The Pinch Points
Why Multi-Location Operators Come to Us
The play is repeatable, but one location’s profit funds the next at a crawl while a competitor takes the territory and the lease window won’t wait for retained earnings. Our lenders read the group’s revenue. Sound familiar?
The Self-Funding Ceiling
One location nets maybe $150K–$300K a year in profit — enough to self-fund the next site every two to three years, while a competitor takes the territory now.
The Repeatable Per-Location Cost
Each new site is the same $150K–$300K — equipment, build-out, and months of ramp — deployed before that location bills.
The Ramp at Every Site
Every new location is $15K–$30K a month in payroll and marketing before its calendar matures.
The Centralized Systems
Scaling means a centralized booking, inventory, and back-office platform — a $20K–$50K build that grows with the footprint.
The Talent Ahead of the Doors
You hire and train injectors and staff before a location opens — $20K–$40K out ahead of the first booking.
The Window on a Location
The right second or third site comes available on a lease timeline that won’t wait for last quarter’s $200K profit to clear.
What an operator said
“We had the brand and the demand for a third location, but the second one’s profit wasn’t going to fund it for a year. Expansion financing let us open on the lease timeline — we’d have lost the spot otherwise.”
Alyssa M. · multi-location med spa group · San Diego, CA
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 Multi-Location Operators
Expansion Capital for Each Rollout
An expansion line underwrites every new branch — gear, fit-out, and breakeven runway — against the portfolio’s billing, not one unit’s leftover earnings.
Equipment Financing for the Per-Location Package
Equipment financing covers the required device kit at each branch, with the §179 deduction landing ahead of the down payment.
Working Capital for the Site Ramp
Working capital absorbs the staffing and demand-generation spend at a fresh branch until its book matures.
Capital for Centralized Systems
Financing stands up the scheduling, stock, and back-office platform that ties the whole portfolio together.
Match Your Situation
The Funding Gaps We Close for Multi-Location Operators
Match your situation to the structure. Every one of these funds on the group’s revenue, not a perfect credit file.
| What It Looks Like | Funding Solution | Amount | Speed | |
|---|---|---|---|---|
| One location’s profit funds the next too slowly | Expansion capital funds rollouts on group revenue. | Working Capital | $75K–$5M+ | 1–3 days |
| Each new site is six figures before it bills | Financing spreads the per-location package. | Equipment Financing | $75K–$5M+ | 3–7 days |
| A lease window won’t wait for retained earnings | Capital deploys when the site is available. | Working Capital | $75K–$5M+ | 1–3 days |
The Products
How Multi-Location Expansion Is Structured
Most multi-location files fund between $75K and $5M+, structured to the per-location rollout, the equipment package, or the site ramp 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 | Per-location rollouts, build-outs, site ramps | 1–3 days | Often unsecured, daily/weekly ACH |
| Equipment Financing | $75K–$5M+ | 2yr–7yr | Per-location device packages and chairs | 3–7 days | Device serves as collateral |
| Business LOC | $75K–$5M+ | Revolving | Group inventory and cross-site swings | 1–5 days | Unsecured line, no PG by default |
| Invoice Factoring | $75K–$5M+ | Per invoice | Group membership and processor receivables | 1–2 days | Receivables secure the line |
Tax Strategy
Section 179 on a Per-Location 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
“Scaling a med spa is a repeatable play — the same equipment package, build, and ramp at each new site. The only thing that makes it slow is capital: one location’s profit funds the next at a crawl while a competitor takes the territory you wanted. We fund each rollout on the group’s revenue, not on one site’s leftover profit, and §179 on each location’s equipment package is more deduction than you put down. The capital that lets you open the next location when the lease is available, not two years 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 a multi-location 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
Multi-Location Med Spa Expansion Financing
A Repeatable Play, Gated Only by Capital
Once the first location proves out, growth is a template — the same device package, the same build-out, the same months of ramp at each new site. The single constraint is capital: funding the next location from one site’s leftover profit moves at a crawl while a competitor signs the lease on the territory you wanted. We fund each rollout on the group’s revenue rather than a single site’s retained earnings, so the next location opens on the building’s timeline and the team is trained and in place before the doors do.
One Application, 70+ Lenders
Whether it’s expansion capital for a per-location rollout, equipment financing for each site’s device package, or working capital for the ramp and centralized systems, we connect you with 70+ lenders who fund multi-location operators every week. Working capital, equipment financing, lines of credit, and receivables advances — $75K to $5M+, on the group’s revenue, with §179 writing off each location’s qualifying package the year it’s placed in service. One application, soft-pull review to start.
Common Questions
Multi-Location Financing — Questions, Answered
Yes — expansion capital funds the equipment, build, and ramp on the group’s revenue.
Yes — equipment financing funds each site’s package with the §179 write-off ahead of the down payment.
Working capital carries payroll and marketing until the location’s calendar fills.
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.
Expansion financing funds the new site against the group’s revenue, so you secure the lease and open on the building’s timeline instead of waiting for one location to self-fund the next.
Recommended Funding
The Products That Fit Multi-Location Work
Working Capital Loans →
Fund each per-location rollout, build-out, and site ramp on the group’s revenue.
Equipment Financing →
Finance each site’s device package and chairs — §179 write-off included.
Business Line of Credit →
Draw for group inventory and cross-site swings, repay as the sites bill.
Invoice Factoring →
Advance against group membership and processor receivables instead of waiting net-30.
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