The credit desk purpose-built for med-spa operators.
Equipment, working-capital, and leasehold financing packaged under a single intake, underwritten against the specific economics of an aesthetic practice — and routed to the funder set that already understands a treatment room.
Crescent Skincare · Tampa FL
$78K diode · $104K RF platform
$182,400
Lumière Aesthetics · Pasadena CA
Membership pre-funding · package gap
$64,000
North Bay Laser Studio · Concord NH
2,400 sqft build-out · SBA 504
$246,000
Indicative file mix — single intake, three coordinated tickets.
The three desks
One intake. Three coordinated tickets.
Aesthetic medicine is unusually equipment-heavy, unusually cash-volatile, and one of the most leasehold-driven service verticals in the country. We package the three needs under a single file so the clinic signs once instead of juggling three brokers.
A new laser shouldn't take a quarter.
We underwrite against the device, not the swap-the-funnel scorecard. $90,000 diode, $185,000 RF platform, body-contouring rig — the desk prices depreciation, treatment mix, and rebook cycle, then routes to SBA-backed equipment lenders who accept the asset as collateral.
- Tickets from $25K to $1.5M, structured around the device economics.
- Refi of existing equipment debt when the practice matures.
File · E-2281
- Asset
- Diode 808
- Price
- $182,400
- Useful life
- 7 yr
- Depreciation · 1y
- $26,058
Window · 48 hours
Weekly cash flow from memberships, not a quarterly grab.
MCA or revenue-based capital priced against the weekly churn of memberships and package paydowns, with the seasonal tax-day aesthetic swing already modeled in.
- Short-cycle fuel: $25K–$500K, days, not months.
- Commission sits on top of the lender's disclosed factor rate.
A retail bay doesn't become a treatment room on a credit card.
Build-out dollars — plumbing for the laser water loop, dedicated electrical, the consultation suite, the storefront — sit on a different timeline than the equipment and the memberships. We wrap them in SBA 504 alongside the owner-occupied real estate term so the long tail doesn't stall the short tail.
Build-out · line items
- Plumbing · treatment room$18,200
- Dedicated electrical 240V$14,600
- Consultation suite$22,400
- Frontage & signage$9,800
Funding stream · parallel
- 1
SBA 504
Equipment + owner-occupied real estate
- 2
Senior facility
Inventory · consumables · device refi
- 3
MCA / revenue-based
Short-cycle working capital
Underwriting
We underwrite a treatment room.
Generalist desks price the same file as a roofing contractor and a pizza franchise. Aesthetic medicine has its own math. The desk reads that math before it routes — that's why a ticket lands with a partner who already accepts the answer.
Rebook cycle
11.4 wk
Median rebook on a $90K laser deal across active lendees.
Membership pull
94%
Of opened memberships finish paydown inside 18 weeks.
Build-out $/sqft
$72
Treatment-room specific. Excludes pure retail.
Device useful life
5–9 yr
Varies by modality. Drives amortization and refi timing.
Process
From a 90-second intake to a signed term sheet.
- 01
Single intake
One short form covers equipment, working-capital, and leasehold needs together. We ask what generalists skip.
- 02
Vertical underwriting
The desk reads the treatment mix, membership pull, and build-out math before pricing. We arrive with the answer, not the lead.
- 03
Curated routing
SBA 504 partner for equipment + real estate, MCA or revenue-based for short-cycle, senior facility for the consumables line. Each ticket to the right desk.
- 04
One point of accountability
For compliance, renewals, and refis across all three tickets. You don't juggle three brokers after close.
Why a desk, not a marketplace
Generalist aggregators spray your file to whoever bites first.
A med-spa is not a roofing contractor. LendingTree, Lendio, and Biz2Credit sell the same application to dozens of unrelated funders and price the desk's commission into a stacked rate. We don't swap funnels — we underwrite, then route.
Dimension
Generalist aggregator
MedGuild Capital
Underwriting depth
Scorecard + zip + revenue.
Treatment mix, rebook cycle, device depreciation.
Product routing
One application, dozens of unrelated funders.
Curated partner set — SBA 504, MCA, senior facility.
Pricing transparency
Commission baked into the rate stack.
Commission sits honestly on top of the lender factor rate.
Accountability
You juggle a half-dozen funded relationships.
One point of contact for compliance, renewals, refis.
FAQ
Receipts, asks, and good-faith answers.
Nothing here replaces reading the term sheet before you sign. These are the questions clinics ask before they pick up the phone.
Open intake
One short form, three coordinated tickets.
Email an intake request with the clinic name, modality, and which desk you need us to start on. We respond inside one business day with the routing read and a funded-path estimate.
At-a-glance
- Reach
- 50 states · US-only
- Window · short cycle
- ≤ 48 hr · < $250K
- Window · SBA stream
- Parallel · longer calendar
- Commission
- On top of lender rate
- Contact
- medguild-capital@polsia.app
Who we are
MedGuild Capital is a credit desk arranging financing for med-spa clinics, aesthetic practices, and laser boutiques across the United States. We are not a lender.
Disclosure of fees
Where applicable, desk compensation is disclosed on a separate line from the lender's factor rate. Commission rates vary by ticket size, product, and partner. We confirm both numbers on the term sheet you sign.
No guarantee of funding
Underwriting and funding are performed by our partner institutions. Submission of an intake does not constitute a commitment to fund. SBA, MCA, and senior facility products carry their own regulatory disclosures, which we surface before close.