. | Business LOC | $75K–$5M+ | 1–5 days |
| A membership base takes months to fill | Working capital funds the runway while the base matures. | Working Capital | $75K–$5M+ | 1–3 days |
The Products
How IV Therapy Financing Is Structured
Most IV-clinic files fund between $75K and $5M+, structured to the mobile unit, inventory line, or lounge in front of you. Larger lines available when revenue, cash flow, and story qualify.
| Amount | Term | Best For | Funding Speed | Typical Structure | |
|---|---|---|---|---|---|
| Equipment Financing | $75K–$5M+ | 2yr–7yr | Mobile van build, prep station, refrigeration | 3–7 days | Device serves as collateral |
| Working Capital | $75K–$5M+ | 6mo–10yr | Membership ramp, marketing, second van | 1–3 days | Often unsecured, daily/weekly ACH |
| Business LOC | $75K–$5M+ | Revolving | Vitamin, fluid, and kit inventory swings | 1–5 days | Unsecured line, no PG by default |
| Invoice Factoring | $75K–$5M+ | Per invoice | Event-contract and corporate receivables | 1–2 days | Receivables secure the line |
Tax Strategy
Section 179 on a Mobile IV Build — 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
“IV therapy fooled a lot of lenders — there’s no six-figure laser to point at, so a bank sees no collateral and passes. But the business is real: it runs on a built-out mobile unit, the inventory you buy by the case, and the runway to fill a membership base that pays you back every month after. We fund the van and the float on what you actually bill, and §179 on the build-out is more deduction than you put down, a bonus on top. The capital that gets the second van on the road before the festival weekend, not after.”
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 iv therapy 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
IV Therapy & Drip Clinic Financing
A Volume Business the Banks Misread
IV therapy doesn’t look like a financeable business to a traditional bank — there’s no flagship machine to repossess, so the file gets passed. What the bank misses is where the money actually goes: a built-out mobile van for concierge and event work, the vitamin and fluid inventory bought by the case ahead of the bookings, and the marketing runway that fills a membership base into recurring revenue. Our lenders underwrite the cash-pay billing instead of the collateral, so the second van is on the road before the festival weekend, not the quarter after it.
One Application, 70+ Lenders
Whether it’s a $73K mobile-van build, a working line for vitamin and kit inventory, or working capital to fill a membership base, we connect you with 70+ lenders who fund cash-pay aesthetic practices every week. Equipment financing, working capital, lines of credit, and receivables advances — $75K to $5M+, on your revenue, with §179 writing off the qualifying van build the year it’s placed in service. One application, soft-pull review to start.
Common Questions
IV Therapy Financing — Questions, Answered
Yes — equipment financing covers the van and prep build, with the §179 write-off ahead of the down payment.
Yes; approval is revenue-based on your cash-pay billing, not collateral.
A working line floats the vitamin and fluid stock, repaid as the drips bill.
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 peak demand already outruns one unit, working capital can fund the second van against your current billing, so you capture the events now instead of growing into them slowly.
Recommended Funding
The Products That Fit IV Therapy Work
Equipment Financing →
Finance the mobile van build and prep station — §179 write-off included.
Working Capital Loans →
Carry the membership ramp, the marketing, and the second van on cash-pay revenue.
Business Line of Credit →
Draw for vitamin, fluid, and kit inventory, repay as the drips bill.
Invoice Factoring →
Advance against event-contract and corporate receivables instead of waiting net-30.
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