Business Funding For Health & Wellness

What is Health & Wellness Funding?

Business Type

Med spas, dental practices, chiropractic clinics, general practices, physical therapy centers, and outpatient wellness providers.

Revenue Level

$20K+ in monthly revenue with consistent collections.

Situation / Use Case

You need clinical or aesthetic equipment, want to expand treatment capacity, or need to bridge reimbursement timing.

Identify your biggest capital need

Equipment, buildout, payroll bridge, inventory, or expansion — each maps to a different best-fit product.

Match financing to the use case

Equipment financing for devices and chairs, working capital for reimbursement gaps, expansion funding for new rooms or locations.

Apply with practice and revenue details

Share monthly revenue, collections history, and basic business information so lenders can confirm fit.

Invest in capacity and patient care

Use funds to add treatment capacity, upgrade technology, stabilize cash flow, or open a new location.

Ideal scenarios

• You're investing in equipment that increases treatment capacity or revenue per visit
• You're adding rooms, renovating, or opening a new location
• Insurance or patient receivables are squeezing payroll and supply orders
• You need a flexible backstop for seasonal demand and operating gaps

When it might not fit

• Patient volume is structurally declining and unlikely to recover
• Equipment investment won't improve capacity, retention, or revenue
• Your collections cycle is unstable and hard to forecast

See health & wellness funding options for your business

Soft credit pull, no obligation. Most owners finish the application in under 60 seconds.

Equipment Financing

Lasers, diagnostic tools, dental chairs, treatment beds, and clinical technology.

Working Capital

Bridge reimbursement timing and cover payroll, supplies, and overhead.

Line of Credit

Flexible access to capital for seasonal demand and ongoing operating needs.

What is the best funding option for a med spa or wellness practice?

Equipment financing is the most common choice for aesthetic and clinical devices. Working capital and lines of credit are typical for bridging reimbursement timing and covering payroll. Expansion funding and term loans are used for buildouts, additional rooms, or new locations.

Can health and wellness practices finance equipment with limited credit?

Yes. Equipment financing is often secured by the device itself, which can help practices with lower credit or shorter history qualify. Down payments of 10-20% are common, and up to 30% for newer borrowers, per NerdWallet's 2026 guidance.

Can I get funding while waiting on insurance or patient payments?

Yes. Working capital and lines of credit are commonly used to bridge the gap between delivering care and receiving reimbursement, without disrupting payroll or supply orders.