Med Spa Working Capital Loans
Flexible Financing for Aesthetic Clinics, MedSpas & Wellness Providers
Even profitable Med Spa practices can face short-term cash flow gaps. Whether you’re launching a marketing campaign, onboarding new injectors or estheticians, upgrading aesthetic equipment, or expanding service lines, USMF provides fast, flexible working capital loans—without requiring personal collateral or burdensome documentation.
We specialize in supporting independent MedSpas, Med Spa wellness clinics, and physician-owned cosmetic practices. Our working capital programs are designed to keep your operations strong and your focus on delivering outstanding client outcomes.
- Loan amounts available up to $3,000,000
- Competitive interest rates starting as low as Prime
- All credit profiles considered—startups welcome
- Fixed-rate terms available up to 10 years
- Unsecured financing—no personal or business collateral required
- No prepayment penalties on select loan programs
- Fast access to funds for payroll, marketing, expansion, or emergencies
- Streamlined application process with minimal documentation
- Use funds freely for staffing, operational needs, or treatment room upgrades
