The Pinch Points
Why Wellness Clinics Come to Us for Capital
The build and the big-ticket chambers are all cash out before a single membership sells, and the recurring revenue that makes the model great is the part that takes months to mature. Our lenders read the trajectory. Sound familiar?
The Build Before the Members
A wellness space is a real build — the rooms, the flow, the finishes run $80K–$200K before the first membership sells.
The Big-Ticket Draws
The reasons people join — a cryotherapy chamber, a hyperbaric unit — are $35K–$45K each, the anchors of the whole offering, all due up front.
The Membership Runway
Recurring memberships are the model, but the first months are $8K–$15K a month in marketing and capacity against a base that’s still filling.
The Modality Everyone’s Adding
Each new recovery modality — red-light, contrast, compression — is $15K–$50K of equipment, cash out before it earns.
The Second Location’s Pull
Members ask for a location closer to home, and the second site is another $150K–$300K build before it bills its first month.
The Equipment That Defines the Brand
A $25K body-composition scanner or a $40K+ recovery suite is what makes you the serious clinic instead of a gym add-on — due up front.
What an operator said
“We opened with the cryo and hyperbaric units financed instead of paid in cash, which left us the runway to actually market the membership. We hit our member target a quarter early.”
Olivia S. · recovery & wellness clinic · Boulder, CO
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 Wellness Clinics
Capital for the Build-Out
Working capital funds the clinic build — rooms, flow, finishes — so you open ready instead of half-finished.
Equipment Financing for the Chambers
Equipment financing funds the cryo, hyperbaric, and scanner with §179 write-off ahead of the down payment.
Working Capital for the Membership Ramp
Working capital carries marketing and staff while the recurring base fills in.
A Line for the Next Modality or Location
Financing adds a modality or a second site so the offering and the footprint keep growing.
Match Your Situation
The Funding Gaps We Close for Wellness Clinics
Match your situation to the structure. Every one of these funds on your clinic’s revenue, not a perfect credit file.
| What It Looks Like | Funding Solution | Amount | Speed | |
|---|---|---|---|---|
| The build is cash out before the first member | Working capital funds the build-out. | Working Capital | $75K–$5M+ | 1–3 days |
| Big-ticket chambers are all due up front | Equipment financing spreads them, §179 to you. | Equipment Financing | $75K–$5M+ | 3–7 days |
| Membership revenue takes months to mature | Working capital funds the runway. | Working Capital | $75K–$5M+ | 1–3 days |
The Products
How Wellness Clinic Financing Is Structured
Most wellness-clinic files fund between $75K and $5M+, structured to the build, the chambers, 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 | |
|---|---|---|---|---|---|
| Working Capital | $75K–$5M+ | 6mo–10yr | Build-outs, membership ramp, new modalities | 1–3 days | Often unsecured, daily/weekly ACH |
| Equipment Financing | $75K–$5M+ | 2yr–7yr | Cryo, hyperbaric, body-composition scanners | 3–7 days | Device serves as collateral |
| Business LOC | $75K–$5M+ | Revolving | Supplies and seasonal membership swings | 1–5 days | Unsecured line, no PG by default |
| Invoice Factoring | $75K–$5M+ | Per invoice | Corporate-wellness and membership receivables | 1–2 days | Receivables secure the line |
Tax Strategy
Section 179 on Recovery Chambers — 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 wellness clinic isn’t one purchase — it’s a build with a few big draws: a cryo chamber, a hyperbaric unit, a scanner that makes you the serious clinic and not a gym add-on. All of it is cash out before a single membership sells, and the recurring revenue that makes the model great is exactly the part that takes months to mature. We fund the build-out and the chambers on what you’ll bill, and the §179 on the chambers is more deduction than you put down, free with the build. The capital that opens the doors ready, instead of half-finished and underbooked.”
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 wellness clinic 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
Wellness & Recovery Clinic Financing
A Build, Not a Single Machine
A recovery clinic is a build with a few expensive anchors — the rooms and finishes that make it feel like a destination, plus a cryo chamber, a hyperbaric unit, and a body-composition scanner that tell a member you’re the serious clinic and not a gym add-on. All of it is spent before the first membership sells, and the recurring revenue that makes the model worth it is the slowest part to mature. We fund the build-out on working capital and the chambers on equipment financing, so the doors open ready with marketing runway left to fill the base.
One Application, 70+ Lenders
Whether it’s working capital for the build-out, equipment financing for the cryo and hyperbaric chambers, or runway to fill the membership base, we connect you with 70+ lenders who fund cash-pay wellness clinics every week. Working capital, equipment financing, lines of credit, and receivables advances — $75K to $5M+, on your revenue, with §179 writing off qualifying chambers the year they’re placed in service. One application, soft-pull review to start.
Common Questions
Wellness Clinic Financing — Questions, Answered
Yes — working capital funds the build alongside equipment financing on the chambers.
Equipment financing spreads the chambers and scanner, with the §179 write-off ahead of the down payment.
Working capital carries marketing and staff while the recurring base 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.
If demand is already pulling toward a second location, expansion capital can fund the next build against your current billing, so you meet the demand instead of waiting years to self-fund it.
Recommended Funding
The Products That Fit Wellness Clinic Work
Working Capital Loans →
Fund the build-out and the membership ramp so you open ready, not half-finished.
Equipment Financing →
Finance the cryo, hyperbaric, and scanner — §179 write-off included.
Business Line of Credit →
Draw for supplies and seasonal membership swings, repay as the base bills.
Invoice Factoring →
Advance against corporate-wellness and membership receivables instead of waiting net-30.
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