Testimonials · Anonymized med-spa closing quotes
Six anonymized closing quotes from the desk.
Two per MedGuild product — equipment financing, MCA working capital, and SBA 504 real estate — from a med-spa owner you don’t see and a practice shape you do. Drawn from the same lender roster and underwriting logic the desk sizes the file against on intake, anonymized for the owner’s reading. If two or three of these settle against the situation that brought you here, the single intake on /apply is the next sixty seconds. For a single anonymized deal walked end-to-end — the owner's situation, the cash drain, the structure, the term sheet, and the time to fund — read /case-study. For a first-time practice file, see how a startup deal was structured.
Path 01 · Equipment financing
Device-stack closings, in the owner’s language.
How the desk sizes a $25k – $500k ticket to the device class on the floor plan — lasers, RF and microneedling, body contouring, hydrafacial-class platforms, PRP systems — and why the soft-cost-inclusive term sheet reads different from a generic small-business credit pull.
Path 01 · Equipment financing
Quote 01.01
“On our file, the desk folded installation and on-site training into the financed amount and sized term against the laser’s useful life instead of a credit-pull-style score. The 60-month payment lands where our break-even underwriting said it would — a soft-cost-inclusive ticket the bank route never quoted.”
- Deal
- Equipment financing · ~$65k diode-laser ticket
- Practice
- Solo-injector studio with adjacent laser room
- Region
- Mid-size city, Midwest US
Path 01 · Equipment financing
Quote 01.02
“A $90k RF / body-contouring upgrade across a 36-month term aligned to the device’s commercial depreciation; soft costs pre-folded into the principal. Two-portal submittals run 14 – 21 days; the desk landed a term sheet in 9.”
- Deal
- Equipment financing · ~$90k RF platform ticket
- Practice
- Two-provider aesthetic practice
- Region
- Pacific Northwest, OR
Path 02 · Working capital (MCA)
Working-capital closings, sized to the practice’s calendar.
How the desk sizes a $10k – $250k advance to the monthly card volume the spa actually runs — Q1 membership peak, August trough, the package-paydown cadence — instead of a fixed APR against a bank balance.
Path 02 · Working capital (MCA)
Quote 02.01
“Q1 membership pre-fund opens the same week the supplier invoices land; the desk sized the daily ACH against our August trough, not the headline receipts. Factor rate at 1.24 on a $50k advance and a payback curve we can model against the package-paydown cadence the practice already runs on.”
- Deal
- MCA · ~$50k advance · 1.24 factor
- Practice
- Membership-heavy med-spa studio
- Region
- Southeast, FL
Path 02 · Working capital (MCA)
Quote 02.02
“The working-capital gap is the deal. The desk underwrote our daily card volume against the quiet-day trough, not against the AP line the bank route priced. A $40k advance, 1.22 factor, weekday-only ACH remittance — fits the spa’s actual cadence.”
- Deal
- MCA · ~$40k advance · daily ACH
- Practice
- Three-provider multi-suite med-spa
- Region
- Mountain West, CO
Path 03 · SBA 504 real estate
Build-out and owner-occupant closings, on a 25-year amortization.
How the desk matches a med-spa clinic purchase or a second-location build-out to a 504 program — the bank 1st-mortgage tranche, the CDC debenture, the 10% owner-equity injection, and the owner-occupant language that keeps the file SBA-eligible.
Path 03 · SBA 504 real estate
Quote 03.01
“On our build-out file the desk put 10% owner equity, a bank 1st-mortgage tranche, and a CDC debenture on the same page — 25-year real-estate amortization behind the laser water-loop and dedicated electrical. Rate peg competition on the debenture is what a captive shop can’t match.”
- Deal
- SBA 504 · ~$400k leasehold build-out
- Practice
- Single-location owner-occupant practice
- Region
- Texas Triangle, TX
Path 03 · SBA 504 real estate
Quote 03.02
“Multi-clinic owner here. We bought the suite next door and the CDC + bank pairing let the desk close the loan-document trousseau on the same file as the construction draws. 10% equity, 25-year CDC tranche fixed at issuance, bank piece at the SBA-pegged rate. The owner-occupant language is what kept the file eligible.”
- Deal
- SBA 504 · ~$900k owner-occupant clinic purchase
- Practice
- Multi-clinic aesthetic group
- Region
- Mid-Atlantic, VA
Send the file to the desk
Walk the file to the desk.
Tell us the clinic, the device, the working-capital gap, or the build-out on the floor plan. We respond inside one business day with a routing read and a funded-path estimate against the three products above — equipment, MCA, or SBA 504. Same single intake, three coordinated tickets.
Independent vertical-credit desk · MedGuild Capitalis not a lender. The six closing quotes above are illustrative — anonymized for the owner’s reading and not an offer to fund, not a guarantee of terms, and not a comment on any applicant’s specific file. Actual term sheets come back inside one business day of the intake, sized against the clinic, the modality, the service mix, and the owner’s books.