Best Aesthetic Equipment Financing Companies for Med Spas (2026): 8 Compared

For med spa owners and practice managers. Updated October 2, 2026 · Prepared by Prospyr. Prospyr makes practice software, not loans or leases, and none of the companies below is a Prospyr product or partner. Each summary reflects what the company publishes on its own website, checked October 2026. Rates, credit rules and terms change quickly in equipment finance, so get every quote and buyout term in writing before you sign.

What does an aesthetic equipment financing company do?

An aesthetic equipment financing company pays the device maker for your laser, body contouring system or RF microneedling platform, and you repay it in fixed monthly payments, usually over 24 to 72 months. It does this through either an equipment loan (you own the device from day one, and it secures the loan) or a lease (the lender owns it until a $1, 10% or fair market value buyout at the end). Lenders differ on four things: how much they approve on a one-page application, whether they fund startups and non-physician-owned med spas, whether they finance used devices, and what the buyout costs.

The 8 aesthetic equipment financing companies at a glance

How we chose this list

We started with lenders and brokers whose own websites name aesthetic lasers, med spas or dermatology lasers as equipment they finance, then checked four things a practice manager can confirm before applying:

• Published terms. Term lengths, approval limits, rates or credit minimums on the website, not just "call us."
• Startup and ownership rules. Whether the lender says it funds new practices and med spas not owned by a physician.
• Used equipment. Whether pre-owned devices qualify, since many med spas buy certified used lasers.
• End-of-term clarity. Whether buyout options ($1, 10% or fair market value) are spelled out.

We left out patient financing companies (they lend to your patients, not your practice) and device manufacturers' own finance programs, which you will see in your quote anyway. The order is our editorial view, not a measure of results. If you are also financing a build-out or buying a practice, see our lists of SBA lenders for medical practices and practice acquisition lenders.

1. Trust Capital

Trust Capital is an equipment finance company headquartered in San Diego, California. It states it has financed medical lasers "since they came into the healthcare mainstream" and works with dermatologists, plastic surgeons, med spas and hair removal clinics. It says plainly that it finances non-MD-owned med spas, which some lenders decline.

What stands out:

• Published limits. Its aesthetic laser page lists approvals up to $300,000 on a one-page application and up to $5 million with financial disclosure. Startups can get up to $250,000 on a one-page application, or up to $3 million with financials.
• Startup rules in writing. A minimum 640 credit score, no bankruptcies in the last seven years and no unresolved tax liens, per its medical laser page.
• Terms and buyouts. 12 to 84 months (12 to 72 for startups), with $1, 10% and fair market value buyout options.
• Payment programs. It advertises $99 a month for the first six months, a 90-day deferral, and 0% for 24 months with a 20% buyout. No prepayment penalty after 18 months.
• Devices named. CoolSculpting, Ultherapy and NeoGraft systems, among others. New and used equipment, with no age limit stated.

Right for: a new or non-physician-owned med spa that wants to know the credit bar before it applies. Ask: which payment program fits your device, what the total cost is after the 0% or $99 period ends, and how the buyout is calculated.

2. Crestmont Capital

Crestmont Capital is an equipment finance and leasing company based in Irvine, California. Its aesthetic laser page covers loans and leases for medical practices, including freight, installation and tax, on new and used devices.

What stands out:

• Published rate floor. Rates "starting at 3.25%," with 24- to 72-month terms.
• Range. Loans from $10,000 to $2 million, up to 100% financed, no down payment required.
• Speed. It reports approvals in two to four hours and funding in one to two business days.
• Seasonal payments. Monthly, quarterly, semi-annual, seasonal or annual schedules, useful if laser hair removal is a winter-heavy service for you.
• Short application. One page plus a driver's license, a voided business check and the equipment quote.

Right for: a practice with steady credit that wants to compare a published starting rate with the device maker's offer. Ask: what rate your credit profile actually gets (3.25% is a floor, not a typical quote), whether it lends directly or places the deal with a partner, and whether the seasonal schedule raises total cost.

3. Financial Partners Group (FPG)

Financial Partners Group lists offices in Dover, New Hampshire and Red Bank, New Jersey, and holds a California Finance Lender license. Its aesthetics program finances lasers, body contouring, skin treatment platforms, vascular and pigmentation devices, treatment chairs and room build-out. Much of its aesthetic work runs through vendor programs, so it may be the lender behind the "financing available" line on a device quote.

What stands out:

• Vendor programs. It advertises two- to four-hour approvals for device sellers and access to more than 50 funding partners.
• Practices too. It also takes applications from practices directly.

Right for: a med spa whose device rep already offers financing and wants a second quote from a firm that knows the category. Ask: which of its 50+ funding partners will hold your contract, and whether any fee is built into the device price.

4. CMS Funding

CMS Funding (Resource Capital Placement Inc.) finances and leases medical equipment, with an aesthetic laser page aimed at practices adding new services. It publishes rates from 3.25%, 24- to 72-month terms, and monthly, quarterly, semi-annual, annual or seasonal payments. It lists up to $500,000 on an application alone and up to $10 million with financials, 100% financing on new or used equipment, and soft costs such as freight, installation and tax. It reports approvals in two to four hours and funding in one to two business days.

Right for: a practice adding several devices at once that wants a higher application-only limit. Ask: whether it funds the deal itself or places it with a partner lender, and what rate and term you actually qualify for.

5. Axiant Partners

Axiant Partners describes itself as a financing broker, not a lender, working in all 50 states. Its med spa guide covers equipment loans for lasers, body contouring, RF microneedling and IPL, plus SBA 7(a) loans for treatment-room build-outs and full clinic launches. It states that applying is free with no hard credit pull, that terms typically run 48 to 72 months, and that certified pre-owned devices qualify. It notes that a ground-up med spa is underwritten on the business plan, location, owner experience and medical director structure.

Right for: an owner opening a new location who wants equipment financing and an SBA loan compared in one place. Ask: how the broker is paid (lender fee or your fee), and which lender will service the loan after closing.

6. US Medical Funding

US Medical Funding, based in Incline Village, Nevada, reports lending to healthcare professionals since 1995. Its med spa page covers equipment financing and leasing for lasers, body sculpting devices, facial treatment systems and skincare technology. It advertises 24-hour pre-approval, practice loans from $100,000 to $75 million, conventional and SBA loans, and lists new start-ups among the goals it funds.

Right for: a larger project, such as a second location, where devices are one line in a bigger loan. Ask: the minimum for an equipment-only deal, and whether it lends directly.

7. H.I.L. Financial

H.I.L. Financial, based in Kirkland, Washington, finances equipment across many industries and has a salon and spa page focused on lasers. It states it has financed Alma, Cynosure and Viora lasers, new and used, with "no age or brand restrictions," and offers payment plans built around seasonal services like laser hair removal, plus upgrade options. Its homepage lists $5,000 to $10 million and funding often in under 24 hours.

Right for: a practice buying an older or less common laser that other lenders won't take. Ask: the rate and term for used equipment, and how an upgrade affects what you still owe.

8. Navitas Credit Corp.

Navitas Credit Corp. is a commercial equipment finance company in Ponte Vedra, Florida. Its healthcare page lists laser systems for dermatology among the equipment it finances and reports more than 15 years in medical equipment. Its homepage advertises $5,000 to $5 million, approvals in minutes, no hard credit pull, and programs for all credit profiles and start-ups.

Right for: a practice that wants a large, established generalist as a comparison quote. Ask: whether it has financed your specific device and how it treats a med spa without a physician owner.

Questions to ask any aesthetic equipment financing company

1. Is this a loan or a lease, and what is the buyout? A $1 buyout lease works like a loan. A fair market value lease has lower payments but an end-of-term price you should get in writing now.
2. What is the total cost? Ask for the rate, every fee and the total of all payments, not just the monthly figure. Compare it with the manufacturer's own offer.
3. Do you lend directly or broker the deal? Brokers can widen your options. Ask who holds the contract and who you call when something goes wrong.
4. What happens if I upgrade or sell the device? Lasers age fast. Ask about prepayment penalties, upgrade programs and payoff letters.
5. What are the startup and ownership rules? Credit minimums, time in business, personal guarantees, and whether a non-physician-owned med spa qualifies.
6. Does the device fit my state's rules? Financing approval says nothing about who may operate the device. Check your state's med spa licensing and delegation rules before you sign.
7. What does the device need to earn? Divide the monthly payment by your price per session to see how many treatments a month cover it.

Where Prospyr fits

The lender pays for the device; your practice software shows whether it pays you back. Prospyr's analytics show revenue by service and provider, so you can see sessions and revenue per device against the monthly payment, and packages help pre-sell laser series. If you're reviewing your practice software too, book a practice demo.

Frequently asked questions

Can a new med spa finance an aesthetic laser?

Yes, several lenders state they fund startups. Trust Capital, for example, publishes a 640 minimum credit score and up to $250,000 on a one-page application for startups. Expect a personal guarantee and closer review of your business plan and medical director setup.

Is it better to lease or finance a laser?

It depends on how long you plan to keep it. A loan or $1 buyout lease suits a device you will use for its full life, while a fair market value lease lowers payments and makes it easier to hand back older technology. Ask your accountant how each is treated for taxes, including Section 179.

Should I use the manufacturer's financing or a third-party lender?

Get both quotes. Manufacturer programs sometimes offer promotional rates, while independent lenders may finance used devices, other brands and soft costs. Compare total cost of payments, not the monthly figure.

Can I finance a used aesthetic laser?

Yes. Crestmont Capital, CMS Funding, Trust Capital and H.I.L. Financial all state they finance used equipment. Ask whether the rate or term changes for older devices, and get a service history from the seller.

Want your company considered?

We review this list quarterly. Lenders and brokers that finance equipment for med spas can send their website and what they offer practices to info@prospyrmed.com. Inclusion is editorial and not paid.

Editorial scope

This list is based on each company's public website, checked October 2026 with AI-assisted research. Companies did not review this article before publication. It is not financial advice, a guarantee of approval or terms, or a substitute for reading your contract and checking references. Read our methodology or report a correction.