Open Your Med Spa on One Facility, Not Ten Invoices

One Facility for the Whole Buildout

Instead of chasing separate approvals for the InMode platform, the laser, the beds, and the contractor, we wrap the entire equipment list and buildout into a single facility with one payment.

First-Time Owners Welcome

Opening your first med spa? We place startups on personal credit and projections, not just three years of tax returns. A strong RN or MD owner with a clean 700-plus score has options.

From 5.49% APR Across 500+ Lenders

Qualified borrowers start at 5.49% APR. Larger packages from $250,000 to $400,000 can stretch to 72 months to protect your working capital during ramp-up.

Section 179 and Bonus Depreciation

The equipment is Section 179 property; the buildout may qualify as improvement property for bonus depreciation. Your CPA can split the two to maximize your first-year deduction.

Opening a med spa is not a single equipment purchase; it is a stack of them landing at once. A typical startup list runs an InMode platform for Morpheus8 RF microneedling and BodyTite, plus a Lumecca IPL for pigment and vascular work, a laser hair-removal device like the Candela GentleMax Pro or InMode Diolaze, two or three treatment beds and stools at $3,000 to $8,000 each, medical-grade cabinetry, a reception and consult buildout, and often a body-contouring platform such as EMSCULPT NEO. Add it up and a real turnkey med spa lands between $100,000 and $400,000 depending on how many rooms you open with.

The mistake new owners make is financing invoice by invoice: one approval for the InMode platform, another for the laser, a credit card for the beds, cash for the contractor. You end up with four payments at four rates and no leverage. We wrap the entire list, equipment and buildout, into one facility with a single payment and a single close. That means one credit pull, one set of documents, and one number you can actually plan around. It also lets us balance the file, using the strong resale value of the InMode and Candela platforms to help carry the buildout portion that a bank would rather not lend against on its own. One facility is how a startup opens fully equipped instead of half-built.

Recent turnkey and expansion files:

• $285,000 turnkey package, Atlanta startup. InMode Morpheus8 platform, Candela GentleMax Pro, Lumecca IPL, three treatment beds, and buildout. The owner was an eight-year RN opening her first practice, 741 personal score. We wrapped the entire list into one facility at 5.99% APR over 60 months with 10% down.
• $145,000 InMode Morpheus8 plus BodyTite and two beds, Charlotte med spa. Two years in business, 706 score. Approved at 6.49% APR over 60 months with no money down and a 60-day deferral.
• $390,000 full second location, Houston. EMSCULPT NEO, GentleMax Pro, a hydrafacial device, cabinetry, and buildout for an established twelve-year practice, 768 score. Priced at 5.49% APR over 72 months with 15% down to keep the monthly manageable on the larger balance.
• $128,000 Lumecca IPL, Diolaze, beds, and cabinetry, Denver startup. Three years, 690 score. Funded at 6.99% APR over 60 months with 10% down.

Those were the actual approvals. First-time owners, established practices, and challenged credit all appear here. Your terms depend on ownership history, personal and business credit, the mix of equipment versus buildout, and down payment. We quote from 5.49% APR for the strongest files, never as a promise.

A med spa's revenue ramps room by room, which is why the term matters as much as the rate. Morpheus8 sells in three-session packages of $2,000 to $3,500, laser hair removal packages run $600 to $2,000, IPL series $1,000 to $2,500, and body contouring adds $3,000 to $4,000 per package. A two-room startup that fills even half its book is doing $30,000 to $60,000 a month within a couple of quarters. Stretching a $285,000 package to 60 months keeps the payment serviceable while that ramp happens, rather than forcing full debt service on day one.

The tax picture has a wrinkle worth knowing. The equipment portion, the InMode platform, the laser, the beds, is classic Section 179 property, deductible in full in the year placed in service up to the annual cap above $1.2 million for 2025. The buildout is different. General leasehold work is qualified improvement property, which is handled through bonus depreciation rather than Section 179, though certain systems like HVAC, fire, and security can qualify for 179. In practice your CPA splits the invoice: equipment goes one way, improvements another, and current law's return of 100% bonus depreciation for property placed in service after early 2025 often lets you write off a large share of both in year one. Get the allocation right at close and the first-year deduction can offset most of your startup tax exposure.

Because a med spa package pulls from several vendors, the last thing you want is several loans. We run the whole thing as one application across more than 500 lenders and pay each vendor directly at close: InMode, Candela, BTL, the bed supplier, and the contractor all get paid from one facility. For startups we underwrite on personal credit, the business plan, and projections, not three years of returns you do not have yet. A clean 700-plus score with a real lease and a credible plan opens the door.

Structures we place on turnkey med spa deals include 60-month terms on packages up to about $250,000, 72-month terms on larger buildouts from $250,000 to $400,000, 5% to 15% down depending on the file, and 60 to 90 day deferred first payments so you are open and booking before you owe. When a lender is cautious on the buildout line, we lean on the resale value of the InMode and Candela hardware to carry the deal.

You send us the equipment quotes and the buildout estimate, we send back one payment and one set of documents. First-time owner or adding a fourth location, the process is the same: one credit decision, one close, one monthly number quoted from 5.49% APR for qualified borrowers. That is how you open fully equipped instead of stretching a construction loan and three credit cards across your first year.

Can a first-time med spa owner get financed?

Yes. We funded an eight-year RN opening her first practice on a $285,000 turnkey package. Startups are underwritten on personal credit and a credible plan; expect some down payment, often 10%.

Can the buildout be financed with the equipment?

Yes. We wrap lasers, InMode and BTL platforms, beds, cabinetry, and buildout into one facility with a single payment, rather than financing each invoice separately.

How much down do I need?

It ranges from zero to 15% depending on the file and how much of the package is buildout versus hard equipment. Our recent deals ran from no money down to 15% on a $390,000 second location.

What terms are available on a large package?

Packages up to about $250,000 usually run 60 months; larger buildouts from $250,000 to $400,000 can stretch to 72 months to keep the monthly manageable while you ramp.

Do you pay the vendors directly?

Yes. At close we pay InMode, Candela, BTL, your bed supplier, and your contractor directly from one facility, so your orders and warranties stay clean.