OR to Aesthetics, Under One Roof and One Application

OR and Aesthetics Funded Together

An accredited operating suite and a cash-pay laser line are two different purchases with two different revenue models. We fund the OR table, anesthesia, and monitors alongside the PicoSure and the Emsculpt on one approval, so you build the whole facility at once.

A Broker Who Knows Cash-Pay Aesthetics

We know how a CoolSculpting Elite, an Emsculpt NEO, or a Sciton Joule actually pays back per cycle, and we structure the term to that payback. That is the difference between a platform that funds itself and one that sits as a fixed cost.

Terms Timed to Cash-Pay Payback

Aesthetic revenue is cash up front and it ramps as demand builds. We set the term and any deferral so payments track how quickly a new contouring or laser platform books, not a flat schedule from the device manufacturer.

500+ Lenders, All Credit Profiles

From an established plastic surgeon with elite credit to a younger surgeon with a challenged credit profile building a first suite, we place files across more than 500 lenders. One decline never ends the deal.

A plastic surgery practice runs on two engines, and they finance very differently. The surgical side is capital-heavy and revenue-steady: a Skytron or Mizuho OR table runs $40,000 to $150,000, a Draeger Fabius or GE Aisys anesthesia machine adds $40,000 to $90,000, and Philips IntelliVue or GE CARESCAPE monitors plus sterilization round out an accredited suite at $150,000 to $350,000 all in.

The aesthetics side is where the cash flows fastest. Laser platforms like the Cynosure PicoSure Pro, Cynosure Icon, Candela GentleMax Pro, or Sciton Joule run $95,000 to $200,000. Body contouring is its own budget: CoolSculpting Elite, BTL Emsculpt NEO, InMode BodyTite, or Cynosure SculpSure add $120,000 to $300,000 across a few applicators. A MicroAire PAL system for liposuction and fat grafting is a smaller add.

Build both, an accredited OR plus a laser and contouring line, and you cross $500,000 quickly. We fund it as one deal. That matters because the surgical side supports both insurance and cash cases while the aesthetics side throws off high-margin cash pay, and a captive lender that only finances its own device cannot see the whole facility. We can.

These recent closings show how plastic surgery files actually price. Every term comes from the file itself, and nothing here is guaranteed.

• $186,000, Cynosure PicoSure Pro plus Icon. Aesthetic plastic surgery practice, 11 years in practice, owner FICO 766. Approved at 5.49% APR, 60 months, $0 down.
• $268,000, BTL Emsculpt NEO plus CoolSculpting Elite body-contouring package. Plastic surgeon expanding a med spa line, 8 years in practice, FICO 744. Approved at 5.89% APR, 60 months, 10% down.
• $322,000, full accredited OR buildout. Skytron table, Draeger Fabius anesthesia, Philips IntelliVue monitors, and sterilization for an in-office surgical suite, 14 years in practice, FICO 752. Approved at 5.99% APR, 72 months, $20,000 down.
• $124,000, Candela GentleMax Pro plus InMode Morpheus8. Plastic surgery practice with a challenged credit profile, 5 years in practice, owner FICO 694. Approved at 6.99% APR, 60 months, 15% down.

The spread tells the story. The established surgeon with a 766 score financed a $186,000 laser combo at 5.49% with nothing down, while the younger practice with a high-600s profile still closed its GentleMax and Morpheus8 by adding a down payment and taking a higher rate. Strong credit and years in practice pull toward the floor, a lower score moves toward structure, and we shop the file until it funds.

Aesthetic equipment finances so cleanly because the revenue is cash and the per-treatment pricing is high. Emsculpt NEO runs $750 to $1,000 per session, and patients typically buy a package of four. CoolSculpting Elite prices at roughly $700 to $1,500 per cycle, with most patients treating multiple areas. Laser hair removal, PicoSure tattoo and pigment work, and skin resurfacing all book as cash-pay packages. A single contouring or laser platform running a few sessions a day covers its monthly payment quickly, and the OR side layers steady surgical revenue on top.

The tax treatment adds real leverage. For 2026 the Section 179 cap is $2.5 million with phase-out beginning at $4 million, and 100% bonus depreciation applies to qualifying equipment placed in service that year. A surgeon financing a $268,000 contouring package or a $186,000 laser combo can often expense the full amount in year one while paying it off over five, which shelters a meaningful slice of a high-earning practice's income.

So the play is clear: finance the platform, let cash-pay treatments service the note, and deduct the purchase up front. Confirm the specifics with your CPA, as this is general information and not tax advice, but the combination of fast cash-pay payback and first-year expensing is exactly why plastic surgeons buy these platforms rather than lease around them.

The device makers, Cynosure, Candela, BTL, InMode, all run financing, and it is built to sell that device. The rate protects the sale, so a strong surgeon rarely sees the benefit of good credit, and a complex file gets a flat decline instead of a worked deal.

A broker changes the game. Brobas takes your file to the lenders most aggressive on aesthetic and surgical paper and lets them compete, which is how a qualified practice reaches the 5.49% APR range rather than a captive's posted number.

The mixed facility is the bigger reason. A real plastic surgery buildout is never single-brand. You might want a Cynosure laser, a BTL Emsculpt, an Allergan CoolSculpting, a Skytron table, a Draeger anesthesia machine, and a buildout from a local contractor. No captive finances a competitor's platform or your construction. We fold OR and aesthetics, across every brand, into one approval, one payment, one closing.

We also keep the money separate from the equipment negotiation. You keep pressing each rep on price while we handle terms, so the two are never leveraged against each other. On a full OR-plus-aesthetics build, surgeons routinely tell us that separation saved them more on the equipment than the rate ever did on the loan.

Can you finance refurbished aesthetic and OR equipment?

Yes. Certified pre-owned and refurbished platforms finance well, including reconditioned CoolSculpting systems, refurbished Cynosure, Candela, and Sciton lasers, and pre-owned anesthesia machines and monitors. A refurbished laser or contouring device at a fraction of new pricing is a common way to add a cash-pay line, and our lenders write those deals routinely.

What credit score do I need to finance plastic surgery equipment?

There is no fixed cutoff. Surgeons above 720 see our best pricing, and we fund high-600s files with a down payment. A busy cash-pay practice with strong collections can offset a lower personal score, since the platform's revenue supports the file.

Can I finance an accredited operating suite as a new build?

Yes. Standing up an in-office surgical suite to AAAASF or QUAD A standards means a table, anesthesia, monitors, sterilization, and buildout. We fund the full package as one project on the surgeon's personal credit and projected volume, and a modest down payment can bridge limited history at a new entity.

Do you finance the buildout, or only the devices?

Both. An accredited OR needs proper HVAC, sterilization, and a recovery area, and an aesthetics room needs its own setup. We fund the equipment plus buildout and soft costs together so the entire facility, surgical and cash-pay, sits on one payment.

Can you finance a med spa expansion under my existing practice?

Yes. Many plastic surgeons add an aesthetics or med spa line to an existing surgical practice. We finance the laser and body-contouring platforms under the existing entity, timed to how the new cash-pay service ramps, so the expansion pays its own way from early on.