Fund the summer
A line of credit covers payroll and rent through the soft months. You repay it out of the September surge.
- Draw in JuneCover payroll
- Repay in autumnLaser season cash
- Stagger vacationsMatch thin bookings
Industriesmed spas
Business Funding for Medspas & Aesthetics Clinics
Capital built around the treatment room.
One place for med spa owners to run the numbers, read the playbooks, and see which of eight financing structures fits the next move, from a new laser platform to a second location.
No hard credit pull to start. No applicant fees. Independent business capital advisors.
Capital Scan · Step 1 of 2
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Takes 60 seconds. No hard credit pull.
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Start with the move
What med spas use business funding for
Pick one and the calculator below changes to the question that move actually asks.
Run the numbers first
Equipment ROI calculator
Devices are sold on a monthly payment, which is the number the rep will keep you on. The two that decide it are how many treatments a week cover that payment, and how long the platform takes to pay for itself.
$120,000
Out the door. Ask for install, training and service as separate lines.
$2,600
From the written quote. Leave at 0 if you are paying cash.
$450
$90
Tips, cartridges, gel, numbing: anything thrown away after one patient.
10
What your own book can hold in year one, not the brochure's capacity.
Projection
Cumulative net profit over time
At these figures, break-even treatments comes out at 2 a week.
Break-even treatments
2a week
Base, example figures- Payback period
- 7.7 months
- Profit a treatment
- $360
Full breakdown
- Monthly contribution
- $15,600
- Left after payment
- $13,000
Key insights
- Cumulative profit covers the up-front cost in month 8, inside the first year.
- Over 12 months the cumulative position moves from -$120,000 to $67,200.
Nothing you type here leaves your browser
Every figure is worked out on this page. No input is sent anywhere, stored, or attached to you.
Every figure here is yours to check
It runs on the numbers you entered and nothing else, so you can rebuild any line of it by hand.
Talk to a funding specialist
A real conversation about what these numbers mean before you apply to anything.
What this model leaves out An estimate from your own inputs, not an offer or a projection.Read the full note
It excludes room overhead, marketing, provider wages and the cost of the money itself, so treat the payback figure as a best case rather than a forecast. It measures payback against the full purchase price rather than the amount you finance, which is the harder and more honest test. A payment can be made to look like anything by moving the term or adding a balloon, so compare the out-the-door price across quotes as well as the payment.
Typical medspa funding requests
- $20K-$400KTypical request range
What we actually structure for this industry. Your amount depends on the file.
- 8Structures we place
Equipment, line of credit, term, SBA, asset-based, receivables, revenue-based, and a business HELOC.
- $0Cost to ask
No applicant fees and no hard credit pull to start. Funding partners set final terms.
The numbers
What this industry runs on.
- $17B+US med spa marketAmSpa Medical Spa State of the Industry Report (free summary) ·
The cash year
Medspa seasonality and cash-flow gaps
Med Spa Seasonality Timeline
Sun exposure sets the laser calendar, so the summer trough arrives on schedule. Fund it early.
Seasonal pattern
- Lower
- Building
- Stronger
New year buildDecember's booked work, less new cash
Summer troughLaser demand falls, payroll does not
Laser season peakStrongest resurfacing months of the year
- JAN
- FEB
- MAR
- APR
- MAY
- JUN
- JUL
- AUG
- SEP
- OCT
- NOV
- DEC
Read December honestly
Gift card cash in December is service you owe in the first quarter. The balance reads better than the business.
- Track redemptionsService still owed
- Read twelve monthsNever one month
- Delay big buysWait for February
Time the device
A device bought in August starts earning in September. The same one bought in May carries three weak months first.
- Buy pre-seasonAhead of September
- Match payment timingTo your season
- Ignore sales quartersTheirs, not yours
This is the typical med spa year. Your own mix of injectables, laser and membership revenue will shift it.
Monthly
The Med Spa Capital Brief
Once a month: which structures are getting written for clinics right now, what underwriters are asking med spa owners for before they fund, and the state ownership and scope changes worth knowing about. No pitch, unsubscribe in one click.
Reading
Medspa funding guides and comparisons
Everything we have published for med spas, newest first. 6 pieces in total. Narrow it to the shelf you need, or read straight down the list.
- MCA vs. Equipment Financing: Which Fits?Compare MCA and equipment financing by cost, speed, collateral, payment size, and qualification to see which structure fits an equipment purchase.Updated Sep 11, 2026
- Equipment Financing Without Draining CashHow equipment financing works, illustrative rates and terms, how to qualify, and when it beats leasing, a term loan, or paying cash.Jul 9, 2026
- Business Line of Credit: How It WorksHow a business line of credit works, what it costs, who qualifies, and when a revolving line beats a term loan or an advance.Jul 1, 2026
- Every Way to Fund a Small Business, ComparedTerm loans, SBA, lines of credit, equipment, factoring, revenue-based funding, cards, and MCAs compared. When each fits, and when it does not.Jun 2, 2026
- How to Prepare Your Business for Fast FundingThe document checklist, revenue benchmarks, and what underwriters actually look at, so you can prepare before you apply for fast funding.Apr 5, 2026
- Revenue-Based Funding vs. Traditional LoansAn honest side-by-side of revenue-based funding and term loans: cost, speed, qualification, and when each option makes sense for your business.Apr 1, 2026
Disclosure
Figures on this page are illustrative estimates only and are not an offer of financing. All amounts, rates, factor rates, terms, payment amounts, timelines, and qualification criteria vary by lender, depend on funder underwriting and your business's bank statement history, and are subject to change without notice. Nothing here is guaranteed until a funder issues terms and you sign them. Factor rates do not represent APR. Commera is a broker, not a lender, and does not set rates.
Local market guides
med spas funding by location
Compare local demand, operating costs, cash timing, and funding considerations in the markets where we have dedicated guidance.
Common questions
Medspa funding questions, answered straight.
The questions owners ask before they apply, answered for med spas.
Equipment financing spreads the platform across its useful life with the device itself as collateral, sized against the treatment revenue it is expected to produce rather than against your other assets.
Yes. Aesthetics is a paid-acquisition business where spend precedes bookings by weeks. A line of credit or revenue-based funding covers that lag.
Commonly $25K-$500K against deposit volume. Cash-pay revenue produces the deposit consistency funders look for, which often prices an aesthetics practice better than an insurance-dependent one.
Sometimes. Most revenue-based options want 6+ months of operating history and roughly $20K+ in monthly deposits. Below that, equipment financing tied to a specific device is often the more realistic route.
Funders underwrite the business, not the licensing structure, but state corporate practice of medicine rules govern how the practice must be owned. That is a legal question for your counsel rather than a funding one.
Ready to move?
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