Funding Spa Equipment: Massage Tables, Facials, and Steam Rooms

Opening or upgrading a spa isn’t just about ambiance—it’s about investing in professional, high-quality equipment that creates an unforgettable experience for your clients. From massage tables and facial machines to full-body steam rooms, costs can add up quickly.

The good news? There are flexible funding options for  spa equipment that let you build or expand your dream spa without depleting your savings.

Can You Finance Spa Equipment?

Yes! Spa owners can finance massage tables, facial machines, steam rooms, and more using equipment loans, leasing programs, or business credit options.

Why Finance Spa Equipment Instead of Paying Upfront?

Spa-grade equipment can easily cost $10,000 to $75,000+, depending on the services you offer. Instead of using all your capital upfront, financing allows you to:

• Preserve cash for marketing, payroll, and product inventory

• Offer higher-end services without waiting to save up

• Pay in predictable monthly installments

• Bundle delivery, setup, and warranties into one package

• Potentially deduct payments as business expenses (consult your CPA)

Related: Salon and Spa Equipment Leasing Options: Upgrading Your Space

What Spa Equipment Can Be Funded?

You can finance nearly everything needed to run a modern spa, including:

💆 Massage Equipment

• Electric or hydraulic massage tables

• Treatment beds with heating features

• Massage chairs and accessories

• Towel warmers and hot stone kits

✨ Facial & Aesthetic Machines

• Microdermabrasion units

• LED light therapy machines

• Facial steamers and extraction devices

• High-frequency and galvanic machines

🧖 Steam & Body Treatment Rooms

• Infrared saunas

• Full steam room enclosures

• Aromatherapy systems

• Vichy showers and hydrotherapy tubs

🪑 Furniture & Setup

• Reception desks and spa seating

• Storage cabinets and towel dispensers

• POS systems and appointment software

• Lighting and sound systems

Tip: You can often bundle multiple types of equipment into one loan or lease agreement.

Best Spa Equipment Financing Options

1. Equipment Loans

• Fixed interest and term (12–72 months)

• You own the equipment at the end

• Best for core machines like massage tables and steam systems

2. Equipment Leasing

• Lower upfront cost

• Option to upgrade or buy at lease end

• Ideal for fast-changing tech like facial or laser machines

3. Small Business Loans (SBA & Private)

• Covers renovations + equipment

• Use for large spa build-outs or expansions

• Longer terms and competitive rates

4. Vendor Financing

• Offered by many spa equipment suppliers

• Quick application process with bundled maintenance options

5. Business Line of Credit

• Flexible access for phased upgrades

• Use on-demand for tech, décor, or service enhancements

Related: Essential Tips for First-Time Equipment Leasing

Sample Spa Equipment Costs and Payment Estimates

What You Need to Apply for Spa Equipment Financing

Most lenders or leasing companies will ask for:

• Business license or EIN

• Equipment quote or invoice

• Business bank statements (last 3–6 months)

• Personal credit check (600+ preferred)

• Business plan or personal guarantor (for new spas)

Related: How to Choose the Right Equipment Leasing Company

Summary: Funding Spa Equipment (Snippet-Optimized ✅)

• Finance massage tables, facial machines, and steam rooms

• Use loans, leases, or SBA funding for flexibility

• Ideal for startups or expanding wellness businesses

Final Thoughts: Build the Spa Your Clients Deserve

From therapeutic massage tables to luxury steam rooms, your equipment sets the tone for the experience you deliver. With the right funding, you can build a high-end spa space that boosts client satisfaction and long-term profitability—without sacrificing your working capital.

Take Action: Apply for Spa Equipment Financing Today

Ready to elevate your spa?
Apply now for massage table, facial machine, and steam room financing and bring your vision to life with affordable monthly payments and fast approval.