What kinds of machines can be financed?
Laser and light devices, skin tightening and resurfacing systems, body contouring equipment, microneedling and facial devices, and similar treatment machines. These are higher-ticket purchases that earn per treatment, so the financing question is mostly about how fast bookings cover the payment.
Unlike a styling chair, a device often requires training, supplies and sometimes a licensed provider or medical oversight, depending on your state and the treatment. Build those costs into the plan before you finance the machine.
How do I size the purchase to bookings?
Estimate treatments per week, multiply by your price per treatment, subtract supplies and provider time, and compare what is left to the monthly payment. If the machine only pays for itself at a level of bookings you have never reached, the purchase is too early.
Start with the number of clients you already have who ask for the treatment, not the number you hope to attract. A waitlist or repeat requests are a stronger signal than a good demo.
| Option | Best for | Watch for |
|---|---|---|
| Equipment & device financing | A specific machine you are buying | Total payback and whether the term outlasts the device |
| Working capital | Machine plus training, supplies and marketing | Repayment pace against slow weeks |
| Term loan | A treatment room build-out together with the device | Longer terms lower payments but raise total cost |
What should I compare before I sign?
Total repayment in dollars, the term, the payment amount and schedule, and any fees. Also ask what happens to training and service support, because those costs sit outside the financing.
Compare at least two structures. A shorter term raises the payment but reduces what you pay overall, and the reverse is true for longer terms. If you are adding treatments to an existing salon, see how owners handle adding med spa services and treatment room build-outs.
Updated October 24, 2026 · BeautyFundr Funding Team
Frequently asked questions
Can I finance a laser or aesthetic device for a new business?
It depends on time in business and revenue. Apply with your actual figures to see which options fit.
Does the device itself secure the financing?
With equipment financing, the purchase typically backs the deal, which is one reason it can be easier to qualify for than unsecured options.
Should I buy new or used?
New devices come with warranty and support; used can cost less. Make sure the supplier invoice is clear and that service is available.
Can I include training and supplies?
Working capital is more flexible for mixed costs. Equipment financing is usually tied to the machine itself.