Tool

Medical Spa Loan Calculator

Estimate med spa startup or acquisition financing with laser and energy devices, treatment room buildout, injectables and skincare inventory, working capital, owner compensation, debt service, DSCR, and funding gaps.

Acquisition price / startup budget Lasers, energy devices, and equipment Treatment rooms, leasehold, and design Injectables, skincare inventory, and working capital Closing, legal, and professional costs Borrower cash contribution Med spa loan amount Annual interest rate % Term months Origination / lender fee % Fixed lender fees Projected annual revenue Injectables, products, and treatment supplies % Payroll, rent, and operating expense % Annual medical director / owner compensation Existing monthly debt service Target DSCR

Check treatment revenue after products, payroll, and owner pay

Medical spa financing often depends on treatment mix, average ticket, provider utilization, injectable and skincare cost, laser or energy-device leases, treatment room buildout, medical director compensation, owner pay, existing debt, and lender DSCR. Compare this estimate with the medical practice loan calculator, equipment financing calculator, business acquisition loan calculator, SBA 7(a) loan calculator, and DSCR calculator.

This calculator is an estimate for planning and comparison only. It does not provide lending, valuation, accounting, tax, legal, med spa management, medical director, compliance, payer, marketing, or clinical advice. Confirm numbers with your lender, CPA, attorney, broker, compliance advisor, and practice consultant.