What is the best business funding for spas & med spas?

The most common options for spas & med spas are equipment financing, merchant cash advance, business term loans, business line of credit. The best fit depends on your time in business, revenue, credit and what the funds are for.

Can spas & med spas get funding with bad credit?

Often yes. Revenue-based products such as merchant cash advances and collateral-backed products like equipment financing weigh revenue and assets more than credit.

How much funding can spas & med spas get?

Revenue-based providers commonly approve about 50%–150% of average monthly revenue. Term and SBA loans may go higher for established businesses.

What documents do spas & med spas need?

Usually 3–4 months of business bank statements, ID and a voided check; larger loans add tax returns and financial statements.

Industry funding

Business Funding for Spas & Med Spas

The most common business funding options for spas & med spas are equipment financing, merchant cash advance, business term loans and business line of credit. Aesthetic devices are expensive and commonly financed or leased.

Last updated October 23, 2026

Typical funding needs for spas & med spas

Laser and aesthetic equipment
Build-outs
Marketing

Funding options compared

Comparison of business funding options (industry estimates)
Option	Amount	Term	Typical cost	Speed	Credit
Equipment Financing	$5k – $5M	2 – 7 years	6% – 30% APR	1 – 10 days	600+
Merchant Cash Advance	$5k – $500k+	3 – 18 months	1.10 – 1.50 factor	24 – 72 hours	500+ often accepted
Business Term Loans	$25k – $2M	1 – 10 years	8% – 45% APR	1 day – 4 weeks	650 – 680+
Business Line of Credit	$10k – $500k	Revolving; draws 6–24 mo	10% – 60% APR	1 – 7 days	600 – 680+

Typical requirements

6–24 months in business depending on product
$10k+ in monthly revenue for revenue-based options
3–4 months of business bank statements
580–680+ credit depending on product

Frequently asked questions

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Written by

BusinessFundingQuote Editorial Team

Small business finance writers

Reviewed by

Funding Review Desk

Reviewed for accuracy against current market practices

Rates and ranges on this page are typical market estimates for educational purposes, not offers. How we make money.