Industry Funding

Business Loans & Funding for Med Spas and Aesthetic Practices

Med spas and aesthetic practices grow by continually investing in expensive technology — aesthetic devices that must be purchased before they generate a dollar of revenue, in a market where newer equipment reaches patients constantly and adding an in-demand treatment category ahead of competitors is a real advantage. Y Millennial Funding provides business funding for med spas, aesthetic practices, laser and skin clinics, and injectable-focused practices doing $250,000 or more in annual revenue. We underwrite based on revenue patterns and bank statement or card settlement strength rather than device collateral or credit score alone — which fits a practice whose main assets are depreciating, fast-turnover aesthetic devices rather than real estate. Funding is structured as a percentage of revenue, so remittance flexes with actual patient volume across busier and slower seasons. Med spa operators use funding to purchase aesthetic devices and equipment such as lasers, body contouring systems, IPL, and RF microneedling platforms; to build out new treatment rooms and open additional locations; to stock injectable and consumable inventory; to fund practice acquisition; and for marketing and patient acquisition in competitive local markets. Decisions are fast, which matters when a new device represents a time-sensitive opportunity to add a high-demand treatment or capture manufacturer pricing. A merchant cash advance is not a loan; it is the purchase of future receivables. Not all applicants qualify, and approval depends on revenue patterns, time in business, deposit consistency, and other factors.

Merchant cash advances are not loans. Funding amounts, terms, and timing vary based on business performance and underwriting. Not all applicants qualify.