The Pinch Points
Why Franchisees Come to Us for the Launch
A franchise location isn’t one line item — fee, equipment package, build, and months of ramp stack into a six-figure launch before the doors open, and underestimating the FDD’s working capital is how good locations stall. Sound familiar?
The Whole-Unit Cost
A franchise location isn’t one line item — franchise fee, equipment package, build-out, and ramp capital stack into a $250K–$450K launch before the doors open.
The Required Equipment Package
The franchisor specifies the devices and the build, and there’s no buying it piecemeal — the package runs $100K–$200K, due to open on brand.
The Ramp to Breakeven
A new location takes months to fill its calendar; that’s $15K–$30K a month in payroll, product, and marketing before the revenue catches up.
The Build to Brand Standard
The franchisor’s build spec — finishes, layout, signage — is non-negotiable and front-loaded: $80K–$180K spent before the first booking.
The Second Unit’s Capital
The model works and you want the next territory, but each unit is the same $250K–$450K launch again, faster than one location’s profit can fund it.
The Working Capital the FDD Recommends
The FDD Item 7 spells out $50K–$150K in working capital you need on hand to open and operate — and underestimating it is how good locations stall in month three.
What an operator said
“We opened our first franchise unit fully funded — fee, equipment, and three months of ramp — instead of scraping it together. We hit breakeven a month ahead and we’re already funding territory two.”
James W. · med spa franchisee · Tampa, FL
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 Med Spa Franchisees
Capital for the Full Unit Launch
Financing funds the franchise fee, equipment, build, and ramp as one launch package sized to the model.
Equipment Financing for the Required Package
Equipment financing funds the franchisor-specified devices with §179 write-off ahead of the down payment.
Working Capital for the Ramp
Working capital carries payroll, product, and marketing until the new location’s calendar fills.
A Line for the Next Territory
Financing funds the next unit’s launch before the first location’s profit could, so expansion doesn’t wait.
Match Your Situation
The Funding Gaps We Close for Med Spa Franchisees
Match your situation to the structure. Every one of these funds on the model’s revenue, not a perfect credit file.
| What It Looks Like | Funding Solution | Amount | Speed | |
|---|---|---|---|---|
| The whole unit is cash out before opening | Financing funds the full launch package. | Working Capital | $75K–$5M+ | 1–3 days |
| The equipment package is due on brand, up front | Equipment financing spreads it, §179 to you. | Equipment Financing | $75K–$5M+ | 3–7 days |
| Ramp to breakeven takes months | Working capital carries the runway. | Working Capital | $75K–$5M+ | 1–3 days |
The Products
How Med Spa Franchise Financing Is Structured
Most franchise-unit files fund between $75K and $5M+, structured to the launch package, the equipment, or the ramp 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 | Franchisor-specified device and energy package | 3–7 days | Device serves as collateral |
| Working Capital | $75K–$5M+ | 6mo–10yr | Franchise fee, build-out, ramp to breakeven | 1–3 days | Often unsecured, daily/weekly ACH |
| Business LOC | $75K–$5M+ | Revolving | Opening inventory and operating swings | 1–5 days | Unsecured line, no PG by default |
| Invoice Factoring | $75K–$5M+ | Per invoice | Membership-plan and processor receivables | 1–2 days | Receivables secure the line |
Tax Strategy
Section 179 on the Franchise Equipment Package — 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 med spa franchise isn’t an equipment purchase — it’s a whole-unit launch: franchise fee, the required device package, the brand-spec build, and the months of ramp capital before the calendar fills. Underestimate the working capital the FDD spells out and a good location stalls in month three. We fund the launch as one package sized to the model’s projections, with §179 on the equipment package as more deduction than you put down. The capital that opens the unit fully funded, and the next territory before the first one’s profit could carry it.”
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 medspa franchise 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
Med Spa Franchise Financing
A Whole-Unit Launch, Not an Equipment Buy
A franchise location is a defined but front-loaded package — the franchise fee, the franchisor’s required device build, the brand-spec finishes, and the months of working capital it takes to ramp a new calendar to breakeven. The equipment is only one line item; underestimate the working capital the FDD spells out and a strong location stalls in month three with the doors open and the calendar still filling. We fund the launch as one package sized to the model’s projections, so the unit opens fully funded with ramp runway intact.
One Application, 70+ Lenders
Whether it’s equipment financing for the required device package, working capital for the build and ramp, or capital for the next territory, we connect you with 70+ lenders who fund franchise launches every week. Equipment financing, working capital, lines of credit, and receivables advances — $75K to $5M+, on the model’s revenue, with §179 writing off the qualifying equipment package the year it’s placed in service. One application, soft-pull review to start.
Common Questions
MedSpa Franchise Financing — Questions, Answered
Yes — financing funds the franchise fee, equipment, build, and ramp as one package sized to the model.
Yes — the specified devices, with the §179 write-off ahead of the down payment.
Working capital carries payroll, product, and marketing until the calendar fills.
A signed application plus four months of bank statements, a P&L, a balance sheet, and two years of returns; for a first unit the FDD and projections help. If recent years show losses, the specialist desk can underwrite on four months of bank statements.
Expansion financing can fund the next unit’s launch against the proven model and your billing, so you secure the territory now instead of waiting years to self-fund it.
Recommended Funding
The Products That Fit MedSpa Franchise Work
Equipment Financing →
Finance the franchisor-specified device package — §179 write-off included.
Working Capital Loans →
Fund the franchise fee, build-out, and the ramp to breakeven as one package.
Business Line of Credit →
Draw for opening inventory and operating swings as the calendar fills.
Invoice Factoring →
Advance against membership-plan and processor receivables instead of waiting net-30.
Explore by service line