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.
Yes! Spa owners can finance massage tables, facial machines, steam rooms, and more using equipment loans, leasing programs, or business credit options.
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
You can finance nearly everything needed to run a modern spa, including:
Electric or hydraulic massage tables
Treatment beds with heating features
Massage chairs and accessories
Towel warmers and hot stone kits
Microdermabrasion units
LED light therapy machines
Facial steamers and extraction devices
High-frequency and galvanic machines
Infrared saunas
Full steam room enclosures
Aromatherapy systems
Vichy showers and hydrotherapy tubs
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.
Fixed interest and term (12–72 months)
You own the equipment at the end
Best for core machines like massage tables and steam systems
Lower upfront cost
Option to upgrade or buy at lease end
Ideal for fast-changing tech like facial or laser machines
Covers renovations + equipment
Use for large spa build-outs or expansions
Longer terms and competitive rates
Offered by many spa equipment suppliers
Quick application process with bundled maintenance options
Use on-demand for tech, décor, or service enhancements
| Equipment/Package | Estimated Cost | Monthly (60 mos) |
|---|---|---|
| 2 electric massage tables | $6,000 | ~$110–$130/month |
| Full facial equipment station | $12,000 | ~$210–$240/month |
| Steam room build + spa tech bundle | $40,000 | ~$700–$850/month |
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)
Finance massage tables, facial machines, and steam rooms
Use loans, leases, or SBA funding for flexibility
Ideal for startups or expanding wellness businesses
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.
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.