Aesthetic Equipment Financing: How to Grow Your Practice Without Draining Capital

In today’s competitive aesthetic market, staying ahead means offering advanced treatments, delivered through state-of-the-art technology. From lasers and RF devices to body contouring platforms and imaging systems, aesthetic clinics, med spas, and cosmetic dermatology practices depend on modern equipment to attract and retain patients.

But cutting-edge tools often come with a hefty price tag—and that’s where aesthetic equipment financing becomes not just a smart option, but a strategic growth move.

Capital Preservation: Grow Without Giving Up Your Cash Reserves

Whether you’re expanding your treatment menu or upgrading outdated systems, large cash outlays can drain your operational budget. Financing allows your practice to preserve working capital, so you can continue investing in what matters—marketing campaigns, new hires, software upgrades, or opening a second location.

Rather than spending $100,000 upfront on a new laser system, for example, you can finance aesthetic equipment with predictable monthly payments. This approach provides liquidity, cushions seasonal fluctuations, and reduces financial strain—especially for small to mid-sized practices.

Understanding Your Options: Types of Financing Available

Medical spa financing isn’t one-size-fits-all. That’s why it’s important to understand the most relevant and practical structures available to aesthetic practices today:

1. Equipment Finance Agreements (EFAs)

• Provides ownership from day one—no end-of-term buyout.
• Simple, straightforward contracts with fixed monthly payments.
• Best suited for practices planning to keep the equipment long-term.
• Can include soft costs like shipping, training, and installation.

2. $1 Buyout Lease

• Structured like a lease, but with full ownership for just $1 at the end.
• Higher monthly payments than an EFA, but similar in outcome.
• Ideal for practices that want predictable payments but still prefer an end-of-term decision.

3. Deferred Payment Options

• Start using the equipment immediately while delaying payments for up to 90 days.
• Great for new service rollouts—gives you time to generate revenue before payments begin.
• Often used in tandem with EFAs or leases to align with cash flow and launch timelines.

2. Equipment Financing

• Offers ownership from day one.
• Best practices for planning to use the equipment long-term.
• Can include soft costs like shipping, training, and installation.

3. Vendor Financing

• Offered in partnership with your equipment supplier and a financing provider like FPG.
• Seamless experience, often includes promotional terms or deferred payment options.

With access to 25+ strategic funding partners, FPG matches practices with financing terms designed to fit their unique business models.

Tax Advantages: Maximize Section 179 & Depreciation

Financed equipment still qualifies for tax benefits like:

• Section 179 Tax Deduction: Deduct the full purchase price of financed or leased equipment in the year it’s put into use.
• Bonus Depreciation: Accelerate your tax write-offs to reduce taxable income.
• Operating Expense Deductions: Monthly lease payments may be deductible depending on structure.

By structuring the transaction wisely, equipment financing becomes a powerful tax strategy as well as a financial one.

Real-World Example: From Equipment Lease to ROI Growth

Case Study: The Face Place Med Spa
The Face Place leased a microdermabrasion machine through a tailored equipment financing solution. With no large down payment and deferred payments for 90 days, they were able to launch new treatments immediately.

They then used a working capital line to invest in marketing and supplies—generating patient demand from day one. Result? A revenue increase of 27% in six months, all while keeping their cash reserves intact.

Financial Flexibility & Risk Management

Predictable monthly payments give your practice the consistency it needs to plan ahead. With the right financing structure, you can:

• Avoid unexpected cash crunches
• Upgrade technology without straining your cash flow
• Offset inflation by locking in fixed payment terms
• Spread the cost of equipment over its useful life

By financing your equipment instead of purchasing outright, you preserve capital, minimize risk, and maintain agility—without delaying the growth of your practice.

How to Evaluate a Financing Partner

Not all financing providers are created equal. Here’s what to ask:

• Do they understand the aesthetic industry?

• Can they offer flexible terms across credit profiles?

• Will I get a dedicated point of contact?

• Is their process transparent—no hidden fees or bait-and-switch terms?

At FPG, we pride ourselves on being more than a lender—we’re a strategic partner. Our team offers real guidance, not just approval letters. We simplify the process and get you answers fast—often within hours. With 90% approval rates and deep industry expertise, we help practices like yours grow with confidence.

Final Thoughts: Fuel Your Practice’s Growth Without the Financial Strain

Aesthetic equipment financing empowers your clinic to grow smarter—not just bigger. It keeps your working capital in play, unlocks tax advantages, and provides the flexibility you need to scale without sacrificing stability.

Let FPG show you how financing can transform your practice into the one-stop destination your patients are looking for.

Talk to a financing specialist today at (603) 696-7076

  Or explore your options online at financialpc.com

FPG: Real People. Real Expertise. Real Growth.

Because we don’t just finance equipment—we fund possibilities.