Medspa Financing Nationwide for Medical Spas and Aesthetic Clinics, $10K to $5M
💎 Financing Built for MedspasI’m Kevin Kermeen, a nationwide commercial loan broker, not a bank. Medspa financing funds the moment a bank won’t, opening a medical spa, buying an existing one, financing lasers and aesthetic devices, or building out a luxury treatment space. Ready to launch your own cash-pay aesthetic business? That’s exactly the high-margin model SBA and equipment lenders like. I match you to the lender that funds medspas.
Medspa Financing for Every Stage of Growth
Whether you’re opening your first medspa, buying an existing one, or adding devices and locations, there’s a path built for it. Here’s what medspa financing commonly covers at every stage.
Medspa Acquisition
Buy an established medical spa with a loyal client base and trained staff. SBA 7(a) is built for this, often with limited money down.
Startup and De Novo
Open your own medspa, luxury build-out, devices, branding and working capital to reach a full appointment book.
Lasers and Aesthetic Devices
Finance lasers, IPL, body-contouring, RF microneedling and injection systems, the high-margin devices that drive revenue.
Inventory and IV Therapy
Fund injectable inventory, IV therapy setups and the consumables a busy aesthetic practice runs through.
Luxury Build-Out and Relocation
Renovate, expand or relocate. Finance treatment rooms, a spa-grade interior, reception and the full fit-out.
Working Capital and Multi-Location
Cover payroll, marketing and ramp-up, or fund a second and third medspa to build a regional brand.
An NP Opened Her Own Medspa After a Bank Said She Was Too New
A nurse practitioner with years of aesthetics experience was ready to open her own medspa, she had the clientele and a clear plan, but the bank saw a brand-new cash-pay business and an expensive laser purchase and said no.
They called me. I structured medspa financing that combined an SBA-backed startup package for the build-out and working capital with equipment financing for the lasers, using the devices as collateral and her experience and credit to carry the file. It funded, the medspa opened, and the high-margin treatments filled the calendar fast.
That’s what the right match looks like for a medspa owner. Don’t Beg the Bank! Get funded instead.
How I Fund Medspas, the Right Tool for Each Need
Medspa financing isn’t one product. The right structure depends on what you’re doing. I match you to the one that fits, tap any to explore it.
SBA 7(a) Loans
The primary vehicle for opening or buying a medspa, strong terms, often limited money down.
See SBA 7(a)Equipment Financing
Lasers, IPL, body-contouring and aesthetic devices, with the equipment itself as collateral.
See equipment financingSBA 504 and Real Estate
Buy the building your practice operates in with long-term, fixed-rate commercial real estate financing.
See SBA 504Startup Funding
Opening with little history? Honest paths for a brand-new medical spa.
See startup fundingWorking Capital
Cover payroll, marketing and inventory before the appointment book fills.
See working capitalLine of Credit
Revolving capital for the ups and downs of running a practice, draw only what you need.
See lines of creditQualifying for Medspa Financing
Medspa financing is different from a generic business loan. Lenders know aesthetic treatments are high-margin and cash-pay, so an owner with strong credit, aesthetics experience and a workable plan is a strong borrower, even opening a first location. I qualify deals honestly.
✅ What helps you qualify
- ✔An owner with aesthetics experience and a medical director or the right license for your state.
- ✔Strong personal credit, the foundation for a new dentist with limited history.
- ✔For acquisition: a practice with solid, documented cash flow.
- ✔A down payment or contribution, which a parent or family member can help with.
💡 Straight talk
- →SBA is built for opening and buying medspas, often with limited money down.
- →Devices are financed with the equipment as collateral, so the laser helps secure its own loan.
- →Credit is flexible, there’s no single hard FICO floor; stronger credit means better terms.
- →A cash-pay model with strong margins is attractive to lenders when the plan is solid.
Get Your Medspa Financing Options
A quick, no-pressure pre-qualification. I personally review every submission, no call center, no junior rep.
Got it. I’m on it.
Your medspa financing request landed in my inbox. I personally review every submission and most responses go out within one business hour.
Watch for a call from me, Kevin Kermeen, I call directly, I don’t text.
Recent Medspa Financing From My Desk
A snapshot of the medspa financing I match to lenders nationwide, medspa by medspa. Every dentist and practice is different, yours starts with a conversation.
Medspa Financing · SBA and Equipment
An NP opened a medspa, build-out and working capital via SBA, lasers via equipment financing, in one structure.
Device Expansion
A medspa financed a new body-contouring device and RF microneedling system to add high-margin services.
Second Location
An owner financed a second-location build-out and a full device package to expand a growing medspa brand.
How I Match Medspa Financing to the Right Lender
Not every lender understands the medspa model, a cash-pay aesthetic business with expensive devices, and the ones that do compete hard for good operators. I work with many, so I match your medspa financing to the lender that funds your goal, startup, acquisition, devices or expansion, and I review the options with you before you commit.
Here’s the reality for a medspa owner. Aesthetic treatments are high-margin and cash-pay, which makes a well-run medspa very profitable, but a traditional bank sees a new business buying a six-figure laser and gets nervous. Medspa financing works differently: equipment financing uses the device itself as collateral, so the laser helps secure its own loan, while an SBA loan can wrap the build-out, branding and working capital for a startup or acquisition. A strong owner with aesthetics experience and good credit can open or buy a medspa frequently with limited money down. According to the U.S. Small Business Administration, the 7(a) program is designed precisely for this kind of business startup, acquisition and expansion.
The right structure depends on what you’re doing. Buying or starting a practice usually runs through an SBA 7(a) loan, and broader options live across the SBA loan programs. Lasers, IPL, body-contouring and aesthetic devices are best matched to equipment financing, where the device is the collateral. If you want to own the building, an SBA 504 loan or commercial real estate loan gives long-term, fixed-rate terms. Opening de novo with little history points to startup business funding, and the ramp-up months are covered by working capital loans or a business line of credit.
So tell me where you are, opening your first medspa or scaling a brand, and what you’re trying to do. I’ll tell you honestly which medspa financing option fits, match you to the lender most likely to approve it, and stay with you through closing. Other healthcare providers, see my healthcare business loans hub, or compare every option on my loan programs page. Don’t Beg the Bank! Get funded instead.
Sources: U.S. Small Business Administration, 7(a) loan program and 504 loan program.
Straight Answers Before You Apply
What is medspa financing?
Can I open a medspa without owning a business before?
How do I finance buying an existing medspa?
Can I finance lasers and aesthetic devices separately?
How much can I borrow for a medspa?
What does it cost to work with you?
A Broker Who Knows Which Lenders Fund Medspas
I’m Kevin Kermeen, the nationwide commercial loan broker behind 75BizLoans.com, not a bank and not a lead-selling portal. Medspa lending has its own specialist lenders who understand cash-pay aesthetics and expensive devices, and matching you to the right one, for a startup, acquisition, devices or expansion, is the whole point of working with me. I personally review every application, I call you directly, and I never text. For program details, see the SBA’s 7(a) loan program.
Don’t Beg the Bank!
Get Funded Instead.
Banks hand out umbrellas when the sun is shining, not when you’re weathering the storm … and they’ll get nervous about a new medspa buying a six-figure laser. I match you to medspa financing built for where you are … open or buy a medspa through SBA, finance the lasers without draining cash, scale to new locations, and get a same-day callback from a broker who reviews every deal himself.
Loan amounts, terms, rates and funding speed shown reflect typical lender programs, not guarantees, and vary by lender, creditworthiness, practice performance, collateral and structure. Medspa financing generally ranges from $10,000 to $5 million depending on the need. *Practice acquisition and startup are commonly financed through SBA 7(a); SBA loans follow standard SBA timelines and eligibility, and “no two years of history needed” refers to acquisition loans underwritten on the target practice’s cash flow rather than the borrower’s prior business history. Credit is considered along with other factors; there is no single hard minimum FICO simply to apply, but stronger credit supports better rates and terms, and not all applicants are approved. *No upfront fees refers to fees payable to 75BizLoans.com; I am compensated by the lender at closing. Some partner lenders may require a commitment fee or deposit upon your acceptance of their term sheet; any such fee is the lender’s, is disclosed before you commit, and is separate from any compensation to me. Final eligibility, rate, term and structure are determined by the lender. This is not a commitment to lend. Same-day approvals are common when the application reaches me before 9am Arizona Time.