Med spas run on high-ticket devices and a premium experience. Med spa funding covers lasers, build-out and inventory so you can add profitable services and grow — with the equipment often serving as collateral.
What med spa owners fund
- Aesthetic devices — lasers, IPL, body contouring and RF
- Build-out — treatment rooms, reception and decor
- Inventory — injectables, skincare and retail
- Expansion — add services or a second location
Devices are collateral and profit centers. Financing a new laser lets you add a high-margin service that often pays for the equipment quickly.
Funding options
Equipment financing and medical equipment financing cover devices; SBA loans and term loans fund build-out and expansion; a line of credit stocks inventory. See also salon & spa loans.
Typical guidelines
| Requirement | Typical minimum |
|---|---|
| Time in business | 6+ months (startup options for equipment) |
| Monthly revenue | $10,000+ for revenue-based options |
| Credit score | No minimum on many programs |
| Documents | Application + 3 months bank statements |
Frequently asked questions
Can I finance med spa lasers and devices?
Yes. Aesthetic devices are financed with the equipment as collateral, and deferred-payment options help while you ramp up.
How do I fund opening or expanding a med spa?
SBA and term loans fund build-out and expansion, while equipment financing covers the devices.