Product · Path 01
Equipment financing for the device on your floor plan.
Purpose-built for med-spa clinics. $25k–$500k ticket, 24–72 month terms, installation and training folded into the financed amount. Read the eligible devices, the typical terms, the four situations owners actually use it in, and self-qualify with the monthly calculator before you spend sixty seconds on the intake.
Eligible devices
Five categories we underwrite.
The desk reads the device class against your service mix — not against an MCA / SBA vertical the lender has never seen. Common platforms in each category are listed for orientation; specialty platforms ship on the same equipment-financing structure.
Energy-based · Hair & skin
Lasers
Hair-removal classes (diode, alexandrite, Nd:YAG) and fractional / IPL skin platforms — Cynosure, Alma, Lumenis, Sciton, Cutera. The desk reads service mix, not just sticker price.
$80k – $350k tickets most common
Energy-based · Collagen & tone
RF / microneedling
RF-only platforms and RF-microneedling combinations — Morpheus8, Vivace, Potenza, Secret RF, Infini. Often paired with a laser on the same financing file.
$40k – $180k tickets most common
Energy-based · Body & fat
Body contouring
Cryolipolysis, HIFEM, radio-frequency lipolysis, and ultrasound lipolysis — CoolSculpting, EmSculpt, TruSculpt, SculpSure, Lipofirm. Larger tickets, longer terms.
$120k – $500k tickets most common
Hydration & exfoliation platform
Hydrafacial-class platforms
Hydrafacial, HydraFacial Syndeo, DiamondGlow, OxyGeneo. Lower ticket than energy-based devices but high utilization — often paired with membership cashflow on the same file.
$25k – $75k tickets most common
Regenerative · Injectable adjunct
PRP systems
PRP centrifuges and closed-system kits, often alongside hair-restoration and microneedling. Frequently bundled with another modality on a combined ticket.
$25k – $60k tickets most common
Loan terms
Six term-sheet reads.
What the desk sizes to on the first pass. APR bands, exact rates, and final terms come back after the file is read — the values below are the typical range the desk works inside.
Ticket size
$25k – $500k
Covers a single Hydrafacial platform up to a multi-device body-contouring suite. The desk sizes to a single equipment ticket per file.
Term band
24 – 72 months
Shorter terms for fast-paydown files (strong revenue base, established clinic). Longer terms to smooth the monthly against new-pipeline revenue ramps.
Soft-cost inclusion
Install + training included
Installation, on-site training, and shipping are folded into the financed amount. You do not pay cash out of pocket on top of the sticker for a financed device.
Collateral
The device itself
Equipment-secured structure — the financed device is the collateral. No blanket UCC on the practice, no general lien on the entity.
Speed
Close in 7 – 14 days
Same intake as MCA / SBA 504. The desk reads the file the same way the other products do — not a separate, slower vendor funnel.
Stackability
+ working capital + leasehold
Equipment financing is one of three coordinated tickets. Combine on the same intake with working capital for first-90-days payroll and SBA 504 for the build-out.
Use cases
Four situations that bring an owner here.
The desk sizes to the actual reason the device is on the floor plan. The four below cover north of ninety percent of intake files — specialty situations ship on the same structure.
New practice opening
Furnishing the flagship clinic or a brand-new aesthetic practice. Hydrafacial platform + RF/microneedling in month one, body contouring added at month six — staged on the same file.
Open-with-the-device · funded inside 14 days of signing the lease
Device upgrade
Trading an older device for the latest Cynosure, Sciton, or Alma platform. The desk treats the trade-in as a soft down-payment on the new ticket when it has clean payoff history.
Replace-with-the-better-spec · 60-day close window typical
Adding a second location
Replicating the flagship device stack at a second clinic, the second suit in the rental block. The desk sizes equipment financing to the second location pro-forma separately from the first.
Open-with-the-second-clinic · term aligned to leasehold
End-of-life replacement
The handpiece tube is out of spec, the laser head is past service life, or the manufacturer has dropped the platform. Refinance to the next-generation equivalent under the same monthly ceiling.
Replace-with-the-equivalent · avoid revenue downtime
Not on this list?The desk underwrites to the device, not the list. Send the make / model / spec sheet on intake and the desk reads it against your service mix — specialty tickets ship on the same equipment-financing structure.
Self-qualify in sixty seconds
See what your monthly would look like.
Plug in a price, a down, a term, an APR band. The desk reads this widget when it sees your intake — the same size and shape of conversation, before the term sheet.
Self-qualify in sixty seconds
See what your monthly would look like.
Drop in a price, a down payment, a term, and an APR band. The desk reads this widget when it sees your intake — the same size and shape of conversation, before the term sheet.
The sticker on the device, the platform, the chair.
Cash up front — reduces the financed amount and the monthly.
Equipment loans typically run 12–84 months.
Solid file with one thin quarter — modest spread over prime.
Your rough monthly
$1,522/mo
$70,000 financed · 60 mo · Prime + 4 (~11% APR)
This is illustrative — submit intake for a real quote. The desk prices the term sheet against your actual file; the bands above are rough ranges, not a commitment to fund.
Send the file to the desk
One short form. Three coordinated tickets.
Tell us the clinic, the device, and the situation. We respond inside one business day with a routing read and a funded-path estimate against the terms you just read.
See how this compares to MCA and SBA 504 →
Independent vertical-credit desk · MedGuild Capitalis not a lender. Device categories and term bands above are illustrative of the desk’s first-pass sizing — not a offer to fund, not a comment on any applicant’s specific file, and not a guarantee of term-sheet outcomes from any listed equipment-lender partner.