Resources · Hub
One door in from a Google search.
Two grouped sets so an owner landing on the hub from a search for “med-spa financing calculator” or “how does SBA 504 work for med spas” can read the right piece in one click. If you are a first-time buyer, our recommended startup-financing read is the best place to start before you spend sixty seconds on the intake. Long-form editorial covers the funding process, the product comparison, startup financing, and three illustrative worked files; then five interactive estimators by product help you self-qualify.
In this hub
2 sections · 9 destinations · ~2 minGuides & Process
Four reading paths. One broker, three coordinated tickets.
Long-form pieces for an owner who wants to read before the intake. The desk’s process end-to-end, the product-vs-product comparison, a first-time-buyer startup guide, and three illustrative med-spa worked files at the funded-deal shape the desk actually closes.
Read 01
How it works
The desk moves the file from a 60-second intake to a funded-path estimate inside one business day, then routes the ticket to the lender on the roster the file actually fits.
Read more →Read 02
Equipment vs MCA vs SBA 504
Side-by-side read on ticket size, term, eligibility, and the situation each product actually funds — so the owner picks the product that fits, not the product the lender prefers.
Read more →Read 03
Startup financing · opening a new practice
A first-time-buyer guide to sizing the build-out, equipment, working capital, and owner equity before a brand-new practice reaches the desk.
Read more →Read 04
Sample deals · three illustrative med-spa files
A $75k laser equipment deal at the specialty band, a $50k MCA with a 1.25 factor and daily ACH, and a $400k SBA 504 leasehold build-out — rough monthly on each card, bank tranche and CDC debenture broken out.
Read more →Calculators & Tools
Five product estimators. Plug in numbers, see the monthly.
The same widget the desk reads when it sees your intake — sized against the device class, the membership peak, the August trough, or the leasehold build-out. Self-qualify before you walk the file in, so the first-pass response lands with the funnel already half-closed.
Estimator 01
Equipment financing · monthly payment estimator
Plug in a device price, a down, a term, an APR band. The same widget the desk reads when it sees your intake — sized against the device class (lasers, RF / microneedling, body contouring, hydrafacial-class, PRP).
Read more →Estimator 02
Merchant cash advance · cost-of-capital calculator
Size a working-capital advance against your monthly card volume — Q1 peak, August trough, package-paydown cadence — and see the real cost-of-capital on a factor-rate band before you take the advance.
Read more →Estimator 03
SBA 504 · owner-occupant real-estate estimator
Bank tranche + CDC debenture broken out, 10% owner equity, 25-year real-estate term behind it. Sized against the leasehold build-out, the dedicated electrical, the laser water-loop plumbing.
Read more →Estimator 04
Debt refinancing · pay-off math
Roll two or three med-spa credit lines, an MCA, an existing equipment note — into one payment. The estimator reads the rate-stack you carry today against the refinance quote the desk pulls.
Read more →Estimator 05
Equipment upgrade · trade-in + new-ticket estimator
Trade-in credit on the device being replaced, soft-cost inclusion on the new install, term sized to the new useful-life window. The upgrade path that ends the lease-renewal treadmill.
Read more →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 the calculator outputs above.
Apply for funding
Send the file to the desk.
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 calculators above — equipment, MCA, or SBA 504.
Independent vertical-credit desk · MedGuild Capitalis not a lender. Materials above are illustrative of the desk’s first-pass sizing and routing read — not an offer to fund, not a guarantee of term-sheet outcomes from any listed lender partner, and not a comment on any applicant’s specific file. Actual funded-path estimates come back inside one business day of the intake.