Med Spa Financing:5>1.
5 Lenders.
1 Consumer Application.
1 Performance Dashboard.
Say Goodbye to Your Single Lender Pain.
The Pain
Declines are BAD for business.
Declines cost you:
Patients and Revenue
One Lender = One Answer.
When one financing option doesn't fit, patients and clients may delay the care or treatment they came in for. A broader lender stack gives them another path forward.
The Patient Experience
A decline is personal.
No one wants to discuss a decline at the front desk or start another application. One application that routes to the next best-fit lender keeps the conversation moving.
Time and Money
Every consultation takes time and resources.
When a payment option falls through, your team loses time following up and the appointment or treatment may never move forward.
Representative Med Spa financing options
Why would you limit your clinic revenue with just one lender? Do not be restricted by old school lending solutions - power your clinic with a modern lending solution designed to perform.
Product options drawn from the current lender programs. These are representative product examples, not case studies. Terms, approvals and fees vary by product, applicant and state, and are disclosed at time of application.
Treatment plan, financed
Risk-Based Installment
- Fair credit and better
- 3 – 60 month terms
- Up to 24.99% APR
- Up to $25,000
Elective procedure, 0% promo
True 0% APR Promotional
- Prime and above
- 3 – 36 month terms
- 0% APR — not deferred interest
- Zero interest to the patient
Lower-credit patient, approved
Wide-Spectrum Installment
- All credit tiers (475+)
- 12 / 24 / 48 month programs
- Risk-based APR, varies by state
- Up to $15,000
Payment plan, in-house feel
Sub-Prime Installment Plan
- All credit tiers
- Up to 24 months
- 0% to the patient
- Up to $7,500
How Med Spa Financing Works
Application
One mobile-first application, under 3 minutes, soft credit pull.
Waterfall routes it
The application moves through the lender stack to the best-fit lender in real time.
Customer gets their offer
They see the best available offer for their credit profile — not a single lender's answer.
Merchant gets paid
Funding settles through the lender, tracked in one dashboard alongside every other application.
NO ANNUAL PLATFORM FEE.
NO ACCESS FEE. EVER.
Transaction-level rates and fees vary by product and are disclosed at time of application.
Med Spa Financing FAQ
What's the best patient financing platform for med spas offering Botox, fillers, and laser treatments?
*(This question is drawn near-verbatim from a real search query — see Master Prompt Section 7.)* One that doesn't stop at a single lender's answer. A waterfall covering multiple lenders across the credit spectrum means more clients get approved for the treatments they already want.
Can clients finance package or series treatments, not just one visit?
Yes — financing supports larger, multi-session packages, not only single-visit charges.
Is there a med spa financing option with no annual fee?
Yes. No annual platform fee, no access fee, ever. Transaction-level rates and fees vary by product and are disclosed at time of application.
What if a client is declined by one lender?
The application routes automatically to the next best-fit lender — one no isn't the final answer.
Does checking eligibility hurt the client's credit score?
No. Pre-qualification is a soft credit pull with no impact to the client's credit.
Back to all Medical & Wellness verticals.
Win More. Keep More.