The Pinch Points
Why Laser Practices Come to Us Instead of the Vendor
You turn away the treatments your one platform can’t do, while the laser company finances your patients but not your practice. Our lenders read the bookings, not just the credit file. Sound familiar?
The Indication You Turn Away
A patient wants fractional CO2 resurfacing and your shop only runs a diode hair-removal platform, so you refer out a $3,500 treatment you could’ve kept. The second platform is $120K–$180K, and every month without it is revenue you hand the practice down the street.
The Vendor Finances Your Patient, Not You
The laser company offers patient financing all day — but ask to finance the $180K platform itself and it’s a lease on their terms or nothing. Your capital, your call, not theirs.
The Upgrade Cycle
Your flagship is four years old, the new generation treats faster with less downtime, and a competitor just installed one. Trading up is a $150K+ decision the manufacturer won’t structure around your cash flow.
The Suite, Not the Single
Serving every indication means CO2 plus diode plus IPL plus a vascular laser — a $300K+ build, not one machine. Buying them one at a time is years of turning patients away while you save up for the next.
Handpieces Between Pay Cycles
Handpieces wear, tips bill per treatment, and a cracked articulated arm is a $20K repair that can’t wait — but the revenue from the treatments that wore it lands net-30 from your card processor.
The Room Before the Revenue
A new platform needs a compliant treatment room — ventilation, eyewear, signage, finishes — $40K spent before the laser books its first patient.
What an operator said
“Our flagship laser was four years behind the practice across town and we felt it in the bookings. Financing the new platform — written off the same year — put us back ahead; the faster treatments alone repaid it inside a year.”
Dana R. · medical spa owner · 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 Aesthetic Laser Practices
Equipment Financing for the Platform
Equipment financing funds the laser or energy device with §179 write-off ahead of the down payment, sized on practice revenue, not the device’s resale value.
A Working Line for Suites & Upgrades
A working line builds the multi-platform suite or trades up a generation without draining the operating account between busy seasons.
Capital for the Treatment-Room Build-Out
Working capital funds the compliant room so the platform earns from day one instead of waiting on the build.
Same-Week Repair Funding
A working line or equipment financing covers a handpiece, arm, or chiller repair in days, so a down laser doesn’t cost you the schedule.
Match Your Situation
The Funding Gaps We Close for Laser 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 want two years of audited financials | Revenue and bank-statement underwriting; the practice’s story counts. | Working Capital | $75K–$5M+ | 1–3 days |
| The vendor’s lease locks you to their terms | Independent financing on your terms — and the §179 write-off is yours. | Equipment Financing | $75K–$5M+ | 3–7 days |
| Lenders hesitate on laser resale value | Approval is based on practice cash flow, not the device as collateral. | Equipment Financing | $75K–$5M+ | 3–7 days |
The Products
How Aesthetic Laser Financing Is Structured
Most laser-practice files fund between $75K and $5M+, structured to the platform, 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 | |
|---|---|---|---|---|---|
| Equipment Financing | $75K–$5M+ | 2yr–7yr | CO2, diode, IPL, and vascular platforms | 3–7 days | Device serves as collateral |
| Working Capital | $75K–$5M+ | 6mo–10yr | Room build-outs, handpieces, repairs | 1–3 days | Often unsecured, daily/weekly ACH |
| Business LOC | $75K–$5M+ | Revolving | Consumables and seasonal swings | 1–5 days | Unsecured line, no PG by default |
| Invoice Factoring | $75K–$5M+ | Per invoice | Packaged-plan and processor receivables | 1–2 days | Receivables secure the line |
Tax Strategy
Section 179 on a Multi-Platform Laser 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
“A laser practice is its platforms — the patient who books resurfacing isn’t the one booking hair removal, and you need a different device for each. Run the full suite — CO2, diode, IPL, vascular — and you’re looking at a $344K build the vendor will finance for your patients but not for you. Put a fraction down, finance the rest, and §179 writes off the full $344K the year it’s booking treatments — more deduction than you put down, on equipment a busy practice pays back in well under a year. The suite that treats every patient and cuts the tax bill, same year.”
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 laser services 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
Aesthetic Laser & Energy-Device Financing
One Laser Can’t Treat Every Patient
Hair removal, resurfacing, pigment, and vascular work each want a different platform, and each is a six-figure buy. A practice that runs one device refers out every indication it can’t treat — a $3,500 resurfacing patient handed to the shop down the street. The way you keep that revenue is the multi-platform suite, and the device makers will finance the treatments for your patients but not the platforms for your practice. Our lenders underwrite on the bookings and the deposits, so the second platform goes in on practice revenue, not on what a bank thinks a used laser resells for.
One Application, 70+ Lenders
Whether it’s a $150K CO2 platform, a full $344K suite built over a season, or a working line for a $40K compliant room, we connect you with 70+ lenders who fund aesthetic practices every week. Equipment financing, working capital, lines of credit, and receivables advances — $75K to $5M+, on your revenue, with §179 writing off qualifying devices the year they’re placed in service. One application, soft-pull review to start.
Common Questions
Laser Services Financing — Questions, Answered
Yes — funding is underwritten on revenue and cash flow, so a six-figure platform doesn’t hinge on what a lender thinks it’ll resell for.
A working line lets you add platforms as the practice grows, instead of fronting a $300K suite at once or buying one machine a year while turning patients away.
In most cases a qualifying device placed in service can be fully written off the year it’s working — often more deduction than your down payment. 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 newer platform books faster treatments and competitors already run one, the math usually favors trading up now and writing off the new unit this year rather than waiting out depreciation while losing speed.
Recommended Funding
The Products That Fit Laser Services Work
Equipment Financing →
Finance lasers and energy devices — the platform itself is the collateral, §179 write-off included.
Working Capital Loans →
Fund the compliant room, handpieces, and repairs so a new platform earns from day one.
Business Line of Credit →
Draw for consumables and seasonal swings, repay as treatments book.
Invoice Factoring →
Advance against packaged-plan and processor receivables instead of waiting on net-30.
Explore by service line