The Pinch Points
Why Skin Practices Come to Us for Capital
Every treatment burns consumables you bought weeks before it bills, and results take a stack of devices, not one — but a lender wants collateral, not a facial calendar. Our lenders read the billing. Sound familiar?
The Consumable Float
A HydraFacial burns $30–$50 in serums and a tip per treatment; at full booking that’s $3K–$6K a month in consumables, cash out weeks before it bills back.
The Device Stack
Serving real results means more than one device: a HydraFacial system, a microneedling pen, an LED panel, an RF tool — a $60K+ stack, not one machine.
The Membership Series
Facials and skin programs sell as a series and a membership — $150–$300 a month in recurring revenue you fund the product and chair time for up front.
The Trending Treatment
A new modality goes viral and clients ask for it by name; the device is $15K–$40K and the starter consumables a few thousand more, all cash out now to catch the wave.
The Esthetician’s Room
Adding a treatment room and an esthetician is a $20K–$35K build plus payroll before the bookings fill the calendar.
The Restock Between Pay Cycles
A sold-out month is a good problem until you’re restocking $4K–$6K in serums and cartridges before the card processor has paid out the treatments that emptied the shelf.
What an operator said
“We kept selling out of HydraFacial serums mid-month and rationing appointments. The consumables line let us stock for the demand — our membership program finally had room to grow.”
Tara V. · skin clinic · Phoenix, 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 Skin Practices
A Working Line for Consumables
A working line floats the serums, tips, and cartridges so a busy month never empties the shelf before it bills.
Equipment Financing for the Device Stack
Equipment financing funds the HydraFacial, microneedling, and LED devices with §179 write-off ahead of the down payment.
Working Capital for a New Modality
Working capital funds a trending device and its starter consumables so you catch the wave instead of watching it.
Capital for the Esthetician’s Room
Financing covers the room, product, and ramp while the new chair’s calendar fills.
Match Your Situation
The Funding Gaps We Close for Skin 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 | |
|---|---|---|---|---|
| Consumables are constant cash out before billing | A working line floats the serums and cartridges. | Working Capital | $75K–$5M+ | 1–3 days |
| Results need a stack of devices, not one | Equipment financing funds the full stack, §179 to you. | Equipment Financing | $75K–$5M+ | 3–7 days |
| Lenders want collateral, not a facial calendar | Revenue-based approval on practice billing. | Working Capital | $75K–$5M+ | 1–3 days |
The Products
How Skin Rejuvenation Financing Is Structured
Most skin-practice files fund between $75K and $5M+, structured to the device stack, consumable line, 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 | HydraFacial, microneedling, LED, RF devices | 3–7 days | Device serves as collateral |
| Working Capital | $75K–$5M+ | 6mo–10yr | Consumables, new modalities, room build-outs | 1–3 days | Often unsecured, daily/weekly ACH |
| Business LOC | $75K–$5M+ | Revolving | Serum, tip, and cartridge restocks | 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 a Facial Device Stack — 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
“Skin rejuvenation looks like a low-cost service until you watch the consumables — every HydraFacial and every microneedling pass burns product you bought by the case, weeks before the treatment bills. The shops that win carry a full device stack and never run short on serums in a busy month. A working line floats the consumables and the device financing covers the stack — and §179 on the HydraFacial and microneedling gear is more deduction than you put down, the kicker, not the headline. The line that keeps the shelf full and the chairs booked.”
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 skin rejuvenation 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
Skin Rejuvenation & Facial Device Financing
The Consumables Are the Business
A facial menu reads like low overhead until you track the product: every HydraFacial burns serums and a tip, every microneedling pass burns a cartridge, and all of it is bought by the case ahead of the bookings that use it. Sell out mid-month in your busiest stretch and you’re rationing appointments while the card processor still owes you for the treatments that emptied the shelf. A working line floats the consumables and equipment financing funds the device stack that real results require, so the shelf stays full and the membership program has room to grow.
One Application, 70+ Lenders
Whether it’s a consumables line sized to your monthly burn, equipment financing for a $60K device stack, or working capital to add a trending modality, 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
Skin Rejuvenation Financing — Questions, Answered
Yes — a working line floats serums, tips, and cartridges, repaid as the treatments bill.
Equipment financing covers the stack up front, or a working line stages it as you grow.
Qualifying devices placed in service can generally be written off the year they’re working; 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 clients are already requesting it by name, working capital lets you add it while demand is hot and recoup from the bookings, rather than missing the wave waiting for certainty.
Recommended Funding
The Products That Fit Skin Rejuvenation Work
Equipment Financing →
Finance the HydraFacial, microneedling, and LED stack — §179 write-off included.
Working Capital Loans →
Float the consumables, add a new modality, and build the esthetician’s room.
Business Line of Credit →
Draw to restock serums, tips, and cartridges, repay as treatments bill.
Invoice Factoring →
Advance against membership-plan and processor receivables instead of waiting net-30.
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