MED SPAS • LINE OF CREDITMed spa financing — keep every treatment room booked
Loot offers med spas an unsecured business line of credit from $5,000 to $100,000. Use it to cover equipment, inventory and payroll, or give your spa the room to add a treatment room or new service line without draining the cash needed for everything else. Established med spas with 1+ year in business and $200K+ in annual revenue can check their options with a soft pull. Requests up to $30K get an instant decision, while larger requests may take a few more minutes.
No collateral
No hidden fees 
Same-day funding for $49
Med spa challenges: equipment, inventory and seasonal swings
Running a med spa means paying for laser and device equipment that can cost tens of thousands of dollars, keeping injectable and skincare inventory stocked before it's used, and paying injectors and estheticians on schedule. Demand can swing hard between a pre-summer or holiday rush and a quiet January, but rent, payroll and equipment financing don't swing with it.
Cover injector and esthetician payroll through slower months- Stock injectables and skincare inventory ahead of a busy season
- Invest in laser and device equipment without draining working cash
Where a med spa line of credit does the heavy lifting
Six moments when med spa cash flow needs backup — and how a Loot line of credit can help.
Stock injectable and skincare inventory ahead of demand
Botox, filler and professional skincare lines often need to be purchased and paid for before they're used in a treatment room. A line of credit can help a spa stock up ahead of a busy stretch without pulling cash away from payroll.
Invest in laser or device equipment
A new laser, body contouring device or skin treatment system can transform a spa's service menu, but it carries a large upfront cost. A line of credit can help a spa add or upgrade equipment without waiting to save up the full amount in cash.
Cover payroll through a slower month
Injectors, estheticians and front-desk staff still need to be paid when bookings slow down in January or after a holiday rush. A line of credit can help smooth the gap between a busy season and a quieter one.
Fund a new treatment room or service line
Adding a treatment room or launching a new service line can mean build-out costs, new equipment and additional training before the added capacity is fully booked. A line of credit can help a spa expand without draining the cash needed to run its existing rooms.
Cover staff training and certification costs
Injectors and technicians often need ongoing training and certification to run new devices or offer new treatments. A line of credit can help cover training costs so a spa can add services without waiting on cash to catch up.
Handle equipment repairs and downtime
A laser, laser chiller or treatment chair going down can take a room out of the schedule fast. A line of credit can help cover a same-day repair or replacement so bookings don't have to be canceled.
How a med spa line of credit helps
A business line of credit for med spas provides flexible capital for equipment, inventory and payroll. Draw loot when needed, repay as bookings come in, and keep every treatment room booked.
Loot for equipment
Draw capital instantly to invest in laser or device equipment.
No hidden costs
Only pay for what you use — no extra fees eating into your margins.
Fits any spa size
From a single-room studio to a multi-location group, the line flexes with your needs.
Trusted by med spas
Built by operators who understand equipment costs, inventory timing and seasonal demand swings. Transparent pricing, no hidden costs.
Speed that beats a slow month
From application to funding, Loot provides med spas with capital faster than bookings can bounce back.
Flexible like a treatment menu
Use a little or a lot. Repay as revenue comes in. Scale limits as the spa grows.
How a Loot line of credit works for a med spa
Say your spa needs $24,000 for a down payment on a new laser device, an injectable inventory restock, and injector payroll ahead of a holiday rush. With Loot, you can draw $24,000 from your approved line.
Before you confirm, you choose a fixed weekly repayment plan upfront, such as 16, 20, or 24 weeks. You see the total cost before you move forward.
If bookings pick up sooner than expected and you pay the draw off early, there is no prepayment penalty. Paying off early can save up to 50% of remaining fees.
As you repay, your line revolves — the funds become available again as you pay down the draw. Same-day approval is standard, decisions happen in minutes, and once approved, same-day funding is available for a $49 transfer fee.
Requirements for med spa financing
To qualify with Loot, your med spa needs:
1+ years
$200k+
None
Checking eligibility is a soft pull, so it does not impact your credit score, approved or not. Loot looks at real business cash flow, not just a credit score.
Med spa line of credit vs. term loan vs. business credit card
| Features | Business Line of Credit | Term Loan* | Business Credit Card |
|---|---|---|---|
| How you access funds | Draw from an approved credit line when your med spa needs funds | Receive one lump sum upfront | Use the card for purchases up to the credit limit |
| What you pay for | Only the amount you draw | The full loan amount* | Purchases made on the card |
| Repayment | Each draw has a fixed daily, weekly, bi-weekly, or monthly repayment plan chosen upfront | Usually fixed payments over a set term* | Minimum monthly payments, with added fees if a balance carries |
| Revolves? | Yes, the line revolves as you repay | No, it is a one-time loan* | Yes, available credit renews as you pay |
| Best for | Equipment, inventory, payroll timing, seasonal swings, expansion | Larger one-time purchases like a full treatment room build-out | Smaller purchases, subscriptions, or everyday expenses |
A term loan* can fit one large purchase. A business credit card can fit smaller daily expenses. A business line of credit can fit repeat med spa needs, like equipment, inventory restocks, payroll timing, and seasonal swings.
What med spas can use a line of credit for
- Laser, body contouring and skin treatment devices
- Injectable and professional skincare inventory
- Injector, esthetician and front-desk payroll
- Treatment room and equipment repairs
- Staff training and certification costs
- New treatment room or service line build-out
- Seasonal swings between busy and slow months
- Hiring, expansion, or new equipment
Draw funds when the spa needs them. Repay on the weekly plan you choose upfront. Keep your treasure chest available as you repay.
Financing for medical aesthetics practices
Financing for medical aesthetics practices can help owners manage equipment, inventory, and payroll costs. Injectable and skincare inventory often needs to be purchased before it's used in a treatment. A line of credit can help cover those costs while bookings catch up.
Financing for laser and body contouring med spas
Financing for laser and body contouring med spas can help cover the cost of a new device, which can run into the tens of thousands upfront. A line of credit can help a spa add equipment without waiting to save up the full amount in cash.
Financing for injectable-focused med spas
Financing for injectable-focused med spas can help cover Botox and filler inventory costs, which need to be paid for ahead of demand. A line of credit can help a spa stock up before a busy season without straining payroll.
Financing for multi-location med spa groups
Financing for multi-location med spa groups can help cover equipment and payroll costs across multiple locations at once. A line of credit can help keep every location booked while revenue lands on different schedules.
Financing for med spa staff training and certification
Financing for med spa staff training and certification can help cover the cost of getting injectors and technicians certified on new devices or treatments. A line of credit can help a spa expand its service menu without waiting on cash to catch up.
Financing for med spa equipment and technology upgrades
Financing for med spa equipment and technology upgrades can help cover the cost of a new laser, device, or treatment chair. With Loot, you can draw for the expense, see the total repayment before confirming, and pay it down early if bookings pick up sooner.
Don't take our word for it. Take theirs.
Loot funds small businesses across the US, and in our category we score in the top 5% of lenders for credibility, customer service, and user experience.
I will only use Loot
“I will only use Loot in the future for any financial needs my business might have and saying goodbye to everyone else!”
Med spa financing FAQs
Yes. Med spas can apply for a Loot business line of credit if they have 1+ year in business and $200K+ in annual revenue. Loot offers $5,000 to $100,000 with no collateral required.
Loot has no minimum FICO score requirement. Underwriting looks at real business cash flow, not just a credit score. Your spa still needs 1+ year in business and $200K+ in annual revenue to qualify.
Med spas can get a decision in minutes, and same-day approval is standard. Requests up to $30K get an instant decision, while larger requests may take a few more minutes.
Yes. Once approved, same-day funding is available for a $49 transfer fee. Transfer timing may depend on bank processing times and applicable cut-offs.
No. Checking eligibility with Loot is a soft pull. It does not impact your credit score, approved or not. You can review your options before deciding whether to draw from the line.
Yes. Med spas can use a Loot line of credit for laser, body contouring, and skin treatment devices. You see the total cost before confirming and only pay when you draw.
Yes. Med spas can use a Loot line of credit for injectable and skincare inventory, and injector and esthetician payroll. You choose a fixed weekly repayment plan upfront before confirming the draw.
Yes. A line of credit can help cover payroll, rent, and inventory costs during a slower month, and it revolves as you repay, so it's available again before the next busy season.
Apply for med spa financing today
Whether you need to keep equipment and inventory covered or want more room to add a treatment room or new service line, a business line of credit can give your spa working capital without draining the cash needed for everything else.
Get $5,000 to $100,000. Apply in under five minutes with a soft pull that won't affect your credit score. If approved, draw what you need, see the total cost before confirming, and keep your treasure chest available as you repay.
No collateralNo hidden fees Same-day funding for $49