About · The credit desk for med-spa
Meet the credit desk behind your med-spa funding file.
An independent, broker-only credit desk for med-spa and aesthetic-practice owners across the United States. We pre-screen the file, route the ticket to the right lender on a 15-lender equipment roster, a 3-CDC SBA 504 roster, or a multi-funder MCA roster, and read the term sheet against the practice’s seasonality — not a generic small-business scorecard. Read who the desk is, the three products brokered, the anonymized lender network, the one-business-day first-pass promise, and the US-wide geographic scope before you spend sixty seconds on the intake.
Who we are
Broker, not lender. The desk is the dispatch layer.
MedGuild Capital is an independent broker-only credit desk. Nothing on the file is originated on our balance sheet, and we are not a bank, a captive lender, or an MCA shop. We pre-screen the med-spa file, run vertical underwriting on the device class and the membership / package-paydown seasonality, and route the ticket to whichever lender on the roster the file actually fits — one of 15+ equipment lenders, one of 3 SBA 504 intermediaries / CDCs, or one of multiple MCA funders. The desk’s job is to price-match the file across the roster and read the term sheet back to the owner in med-spa language.
No balance-sheet origination
MedGuild is not the lender. The desk is free to place the file across the lender roster on the product the file actually fits.
Vertical underwriting only
Device class, membership peak, August trough, and package-paydown cadence are the inputs the desk reads — not a swap-the-funnel credit pull.
Underwriting in one business day
The first-pass response speed is the desk’s, not the lender’s. Same calendar day is the typical read; next business day is the floor.
Products brokered
Three products. One intake. Three coordinated tickets.
The desk brokers three products an aesthetic practice actually uses — the device stack, the working-capital gap, and the real-estate / build-out. The pages below document each product in full: the eligible use cases, the typical loan terms, the qualifying signals, and the timeline a med-spa owner reads side-by-side. The trio below cover north of ninety percent of intake files; specialty situations ship on the same coordinated-ticket structure.
Path 01
Equipment financing
When the asset itself is the deal. $25k–$500k ticket, 24–72 month terms, installation and training folded into the financed amount. Underwritten against the device class — lasers, RF / microneedling, body contouring, hydrafacial-class platforms, PRP systems — not against a generic credit pull.
Read equipment financing →Path 02
Merchant cash advance · working capital
When the cash gap is the deal. Pre-fund Q1 membership packages, consumable inventory, or fill the 30–90 day gap between the rebook window and the supplier remittance. Factor rate sized against Q1 peak and August trough.
Read merchant cash advance →Path 03
SBA 504 · owner-occupant real estate
When the build-out is the deal. Plumbing for the laser water loop, dedicated electrical for the new device, the consultation suite that closes higher-ticket packages, the storefront at the next clinic. 10% owner equity, 25-year real-estate term behind it.
Read SBA 504 →Lender network
An anonymized lender roster, sized for med-spa.
The desk writes to 15+ equipment lenders, 3 SBA 504 intermediaries / CDCs, and a multi-funder MCA roster — anonymized for the owner’s reading so the focus is on what the roster can price-match, not on which firm underwrote the file. The three cards below name the lending categories and what the roster gives the desk in each one.
Equipment · 15+ lenders
Soft-cost inclusion, 24–72 month variety.
The roster spans the specialty band (lasers / RF / body contouring) and the generalist band, so the desk can pre-fold installation, training, and shipping into the financed amount, and pick a term that aligns with the device’s useful-life depreciation.
SBA 504 · 3 intermediaries / CDCs
Rate competition, geographic footprint.
Three CDCs the desk writes to means rate peg competition on the debenture sale and a state-level CDC that’s already in the owner’s footprint for the loan documents. The desk handles the bank-piece trousseau in parallel.
MCA · multiple funders
Ticket-size & factor-rate variety.
The roster spans a factor-rate range from the lower-band 1.20 to the upper-band 1.35, and a ticket range from $10k (solo-injector warm-up) to $250k (multi-clinic working capital). Sized against Q1 peak / August trough of the practice’s monthly card volume.
Lender-side names are anonymized for the owner’s reading — the desk holds the relationship, the term sheet, and the funder routing on the actual file. Owner reads the funded-path estimate, the term sheet, and the closed deal; the desk reads the behind-the-scenes mechanics.
Why a broker
Why direct-to-lender is not the path the desk replaces.
A med-spa owner can apply to each lender directly. The four reasons that direct path is not the right read for a practice whose device / work-cap / build-out mix often crosses more than one product:
One intake, three coordinated tickets
The same file routes across all three products.
A single 60-second intake routes to the equipment lender, the MCA funder, AND the CDC on the same file — not three separate portal submissions, three separate doc requests, and three separate credit pulls by an owner already paying for the spa’s tech stack.
One-business-day first pass
The speed is the desk’s, not the lender’s.
The desk’s first pass lands inside one business day. The funder read that follows can take longer, but the routing read for the med-spa owner — the talkback on “what does the desk see, what does the desk need next” — is same-day.
Vertical underwriting
Devices, seasonality, terminology the desk knows.
A generic small-business scorecard reads card-receipts, time-in-business, and a state-aggregate industry code. The desk reads device class (lasers / RF / microneedling / body contouring), service mix, and the membership / package-paydown seasonality the practice actually runs.
No balance-sheet origination
MedGuild is free to place the file across the roster.
The desk’s job is to price-match across the lender roster against the file the practice actually presents. A captive lender or a single-product broker does not have that latitude — they anchor on the one product they fund.
Geographic scope
Coast-to-coast origination, US-only.
The desk originates in every US state. The lender roster covers all US time zones, so a file in any state routes to a funder whose own footprint covers the loan documents, the ACH remittance, and the renewal cadence without a same-day-time-zone compromise. SBA 504 CDCs each cover their own regions — the desk matches the file to the CDC whose territory covers the project’s county.
Service area
Med-spa and aesthetic-practice operators in all 50 states.
Solo-injector studios on the West Coast, multi-clinic groups in the South and Midwest, single-suite boutiques on the East Coast — the desk sizes to the practice shape and the state, then routes to the lender whose footprint matches the file.
Send the file to the desk
One short form. Three coordinated tickets.
The same single intake the desk reads on equipment financing, MCA, and SBA 504. Sixty seconds on the form, a 1-business-day underwriting response, and a routing read against the lender roster and product mix above.
Apply for funding
One short form. Three coordinated tickets.
Tell us the clinic, the modality, and the situation. We respond inside one business day with a routing read and a funded-path estimate against the desk roster above — equipment, MCA, or SBA 504.
Independent vertical-credit desk · MedGuild Capitalis not a lender. Lender-network figures above are stable directional ranges — anonymized for the owner’s reading and not an offer to fund, not a guarantee of term-sheet outcomes, and not a comment on any applicant’s specific file. Actual funded-path estimates come back inside one business day of the intake.