Med Spa Funding — Devices, Injectables, Buildout & Growth

Approved on your deposits, not your credit score. Finance a new laser, stock injectables, build out a treatment room, or fund a marketing push — $10K to $5M, funded in as little as 24 hours.

The gear costs more than the appointment book shows

A single aesthetic laser can run $80,000 to $150,000. A hydrafacial system, a body-contouring device, an IPL platform — every piece of equipment that fills your treatment menu is a five- or six-figure decision, and the manufacturer usually wants a deposit before it ships. Meanwhile you're carrying injectable inventory, paying licensed injectors and estheticians whether the room is booked or not, and watching a competitor two miles away advertise the exact treatment you can't offer yet.

Bank loans move on their own timeline. By the time an SBA package clears underwriting, the promotional pricing on that device is gone and the launch window you were targeting has passed. Med spas run on momentum — a new device that pays for itself in booked treatments, a Botox restock before the holiday rush, a buildout that adds a second room and doubles daily capacity. Waiting six weeks for a decision isn't neutral. It costs you the revenue those weeks would have produced.

We look at how the business actually performs. If your bank deposits show steady revenue coming through the practice management system and the card terminal, that's what we underwrite on — not a FICO score that has nothing to do with how many appointments you book.

How it works

• Apply in minutes. Basic business details and your three most recent months of bank statements. No tax returns to dig up, no business plan to write.
• We review your deposits. A soft pull and a look at your revenue — no hit to your credit. We size an offer to what the practice can actually support.
• Get funded. Approvals can fund in as little as 24 hours. Put it toward the laser, the restock, the second treatment room, or the ad spend — your call.

Real numbers

A med spa doing about $95,000 a month in deposits wants to add a body-contouring device the manufacturer is discounting for another two weeks. The unit is $120,000 with the applicators. A bank quotes six weeks minimum. Instead the owner pulls together three months of statements, we underwrite on the deposit history, and $130,000 funds in two business days — enough for the device plus the training package and the launch marketing to fill the calendar around it. The promotional pricing is captured, the device is booking treatments before the end of the month, and the competitor down the street is now the one playing catch-up.

Who qualifies:

• At least a few months of operating history with revenue coming through the bank
• Roughly $10K+ in monthly deposits (smaller and larger both work — this is a general guide, not a hard cutoff)
• FICO 500+ — we weight your deposits, not your score
• A U.S.-based business with a business bank account

Amounts run from $10,000 to $5 million. Solo injector suites, single-location medspas, and multi-room aesthetic practices all fit.

Straight answers

Can I finance a specific device, like a laser or IPL platform?

Yes. You can use the funds to buy or finance devices — aesthetic lasers, IPL, RF microneedling, body contouring, hydrafacial systems — plus the applicators, training, and warranty that come with them. You choose the vendor.

What if my credit isn't great?

It's still worth applying. We approve on business deposits, and FICO 500+ is workable. Your revenue history carries more weight than your score.

Does checking hurt my credit?

No. Checking what you qualify for is a soft pull with no impact on your score. A hard inquiry only happens if you accept an offer and proceed.

How fast can I actually get the money?

When your file is clean and your statements are ready, funding can happen in as little as 24 hours. Larger amounts or missing paperwork add time — we'll always give you a real timeline, not a sales pitch.

Can I use it for injectables inventory and staffing, not just equipment?

Absolutely. Restock Botox, fillers, and skincare lines, cover payroll for a new injector, fund a buildout, or run a marketing push. Working capital is flexible and needs no collateral.

Do I need to put up collateral?

Not for working capital. We don't require you to pledge equipment or property to access funds.

Ready when you are

If your med spa is generating revenue and you've got a device to buy, a room to build, or a shelf to restock, don't let a slow bank cost you the booking. Check what you qualify for with a soft pull — no credit impact, no obligation.