INDUSTRY SOLUTIONS
Funding for Day Spas & Med Spas
This is a business where growth comes in six-figure increments: the next device, the next treatment room, the next licensed hire. We give day spas and med spas fast, flexible working capital so a down laser, a booked-out schedule, or a growing membership book turns into revenue instead of a waiting list.
Soft credit pull, won't affect your score. No obligation.
Funding Amounts
$10,000 – $500,000
Approval Speed
4 – 8 hours
Credit
All credit profiles considered
Use
Devices, build-outs, payroll & more
THE CHALLENGE
Growth Comes in Six-Figure Increments
Spa demand is real and growing. The International Spa Association's 2025 study put U.S. spa revenue at $22.5 billion for 2024, up 5.8%, across 187 million visits, and the American Med Spa Association counted med spa locations jumping from 8,899 to 10,488 in a single year. The catch is that capturing that demand is capital-intensive in a way most service businesses aren't. In the Federal Reserve's 2025 Small Business Credit Survey, the most common reason firms sought financing was simply to cover operating expenses, and fewer than half of applicants received all the funding they asked for. Here's where the cash gets stuck in a spa.
The device is the business, and the device is six figures
Lasers, body-contouring platforms, and skin-resurfacing systems are FDA-regulated medical devices that routinely cost as much as a house down payment, and the treatment menu, the marketing, and the schedule are all built around them. When one goes down, its entire calendar stops earning while rent and payroll keep running. Buying, replacing, or upgrading a device out of the operating account is how healthy spas end up cash-poor.
Memberships smooth revenue and strain capacity
Recurring memberships are the best thing to happen to spa cash flow, and they come with a catch: every member is a monthly commitment to deliver services. AmSpa's report found an average of 73% of med spa patients are repeat patients. When the book grows, the constraint isn't demand, it's rooms and staff, and both have to be paid for before the new billing catches up.
Licensed talent is growing fast and hiring faster
Federal projections have massage therapist employment growing about 15% from 2024 to 2034 and skincare specialists nearly 7%, both much faster than the average occupation. A field growing that fast means your best esthetician always has another offer. Competitive pay, full columns, and a space worth working in are what keep them, and all three take capital.
Med spa overhead runs on compliance
On the medical side, oversight requirements vary state by state, and AmSpa notes the rules live in state statutes and medical board regulations. Medical direction, protocols, and training are ongoing costs that a bank's spreadsheet rarely has a line for. They're part of doing this business properly, and they're part of what working capital carries. Nail salons carry a compliance cost of their own, since mechanical codes now require source-capture ventilation at every manicure and pedicure station, and our nail salon financing covers that retrofit the same way.
Most of this industry is independent: AmSpa found 81% of med spas are single-location businesses. Independents don't have a corporate balance sheet behind the next device or build-out, and a bank's weeks-long process doesn't match a booked-out schedule. Our funding is sized to what the location produces and arrives in days.
How Day Spas & Med Spas Use Our Funding
Aesthetic Devices & Lasers
Finance the laser, body-contouring, or skin-resurfacing platform your clients keep asking for, or replace one that's gone down mid-schedule.
Treatment-Room Build-Outs
Add treatment rooms, plumbing, and finish work so capacity stops being the reason the schedule is full three weeks out.
Estheticians & Therapists
Recruit licensed estheticians and massage therapists in a fast-growing field, and cover payroll while new hires fill their columns.
Membership Growth
Fund the staffing and room capacity a growing membership book commits you to deliver, before the monthly billing catches up.
Renovation & Ambience
Refresh the space your prices depend on, from lobby to linens, without draining the operating account.
Marketing & Rebooking
Fund the campaigns, booking software, and loyalty programs that turn first visits into standing appointments.
One Application. We Match You to the Funding That Fits.
Most spas we fund use flexible working capital they can put toward anything. You don't need to know which product you want, apply once and we'll match you to what you qualify for.
Working Capital
Fast, flexible funding for payroll, marketing, inventory, or anything else the spa needs. This is where most spas and med spas start.
Learn MoreEquipment Financing
For aesthetic devices, lasers, hydrotherapy, and treatment tables, with terms up to 60 months and the equipment itself as collateral.
Learn MoreBusiness & SBA Loans
Lump-sum capital for the bigger moves: a treatment-room build-out, a full renovation, or acquiring another location.
Learn MoreBusiness Line of Credit
Revolving cash you draw as needed and repay as billing lands. A fit for retail and back-bar stock and the gap while a new device ramps up.
Learn MoreRevenue-Based Financing
Funding with repayment that flexes with your sales, easing off in slower months instead of staying fixed.
Learn MoreWhy Day Spas & Med Spas Choose Us
We've funded beauty and wellness businesses from single-room studios to multi-location spas. We know what a down laser does to a month's revenue, why a membership book is both an asset and an obligation, and how an independent competes with a chain for the same esthetician. Bring us the plan and the revenue, and we'll bring the capital and the speed.
See What You Qualify For- We understand membership, package, and per-visit revenue models
- Funding for devices, build-outs, payroll, or growth
- Approval in 4 – 8 hours, not weeks
- Soft credit pull that won't affect your score
- All credit profiles considered
- A dedicated advisor who knows the beauty and wellness industry
Simple Requirements to Get Started
If your spa or med spa has been operating for at least 6 months and generates $10,000 or more in monthly revenue, you're likely a fit.
6+ Months
In Business
$10K+
Monthly Revenue
All Credit
Profiles Welcome
See What You Qualify For
It takes less than 30 seconds. Soft credit pull, won't affect your score.
Day Spa & Med Spa Funding FAQs
What can I use the funding for?
Anything your spa needs. Day spas and med spas use Monera funding to finance aesthetic devices, build out treatment rooms, hire estheticians and massage therapists, grow membership programs, renovate, stock retail and back-bar product, and carry payroll through slower months. You apply once and we match you to the funding you qualify for.
How much can a spa or med spa borrow?
Funding generally ranges from $10,000 to $500,000. The amount you qualify for depends mostly on your monthly revenue and how long you've been in business, not on a single credit score.
Can I finance an aesthetic laser or body-contouring device?
Yes. Equipment financing covers aesthetic platforms with terms up to 60 months, with the device itself serving as collateral. These are regulated medical devices that routinely run into six figures, and financing one means the machine can start earning while it pays for itself, instead of draining a year's reserves on day one.
What if a device goes down mid-season?
That's one of the most urgent calls we get. When a laser is down, its whole treatment calendar stops earning while the lease, staff, and bookings keep moving. Fast working capital covers the repair or replacement in days, which matters more than rate when the schedule is bleeding.
How does funding fit a membership model?
Memberships smooth your revenue but they also commit you to deliver services every month, so growth in members demands more rooms and staff before the billing catches up. The American Med Spa Association's industry report found an average of 73% of med spa patients are repeat patients, which is exactly why capacity, not demand, is usually the constraint we're funding.
We're an independent, single-location spa. Is that a problem?
It's the norm. AmSpa's report found 81% of med spas are single-location businesses, and the day spa side of the industry looks similar. Our funding is built for independents: sized to the location's revenue, approved in 4 to 8 hours, and not contingent on being part of a chain.
Can I use funding to hire estheticians or massage therapists?
Yes. Federal projections show massage therapist employment growing about 15% from 2024 to 2034 and skincare specialists nearly 7%, both much faster than average, so licensed talent has options. Owners use funding for recruiting, guaranteed schedules while a new hire fills their column, and the payroll cushion that keeps a strong team.
Do you finance my clients' treatment packages?
No. We fund your business, not your customers. Patient and client financing programs like CareCredit are a different product entirely. Our funding goes to your spa, for devices, rooms, staff, and growth, and it complements client financing rather than replacing it.
Can you advise on med spa compliance or medical oversight?
No, and you should be wary of any funding company that claims to. Medical director and scope-of-practice rules vary by state, and the American Med Spa Association notes they live in state statutes and medical board rules. That's a question for your attorney and your state board. What we do is fund the business itself, quickly and without touching clinical decisions.
Is demand in this industry actually growing?
The industry's own numbers say yes. The International Spa Association's 2025 study put U.S. spa revenue at $22.5 billion for 2024, up 5.8%, across 187 million visits. On the medical side, AmSpa counted med spa locations growing from 8,899 in 2022 to 10,488 in 2023. Growth like that is the opportunity, and the capital to add capacity is how independents capture it.
Will applying affect my credit score?
No. Checking what you qualify for uses a soft credit pull that won't affect your score, and there's no obligation to move forward.
How fast can I get funded?
Approval typically comes within 4 to 8 hours, with funds following shortly after. That speed is the main reason owners choose us over a bank, where the same request can take weeks or months.
Do you fund other beauty businesses too?
Yes. We fund nail salons, hair salons and barbershops, lash and brow studios, and beauty businesses of every kind. See our Beauty & Personal Care page for the full picture.
Specialized Funding
Other Business Types We Fund
We build dedicated funding guides for specific business types. Explore others below, or see the full Beauty & Personal Care overview.
Insights
