This Is Why You're Here
Why Multi-Locations Come to Us Instead of Their Bank
Location 1 does $80K/month. Location 2 build-out, equipment, and launch capital total $300K. The new market has zero direct competitors within 10 miles.
You're acquiring a competitor's practice — 800 patients, 3 devices, and a fully built-out space for $250K. Integration costs another $30K for rebranding and marketing.
Your 3rd location needs a full device suite — CoolSculpting, Morpheus8, and a diode laser. Equipment total: $280K. Financing all three under one facility saves on rates.
Your landlord at location 1 is raising rent 30% at renewal. A $180K build-out in a better space 2 miles away would cut your rent by $2K/month and give you 800 more square feet. But you need to move in 60 days or sign the overpriced lease.
You just hired a medical director for location 2 but she can't start for 45 days. Payroll, insurance, and credentialing costs are $18K before she sees her first patient — and location 2 is burning $6K/month in overhead while ramping up.
Acquired a competitor's 2-location med spa for $250K through Basecamp's SBA lending network. Closed in 24 days. Combined revenue across all 4 locations hit $320K/month within 6 months of the acquisition.
Dr. Nathan F., Multi-Location Med Spa Owner, Phoenix, AZ
Multi-Location Financing
Get Your Multi-Location Business Funded in 60 Seconds
Slide the calculator to see your estimated approval range. Then answer 3 quick questions to lock it in. No documents needed. Soft-pull pre-qual.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
Soft-pull pre-qual · No obligation · Estimate only
Built for Your Business
Why Multi-Location Businesses Choose Basecamp
Location 2 Build-Out Is a $300K+ Project
Lease, build-out, equipment, staff, marketing — a second location runs $300K-$700K total. And your bank wants to underwrite it like a startup even though location 1 does $80K/month. We underwrite based on your proven performance.
Acquisitions Move Fast or Not at All
A competitor closing? Their patient list and equipment are worth $200K-$400K. But the transaction closes in 30 days or it's gone. Bank SBA takes 3-4 months. Revenue-based capital stacking closes in 21-30 days against your existing locations' combined deposits — see /loans/business-acquisition.
Staffing Two Locations Doubles Payroll Overnight
Location 2 needs a medical director, 2-3 providers, front desk, and marketing — $30K-$50K/month in new payroll before the patient volume catches up. We fund the 90-day staffing ramp so payroll doesn't drain location 1.
Centralized Systems Cost Real Money
Multi-location means shared EMR, centralized scheduling, unified marketing, and standardized training. That infrastructure costs $20K-$40K to set up. Banks don't fund software and systems. We fund the operational backbone that makes scaling possible.
Bobby's Take
Bobby's Playbook for Multi-Location
Most multi-location med spa owners learn quickly that bank lenders evaluate them like consumer borrowers — personal FICO first, practice cash flow second. The lenders who actually fund multi-location aesthetic groups don't start with FICO. They start with portfolio-level cash flow, shared-overhead efficiencies, and per-location contribution margin. The difference is whether your file gets evaluated as a small business or as a credit-card application. Here's how to position your transaction so the right specialists see it first.
Three things determine whether a multi-location med spa transaction closes: portfolio-wide trailing 12-month revenue, per-unit profitability ranking, and your management-team depth (regional director, ops manager, etc.). Not just any single guarantor's FICO. Not just one unit's history. Specialist multi-location lenders care about whether portfolio revenue supports adding $5,000-$9,000/month in new debt service — and whether your management bench can run the new unit without pulling resources from the strongest existing units.
The biggest mistake multi-location operators make: applying with consolidated financials only, with no per-unit breakdown. The lender can't tell which unit is the strongest contributor and prices conservatively against the weakest. The fix: produce per-unit P&Ls alongside the consolidated number. Specialist multi-location lenders price the strongest units as low-risk. Generalist lenders see the consolidated number and underwrite to the average.
revenue lost when the next location waits on the previous to stabilize
Where this gets interesting at scale: a multi-location med spa adding two new units in a year doesn't need ONE loan. They need an enterprise equipment facility for both units' device fit-outs + a working capital line for the joint launch + a revenue-based term loan against portfolio-wide cash flow to cover both buildouts + sometimes a corporate revolving line of credit for the parent entity. Four products, multiple lenders, one application — that's how 3-location med spas climb to 7 or 10 locations without each location's launch competing for the same reserves.
The multi-location med spa operators who scale fastest aren't the ones who waited until the previous launch was fully stabilized. They're the ones who had the equipment, the lease, and the management hire lined up before the next territory's competitive window closed. Every quarter you delay opening the next location is $80,000-$200,000 in revenue you don't get back. Run the numbers in 60 seconds — see what 70+ specialist lenders will offer your multi-location med spa group this week.
Bottom line:
Multi-location med spas don't scale on consolidated financials. They scale on per-unit P&Ls that show the strongest contributors — that's how a specialist prices the portfolio's actual cash flow.
Bobby Friel
Founder, Basecamp Funding
What You're Up Against
The Real Challenges Multi-Locations Face
Pricing Transparency
What Multi-Location Funding Actually Costs
Rates and terms depend on credit, revenue, time in business, and lender. Every business is unique — see what 70+ lenders will offer you in 60 seconds. Soft-pull pre-qual.
These are industry averages. Your actual rate depends on your revenue, credit profile, and time in business — it could be lower. Run your specific numbers in 30 seconds.
Calculate Your Real Cost →Tax Strategy
Section 179 Breakdown for Multi-Locations
Finance the equipment. Keep your cash. Take the deduction. Your equipment package per location costs $57,000 after taxes and you never touched your reserves.
Bobby Friel
Founder, Basecamp Funding
How It Works
From Application to Funded in 5 Steps
No paperwork avalanche. No bank lobby. No guessing.
60-Second Intake
Tell us about your med-spa, services offered, and monthly revenue. No patient data or P&L upload.
Soft Credit Screen
We screen options with no impact on personal FICO or practice commercial credit.
Aesthetic-Specialty Lenders Compete
70+ lenders who fund med-spas, laser practices, and aesthetics review your file in parallel.
One Specialist, Multiple Term Sheets
Your funding specialist walks through equipment finance, working capital, and acquisition structures.
Choose Your Offer, Sign, Get Funded
E-signature. Capital lands in time to install lasers, stock injectables, or open the second location.
Multi-Location Capital Uses
What Multi-Location Businesses Use Funding For
Laser & Light Devices
IPL, fractional CO2, Nd:YAG, diode. Fund the next-gen platform without draining your operating account.
Injectable Inventory
Botox, Dysport, Juvederm, Restylane, Sculptra. Buy in bulk for better margins. Never turn clients away.
Buildout & Renovation
Treatment rooms, reception areas, Instagrammable spaces. Create the premium experience your clients expect.
Body Contouring Systems
CoolSculpting, Emsculpt, RF body tightening, laser lipo. High-ticket services that pay for themselves.
Staffing & Training
Licensed aestheticians, RNs, NPs, front desk. Fund hiring and certification programs.
Marketing & Client Acquisition
Instagram ads, Google Ads, influencer partnerships, before/after content, loyalty programs.
Full Transparency
What Kills Your Qualification (And What Doesn't)
Most lenders won't tell you this upfront. We will.
✅ These Won't Stop You
These Can Be Deal-Breakers
Need commercial insurance for your multi-location business?
Medical malpractice and business property coverage are required before most equipment financing closes. InsuranceService365.com covers med spas across 29 states.
Don't Wait Until You Need Funding to Get Funded
Aesthetic equipment is the fastest-payback category in healthcare — but only if the equipment is installed before the next promotional cycle. The practices that scale funded the laser, the body-contouring platform, or the second-room buildout BEFORE the next campaign launched. Pre-qualify when revenue is steady — that's when lenders structure the friendliest terms.
Ready?
See What Your Multi-Location Business Qualifies For
Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
Soft-pull pre-qual · No obligation · Estimate only
Other Med Spas Specialties We Fund
Click any specialty for tailored financing options.
Recommended Products
Recommended Funding for Multi-Location Businesses
Working Capital
Fund injectable inventory, marketing, and payroll. Funded same day.
Learn More →Equipment Financing
Finance lasers, body contouring devices, and platforms — asset-backed.
Learn More →SBA Loans
New location buildout or practice acquisition at government-backed rates.
Learn More →Business Line of Credit
Revolving access for Botox, filler, and supply inventory.
Learn More →FAQs
Multi-Location Business Loan FAQs
Multi-Location Med Spa Loans & Aesthetics Expansion Financing — $25K to $10M+
Location 1 proves the model. Location 2 proves you can scale. But scaling a med spa means $300K-$700K for the second spot — lease, build-out, equipment, staff, marketing. Your bank looks at your application and treats it like a startup loan. They don't care that location 1 does $80K a month with a waitlist. They want 2 years of P&L for the new location. That doesn't exist yet. We underwrite location 2 based on location 1's proven performance.
And acquisitions? A competitor closing down is a once-in-5-years opportunity. Their patient list, their equipment, their trained staff — worth $200K-$400K. But the transaction closes in 30 days or the patients scatter. Bank SBA takes 3-4 months. Revenue-based capital stacking closes competitor acquisitions in 21-30 days against your existing locations' combined deposits. 70+ lenders. No hard pull. We've funded $250K competitor acquisitions, $500K new-location build-outs, and $1M+ multi-location expansions. All through our network — see /loans/business-acquisition.
Stop Postponing the Equipment That Pays for Itself. Get Your Multi-Location Practice Funded Today.
60 seconds. Soft-pull pre-qual. No obligation.
See What You Qualify For →Soft-pull pre-qual · Free to check · Nationwide