The aesthetic industry is evolving fast—new treatments, smarter devices, and increasing client expectations make staying competitive a constant challenge. For most med spas, innovation means investing in the latest technology. But with price tags that often run well into six figures, how do you stay on the leading edge without exhausting your capital? That’s where medical spa financing comes in.
This guide covers the top equipment investments worth financing, the best loan and lease options available, and how to plan upgrades that pay off.
From laser resurfacing to body contouring, today’s clients expect results—and they’re willing to pay premium rates to get them. High-tech equipment allows med spas to:
Offer in-demand services like RF microneedling, Emsculpt, or HydraFacials
Deliver faster, more comfortable treatments
Improve treatment outcomes and client satisfaction
Stay competitive in a saturated market
Justify premium pricing for advanced results
Modern technology isn’t just a nice-to-have—it’s your differentiator.
If you’re considering financing, focus on machines that boost revenue and efficiency. Top investments include:
Laser Hair Removal Systems ($50K–$150K)
Skin Tightening Devices (RF, Ultrasound) ($30K–$80K)
Body Contouring & Fat Reduction Machines ($75K–$200K)
Hydradermabrasion Platforms (e.g., HydraFacial) ($20K–$60K)
IPL & Photofacial Systems ($40K–$100K)
Injectables support tools like ultrasound vein-mapping or dermal filler warmers
EM Muscle Stimulation Systems (e.g., Emsculpt, TruSculpt) ($100K+)
Even basic upgrades like medical-grade treatment tables, CRM-integrated scheduling software, or consultation tablets can make a big impact.
This is the most popular option for med spa owners.
Borrow 100% of the equipment cost
Terms: 2–7 years
The equipment itself serves as collateral
Often includes flexible repayment and tax deductions (Section 179 eligible)
Best for: Purchasing new laser devices, contouring machines, and diagnostic tools.
The Small Business Administration’s flagship loan provides versatile funding.
Loan amounts up to $5 million
Use for equipment, working capital, buildouts, or staffing
Long repayment terms (10–25 years)
Competitive interest rates
Learn more at SBA.gov
Best for: Major med spa expansions or multi-purpose growth strategies.
Leasing lets you use the latest equipment without large upfront costs.
Pay monthly instead of buying outright
Upgrade to newer tech at lease end
Some leases include service, training, or warranty
May require a down payment or security deposit
Best for: Devices that may become outdated quickly or need regular upgrades.
Some manufacturers offer direct financing or promotional terms (0% APR, delayed payments).
Streamlined application
Bundled setup, warranty, and training
Useful for exclusive or proprietary tech
Tip: Always compare vendor terms with third-party lenders for the best deal.
Ideal for spas with ongoing needs—software upgrades, training, small tools.
Revolving access to funds
Use what you need, when you need it
Only pay interest on drawn amounts
Best for: Marketing, smaller tools, or short-term investments alongside tech purchases.
Audit your current service offerings and tech gaps
Research which new technologies align with your target clients
Get quotes and compare vendor pricing or bundles
Evaluate purchase vs. lease options based on ROI
Apply for financing with required documents: financials, business plan, credit score
Negotiate training, maintenance, and warranty inclusions
Market your upgraded services with launch offers or open houses
A medical spa in Miami used $120,000 in equipment financing to purchase a radiofrequency microneedling device, a new laser hair removal platform, and upgraded CRM software. In six months, their client base grew by 40%, average ticket size increased by 30%, and they opened a second treatment room to meet demand.
Overbuying before demand: Validate client interest before purchasing
Underestimating training time or costs: Ensure staff is properly certified
Not checking ROI: Expensive tech must align with your clientele and pricing
Ignoring vendor lock-in terms: Read leasing and warranty details carefully
SBA Loan Lender Match Tool
SCORE Mentorship for Health & Beauty Entrepreneurs
Medical spas thrive on innovation—and the best way to future-proof your business is by offering the most advanced, client-requested services. With the right financing, you can expand your treatment offerings, improve outcomes, and elevate your brand without sacrificing financial stability.
Let your med spa grow by investing smartly in cutting-edge technology—and watch your bookings, revenue, and reputation soar.