Med spas
A device earns nothing until the bookings arrive, and the bookings depend on the launch. Here is the per-treatment math, a dated ramp, and why the device and the marketing are best funded in different ways.
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Updated October 13, 2026 · Merchant Fund Express
Finance the device over its working life and fund the launch campaign with a small revolving draw you repay from the first months of bookings. Funding both with one short advance puts a large weekly payment on top of the slowest months of the ramp. If you cannot name the provider who will run the device and the patients who are already asking for it, wait.
A med spa, 4 years open, about $85,000 a month in deposits, a 660 FICO, one treatment room free three days a week. It is adding a radiofrequency microneedling device quoted at $65,000.
| Line | Amount |
|---|---|
| Price per treatment | $750 |
| Single-use tip | −$90 |
| Provider pay per treatment | −$75 |
| Card fees and supplies | −$25 |
| Contribution per treatment | $560 |
The device payment, assumed at $1,690 a month, is covered by about 3 treatments a month ($1,690 ÷ $560). The launch is the larger risk: a $3,000 launch event in the first month and $4,000 a month of paid ads and promotion for three months, $15,000 in total.
Device delivered Monday, February 1, 2027. Equipment financing: $65,000, assumed $1,690 a month for 48 months, first payment March 1, 2027, last payment February 1, 2031, total repaid $81,120. The launch is drawn on a line of credit: $7,000 on February 1, $4,000 on March 1 and $4,000 on April 1, repaid $8,000 on May 1 and $7,000 on June 1, at an assumed 1.5% a month on the balance (published pricing starts at 1%), $600 in total.
| Month | Treatments | Contribution | Launch spend | Device payment | Line cost | Net | Cumulative |
|---|---|---|---|---|---|---|---|
| Feb 2027 | 6 | $3,360 | $7,000 | $0 | $105 | −$3,745 | −$3,745 |
| Mar 2027 | 14 | $7,840 | $4,000 | $1,690 | $165 | +$1,985 | −$1,760 |
| Apr 2027 | 24 | $13,440 | $4,000 | $1,690 | $225 | +$7,525 | +$5,765 |
| May 2027 | 34 | $19,040 | $0 | $1,690 | $105 | +$17,245 | +$23,010 |
| Jun 2027 | 42 | $23,520 | $0 | $1,690 | $0 | +$21,830 | +$44,840 |
The launch turns cumulative-positive in April, the third month. Forty-two treatments a month is about ten a week, which one room three days a week can hold.
All figures in worked examples are illustrations of the arithmetic, not offers or quotes. Real terms depend on your file and the funder.
Fund device and launch together with an $80,000 advance at an assumed factor of 1.30: $104,000 repaid in 40 weekly payments of $2,600, about $11,260 a month. In February the device contributes $3,360. The spa would carry about $7,900 of the payment from its other services in February and about $3,400 in March, on top of the launch spend, before the device has proved itself. That is the main reason to split the funding. An advance can still make sense for the launch alone, sized small, when the spa does not clear our first tier.
See equipment financing for spas, the spa cash flow guide and how to calculate a break-even point. Then apply in about 5 minutes.
In this illustration, about 3 treatments a month cover a $1,690 payment because each treatment contributes about $560. Use your own price, tip cost and provider pay.
It is usually better to finance the device over its life and fund the launch with a small revolving draw repaid from early bookings, so a large payment does not start during the slow first month.
In this example the cumulative position turns positive in the third month. A slower ramp pushes that out, which is why the launch budget should be written by month before you borrow.
A FICO of 500 is the minimum we consider. 600+ reads against the revenue-based tier and 650+ against the line of credit and term loan tier.
The revenue-based tier starts at 6 months in business. A newer spa should prove demand with existing services first.
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