Dermatology Equipment Financing, From the Broker Who Knows a Sciton From a Cutera

A Broker Who Speaks Dermatology

We know why a Sciton BBL Hero and a Cutera Excel V are not interchangeable, and why a Mohs bench is a different purchase than a cosmetic laser. That knowledge means your file gets packaged correctly the first time, which is how you get a sharper rate instead of a generic quote.

The Entire Derm Menu on One Application

Ablative CO2, IPL, RF microneedling, cryo units, exam rooms, and a full Mohs lab can all sit on a single approval. You do not chase four separate lenders for four pieces of one buildout, and you do not mix a competitor's InMode Morpheus8 into the cart alone.

Terms Structured for Cash-Pay Timing

Aesthetic revenue is cash pay, and it ramps as the schedule fills. We structure the term, and any deferral, so payments line up with the way a new laser actually books, not a one-size 60-month box handed down by a manufacturer's finance desk.

500+ Lenders, All Credit Profiles Considered

From a practice owner with an 800 score to a newer associate with a challenged credit profile, we place files across more than 500 lenders. A single decline does not end the process. We shop the file until it lands.

A derm practice is really several equipment budgets stacked together, and each one prices differently. On the medical side, a Mohs lab built around a Leica CM1860 cryostat, a tissue processor, and an Olympus or Leica microscope runs $120,000 to $300,000 depending on how many stations you run. Cryosurgery with a Brymill Cry-Ac is comparatively small.

The cosmetic side is where the capital goes. Ablative resurfacing platforms like the Lumenis UltraPulse, Lumenis AcuPulse, or Candela CO2RE land $90,000 to $170,000. For pigment, vascular, and photorejuvenation, a Sciton BBL Hero, Cutera Excel V, or Lumenis M22 IPL runs $95,000 to $160,000. RF microneedling from a Cynosure Potenza, Cutera Secret RF, or InMode Morpheus8 adds $80,000 to $130,000 per platform.

Build the whole thing, a couple of lasers, an RF handpiece, exam rooms, and a Mohs bench, and you clear $400,000 quickly. We fund it as one deal. That matters because a manufacturer's captive lender will only finance their own box. We can put a Sciton Joule, a competitor's Morpheus8, and your buildout on a single approval, which no captive desk will touch.

Every file is different, but these recent closings show how the numbers land. Rates depend on credit, time in practice, and the equipment. None of this is guaranteed. Your terms come from your file.

• $148,000, Sciton Joule (BBL Hero, ProFractional, Halo). Three-location cosmetic dermatology group, 14 years in practice, owner FICO 762. Approved at 5.49% APR, 60 months, $0 down.
• $312,000, full Mohs lab buildout. Leica CM1860 cryostat, tissue processor, Olympus microscope, and two exam rooms for a Mohs surgeon opening a second office, 11 years in practice, FICO 741. Approved at 5.79% APR, 72 months, $15,000 down.
• $71,000, Cynosure Potenza RF microneedling. Solo dermatologist, 6 years in practice, FICO 704. Approved at 6.24% APR, 48 months, 10% down.
• $128,000, Lumenis M22 IPL plus AcuPulse CO2. Established practice with a challenged credit profile, 9 years in practice, owner FICO 688. Approved at 6.79% APR, 60 months, 15% down.

The pattern is simple. Strong personal credit and years in practice pull the rate toward the floor. A lower score does not kill the deal. It moves the structure toward a modest down payment and a slightly higher rate. We shop the file across the lender network so one decline never stops you.

The reason derm equipment finances so cleanly is throughput. A BBL Hero treatment prices at $300 to $600 cash and treats a full face in minutes, so a laser doing a handful of procedures a day covers a $2,500 to $3,000 monthly payment fast. RF microneedling packages run $600 to $1,200 per session, and patients typically buy a series of three or four. A single Potenza or Morpheus8 booked a few times a week pays its own note and then some.

The tax side compounds the math. For the 2026 tax year, the Section 179 expensing cap is $2.5 million, with phase-out beginning at $4 million, and 100% bonus depreciation is available on qualifying equipment placed in service during the year. In practice, a dermatologist who finances a $148,000 Sciton Joule can often deduct the full purchase price in year one while spreading the actual payments across five or six years. You keep the cash, book the laser, and write down the whole cost against income the same season.

That is the leverage: finance the platform, deduct it up front, and let cash-pay procedures service the note. Confirm the specifics with your CPA, since this is general information and not tax advice, but the structure is why so many practices buy rather than wait.

A manufacturer's captive finance arm has one rate sheet and one answer. It exists to move that manufacturer's boxes, so it prices to protect the sale, not to win you the best terms. If your credit is strong, you often leave money on the table. If your file has a wrinkle, the captive simply declines and you are back to square one.

We do the opposite. Because Brobas works with more than 500 lenders, we put your file in front of the desks most likely to price it aggressively, then bring back the winner. That competition is what drives a qualified dermatologist toward that 5.49% APR floor rather than the captive's posted rate.

There is also the mixed-cart problem. Real derm buildouts are not brand-loyal. You might want a Sciton for BBL, a Cynosure for RF microneedling, a Leica cryostat for Mohs, and casework from a local contractor. No single captive will finance a competitor's equipment or your buildout labor. We fund all of it on one approval, one payment, one closing.

And we do it fast. You keep negotiating the equipment price with your rep while we handle the money, so the two conversations never get tangled. That separation alone tends to save practices real dollars on the purchase itself.

Can you finance used or refurbished dermatology lasers?

Yes. We regularly fund certified pre-owned and refurbished platforms, including factory-refurbished Sciton, Cutera, and Lumenis systems, plus third-party reconditioned units. A refurbished IPL or CO2 laser at 40 to 60 percent of new pricing is often the smartest first purchase, and lenders in our network write those deals every week.

What credit score do I need to finance derm equipment?

There is no single cutoff. Owners with scores above 720 typically see our best pricing, and we still fund plenty of files in the high 600s with a modest down payment. We consider all credit profiles and structure around the file instead of turning it away.

Can a brand-new practice with no business history get approved?

Yes. Startup dermatology practices are financed on the physician's personal credit, specialty, and projected collections. First-time buyers of a single laser get approved often, and we can add a light down payment to offset limited time in business.

Do you finance the buildout, or only the equipment?

Both. A Mohs lab or a new suite is more than the device. It includes casework, exam rooms, plumbing for a cryostat, and installation. We fund equipment plus soft costs and buildout together so the entire project sits on one payment.

How fast can I get approved?

Applications under roughly $150,000 often get a same-day or next-day decision on a one-page app with no financials. Larger files, like a full Mohs lab, take a few days and may ask for two years of returns. Funding to the manufacturer usually follows within a week of approval.