Med Spa Equipment Financing: How It Works and What It Costs

Many med spa owners don't pay cash for equipment. Med spa equipment financing lets you spread the cost of treatment tables, carts, and other big-ticket items over time. Here's how it works and what to expect.

Why Finance Instead of Paying Cash

Your first months typically burn cash on rent, payroll, and marketing before revenue stabilizes. Equipment is one big expense you can spread out, so financing it helps keep your reserves intact for the things you can't finance.

How It Works

1. You get an equipment quote (we do this through our Med Spa Build-Out Program). Need help building the list? Start with our med spa equipment list.
2. You apply with the quote. Approval is typically based on your business credit and time in business, or on your personal credit for startups.
3. The lender pays the supplier in full upfront; you pay the lender monthly.
4. At the end of the term, you often own the equipment outright (common structures include rent-to-own and $1 buyout). Confirm the end-of-term terms before you sign.

What It Costs

Structures vary, but equipment financing for med spas often runs 2 to 5 year terms with fixed monthly payments. The total cost depends on the equipment amount, term length, and your credit profile. Always compare the total of payments, not just the monthly number.

Through Mediplies, promotional 0% APR financing over 12 to 18 months may be available on major equipment such as exam tables, treatment chairs, refrigeration, and carts, with an online application and an instant decision. Smaller eligible orders can also be split into installments with Shop Pay at checkout. See our financing options for details.

For a sense of total budget by build-out tier, see how much it costs to open a med spa.

What Lenders Typically Want to See

• A real equipment list with pricing (not a guess)
• A business plan or proof of concept for startups
• Clean personal credit for new businesses without business history

Already operating as an established practice? You may also be able to buy on terms instead of financing. See how to buy medical equipment on purchase orders and net terms.

The Easy Path

We offer facility financing alongside our Med Spa Build-Out Program, so your quote and your financing options start in one place. Your equipment is priced and delivered together, and a build-out specialist can help you plan around your opening date.

Start your med spa build-out quote or call (888) 996-8983, Monday to Friday.