Sample deals · Illustrative med-spa files
Three illustrative med-spa funding files.
One worked example per MedGuild product — a $75k laser equipment-financing deal at the specialty band, a $50k MCA working-capital advance with a 1.25 factor and daily ACH, and a $400k SBA 504 leasehold build-out with the bank tranche and CDC debenture broken out. The “rough monthly” on each card uses the same descriptor-widget formula the monthly-payment estimator on /compare and /equipment-financing already self-qualifies against.
Three illustrative deals
The shape of each product, in med-spa language.
Each card is a single illustrative file — the ticket, the inputs that drive the rough monthly, and the supporting facts the desk reads on the actual intake. Numbers are illustrative, not a quote. The math below is the same descriptor formula you already see on /compare and /equipment-financing.
Illustrative figures only
The three deals on this page are illustrative examples — not an offer to fund, not a guarantee of terms, and not a comment on your specific file. The desk prices the actual term sheet against your intake: the clinic, the modality, the service mix, the owner’s books, and the situation that brought you here.
Equipment financing · Path 01
$75,000 laser purchase
Solo injector · Scottsdale, AZ · laser + RF practice
Inputs that drive the rough monthly
- Financed amount
- $70,000
- APR band
- 14% APR
- Term
- 60 mo
- Rough monthly
- $1,629 / mo
Financed amount (after $5k down): $70,000
60 monthly payments · fully amortizing
- APR band — Specialty equipment band · ~14% APR
- Down payment — $5,000 cash
- Soft costs — Install + training folded in
- Collateral — The laser itself
- Close window — 7 – 14 days from intake
Same loan the descriptor widget on /equipment-financing self-qualifies against — a $75k sticker, $5k down, 60 months at the specialty-equipment band.
Working capital · Path 02
$50,000 working-capital advance
Two-provider med-spa · Tampa, FL · Q1 inventory + payroll
Inputs that drive the rough monthly
- Financed amount
- $50,000
- APR band
- 14% APR
- Term
- 12 mo
- Rough monthly
- $4,489 / mo
$50,000 advance · 1.25 factor → $62,500 total payback
~120 business-day daily ACH structure
- APR band — Daily ACH · 120 paydays · illustrative 1.25 factor rate
- Factor rate — 1.25 (illustrative)
- Daily ACH — ~$521 / business day
- ≈ Monthly equivalent — See figure → uses same descriptor inputs
- Use of funds — Inventory + first-90-day payroll
The ≈ monthly equivalent uses the descriptor widget's same `(financed, 14% APR, 12 mo)` inputs so owners see one comparable monthly across products — not an APR compare for the MCA itself, which prices on factor, not amortization.
Leasehold build-out · Path 03
$400,000 leasehold build-out
Aesthetic practice · Austin, TX · second-location build-out
Inputs that drive the rough monthly
- Bank tranche (50%)
- $200,000
- Bank tranche APR
- 9% APR
- Term
- 300 mo (25 yr)
- Rough monthly
- $1,678 / mo
$40,000 owner equity (10%) · $200,000 bank 1st mortgage (50%) · $160,000 CDC debenture (40%)
25-year amortization on the bank tranche · 25-year fixed on the CDC
- APR band — Bank tranche ≈ 9% APR · CDC debenture fixed at issuance
- Owner equity — $40,000 (10% of project)
- CDC debenture — ~$935/mo · fixed at issuance
- Job-creation — Owner underwrites on retained FTE
- Total project — $400,000 leasehold + soft build-out
The "rough monthly" on the bank tranche uses the descriptor widget's same math. The CDC debenture rate is fixed at issuance and is labeled separately — SBA 504 rates are not set by an amortizing formula.
Send the file to the desk
Walk the file to the desk.
One short form. The desk reads the actual file and prices the term sheet against the three product shapes above — a $75k laser, a $50k working-capital draw, or a $400k leasehold build-out — and tells you which path fits.
Send the file to the desk
Walk the file to the desk.
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 illustrative deals above — equipment, MCA, or SBA 504.
Independent vertical-credit desk · MedGuild Capitalis not a lender. The three illustrative deals above are illustrative worked examples — not an offer to fund, not a guarantee of terms, and not a comment on any applicant’s specific file. Actual term sheets are priced against the clinic, the modality, the service mix, and the owner’s books.