A med spa or beauty business is equipment-heavy and appointment-driven: a single laser or device can cost as much as a car, the build-out is expensive, and revenue swings with the season. Funding works best when the product matches the specific need — here is how the pieces fit.
Financing devices and equipment
Lasers, body-contouring devices, medical-grade chairs, and treatment beds are major purchases, and equipment financing is built for them. The device is the collateral, so the rate runs lower than unsecured funding, and terms of 12 to 72 months keep the monthly payment manageable while the equipment earns. This protects your cash for staffing and marketing instead of draining it on one machine.
Working capital for slow seasons
Beauty revenue is rarely flat — holidays and wedding season run hot, and the weeks after run cold. A line of credit is the classic smoother: draw during the slow stretch, pay it back when bookings rebound, and only pay interest on what you use. For a one-time gap tied to revenue, a short-term advance can also bridge it. Revenue-based products underwrite on your card and bank deposits, which fits a business with steady appointment income.
Build-out and expansion funding
Opening a second location or renovating a treatment suite is a growth project that costs money before it earns. A term loan gives you a fixed payment and a clear payoff date for a one-time build-out, while working capital covers the ramp until the new chairs are booked. Match the term to the investment so you are not carrying a long loan for a short-term need.
Getting matched without the runaround
Med spas sit at the intersection of medical and retail, and funders vary widely on how they treat them. The Broker Shop is a broker, not a funder: one 2-minute application reaches the funders whose guidelines you meet, and you compare an equipment offer against a working-capital offer in one place. Funding runs $5K to $2M depending on revenue and product, it's free to apply, and checking your options won't affect your credit score.
See what you qualify for
One 2-minute application is matched to the funders whose guidelines you meet. It's free, and checking your options won't affect your credit score.
See What I Qualify For →The bottom line: Finance devices with equipment financing, smooth slow seasons with a line of credit, and fund build-outs with a term loan matched to the investment. One application reaches the funders whose guidelines you meet — $5K to $2M, free to apply.