Guide to Starting a Med Spa in 2025

This guide provides a step-by-step approach to launching your med spa, covering everything from licensing and compliance to funding and marketing.

The medical aesthetics industry is booming, with the U.S. med spa market projected to reach $25 billion by 2027. Whether you’re a medical professional or entrepreneur, opening a med spa can be a rewarding and profitable business—if you have the right strategy. This guide provides a step-by-step approach to launching your med spa, covering everything from licensing and compliance to funding and marketing.

Disclosure: This guide is for informational purposes only and does not constitute legal, financial, or medical advice. Med spa entrepreneurs and owners should consult with qualified professionals, including attorneys, accountants and medical advisors, to ensure compliance with state and federal regulations. Closings are subject to credit approval by T Bank.

Table of Contents

Building a Med Spa with Purpose

4 5 8 6

Defining Your Mission Licensing & Compliance Structuring Your Med Spa

Insurance

12 11 14 17 20 21 22 23 24

Choosing the Right Location Financial Planning and Budgeting

Services & Equipment

Hiring & Training Your Team

Branding & Marketing

Preparing for a Successful Launch

SBA Loans

Partnering with the Right Lender

Building a Med Spa with Purpose: The Foundation of Your Success

Opening a med spa isn’t just about offering treatments—it’s about creating a business that reflects your vision and serves your community. The most successful med spa owners start with a clear purpose that guides decisions, motivates their team, and builds lasting client relationships. Here’s what drives many entrepreneurs to enter the med spa industry: Financial Independence – A med spa can generate strong, recurring revenue, helping you build long-term financial stability. Work-Life Balance – Be your own boss, set your own schedule, and focus on what matters most. Creative Control – Build a brand that reflects your vision and offer services that align with your expertise. Passion for Aesthetics – If you love the aesthetics industry, owning a med spa allows you to turn that passion into a rewarding career. M aking an Impact – Help clients look and feel their best, boosting their confidence and well- being through personalized treatments. A strong purpose is the foundation of a successful med spa. When you start with a clear vision, every decision—from services to staffing to client experience—becomes more intentional, setting you up for long-term success.

For informational purposes only. Not legal, tax, or financial advice.

Defining Your Mission: The Core of Your Med Spa A well-defined mission keeps your business focused and purpose-driven as you grow. It’s more than just a statement—it’s a commitment to your clients, your team, and yourself. To craft a meaningful mission, consider these key questions: What transformation do you offer? Beyond aesthetics, how will your services improve the confidence and well-being of your clients? Who do you serve? Are you catering to a specific demographic, lifestyle, or set of needs? What values define your med spa? Will your brand emphasize integrity, innovation, client education, holistic wellness, or something else? Your mission statement should be clear, authentic, and actionable. It will shape your branding, influence your team culture, and set the expectations for your clients.

For example: "At [Med Spa Name], we help clients look and feel their best through personalized aesthetic treatments. We are committed to delivering exceptional results in a welcoming, professional environment where beauty and confidence go hand in hand."

Your mission is the foundation of everything you build. Keep it at the heart of your decisions as you bring your med spa vision to life.

For informational purposes only. Not legal, tax, or financial advice.

Licensing & Permits Checklist Each state has different requirements for operating a med spa. Below is a general checklist of key licenses and permits you may need: Business License – Required in most states to legally operate any business. Employer Identification Number (EIN) – Needed for tax purposes if hiring employees. Sales Tax Permit – Required if selling retail products (e.g., skincare lines). Medical Facility License – May be required depending on state laws and medical oversight structure. Zoning & Building Permits – Ensure your location is approved for medical and aesthetic services. Health Department Permit – Some states require compliance with health and sanitation regulations. Medical Director Agreement – If required, a formal contract between the med spa and a supervising physician. Licensing and Compliance Med spas operate at the intersection of healthcare and aesthetics, making compliance with state and federal regulations essential. Proper licensing ensures that your business meets legal requirements, protects clients, and maintains credibility in the industry. Finding State-Specific Requirements Licensing laws vary by state, and some states have strict corporate practice of medicine (CPOM) laws. To ensure compliance: Check with your state’s medical board – Each state’s board outlines who can own and operate a med spa. Consult a healthcare attorney – Especially in states with strict ownership laws. Use government resources – Websites like NCSL.org and AMA-assn.org provide healthcare- related legislative updates.

For informational purposes only. Not legal, tax, or financial advice.

Medical Oversight & Staffing Compliance Since med spas provide medical treatments, your business must follow state regulations regarding medical supervision and licensed providers. Medical Director Requirements by State Physician Ownership Required: In states like California, New York, and Texas, only a licensed physician can own a med spa. Non-physicians must partner with a medical doctor. Supervision Required but Ownership Flexible: In states like Florida and Georgia, non-physicians may own a med spa but must have a medical director overseeing treatments. Minimal or No Physician Oversight Required: Some states, like Nevada and Arizona, have looser regulations where certain aesthetic treatments can be performed without direct physician involvement. Treatment Restrictions & Provider Roles Only licensed medical professionals (RNs, PAs, or NPs) can administer injectables like Botox and dermal fillers. Medical records & informed consent forms must be maintained for all procedures to meet legal and insurance requirements. Training & certifications must be up to date for all employees administering medical treatments.

For informational purposes only. Not legal, tax, or financial advice.

Structuring Your Med Spa

Ensuring Compliance Med spas operate under both medical and business regulations. It’s crucial to understand the corporate practice of medicine laws in your state, which may dictate ownership rules, supervision requirements, and the scope of services non-physicians can provide. Consulting a healthcare attorney can help ensure your med spa is set up correctly from the start. Your business structure will affect everything from daily operations to long-term scalability. Choosing the right model will help you stay compliant, attract the right team, and create a sustainable foundation for success. MSO (Management Services Organization) Model – In states where non-physicians are prohibited from owning medical practices, an MSO structure allows entrepreneurs to operate a med spa while remaining compliant with medical regulations. Under this model, the MSO handles all business operations, including marketing, staffing, billing, and facility management, while a licensed physician (or physician-owned entity) oversees all medical treatments. Financially, the MSO and the physician entity enter into a contractual agreement, where the MSO provides administrative and support services in exchange for a management fee. This fee structure must be carefully structured to comply with state corporate practice of medicine laws and avoid violating fee-splitting regulations. Consulting with a healthcare attorney is strongly recommended to ensure proper setup and compliance. Independent vs. Franchise – Decide whether to build a unique brand or join an established med spa franchise. Franchises offer brand recognition, training, and operational support, but they come with fees and restrictions. An independent med spa allows for full creative and business control but requires building brand recognition from the ground up. Choosing Your Business Model Your business model defines how your med spa will operate, ensuring compliance with state regulations while aligning with your vision for growth. Physician-Owned or Partnership Model – Some states require med spas to be owned by a licensed physician or have direct medical oversight. If you’re a non-physician, you may need to partner with a doctor who serves as the medical director.

For informational purposes only. Not legal, tax, or financial advice.

OSHA & Sanitation Requirements To maintain a safe environment for staff and clients, your med spa must follow Occupational Safety and Health Administration (OSHA) guidelines: Proper disposal of medical waste (e.g., needles, gloves, used treatment materials). Sterilization procedures for equipment and treatment areas. Personal protective equipment (PPE) requirements for staff handling bloodborne pathogens (microneedling, injections, laser treatments). HIPAA & Client Data Protection Since med spas handle medical records and personal health information, compliance with the Health Insurance Portability and Accountability Act (HIPAA) is essential: Use a HIPAA-compliant booking and electronic medical record (EMR) system to store patient information securely. Train staff on privacy and data security protocols to protect client information. Implement secure payment processing to prevent financial data breaches. State-Specific Regulations Every state has unique laws governing the corporate practice of medicine and med spa operations. Consult an attorney or healthcare consultant to ensure full compliance before opening. Taking the time to meet licensing and compliance requirements upfront will protect your business from legal issues, enhance your credibility, and ensure a safe and professional experience for your clients.

For informational purposes only. Not legal, tax, or financial advice.

Insurance

Having the right insurance coverage is essential to protect your med spa from liability, property damage, and unexpected legal claims. Consider the following types of insurance:

Medical Malpractice Insurance Covers liability for treatments like injectables, laser procedures, and other medical aesthetic services. General Liability Insurance Protects against claims related to slips, falls, or other accidents on your premises. Professional Liability Insurance Covers potential claims of negligence or errors related to the services provided by licensed practitioners.

Workers' Compensation Insurance Required in most states if you have employees, covering workplace injuries. Property Insurance Protects your equipment, furniture, and facility from theft, fire, or other damages. Cyber Liability Insurance Helps safeguard client data in case of a data breach or cyberattack affecting patient records and financial transactions.

Ensuring your med spa has the right coverage will provide peace of mind and financial security, allowing you to focus on delivering excellent client care.

For informational purposes only. Not legal, tax, or financial advice.

Choosing the Right Location

Market Research: Evaluating Location Demand Before selecting a location, conduct market research to assess demand for aesthetic treatments in the area. Use these tools to gain insights: Google Trends – Analyze search volume for treatments like Botox, laser hair removal, and body contouring in your target area. Yelp & Google Reviews – Identify competing med spas, check their reviews, and assess customer sentiment. U.S. Census & Local Income Data – High-income neighborhoods are more likely to have a clientele willing to invest in self-care. Use tools like City-Data.com or local chamber of commerce reports. Social Media & Online Groups – Observe discussions in Facebook neighborhood groups or Reddit forums to see what potential customers are interested in. The location of your med spa plays a crucial role in its success, impacting client flow, revenue potential, and brand positioning. A well-chosen space enhances the customer experience, ensures compliance with regulations, and supports long-term growth.

Targeting the Right Demographics Your med spa should be located in an area with high demand for aesthetic treatments and a customer base willing to invest in self-care. Consider: Affluent Neighborhoods – Areas with high-income residents are more likely to seek regular aesthetic treatments. Look for communities with disposable income and a strong interest in beauty and wellness. Professional & Business Districts – Office workers and professionals often seek convenient, high-quality treatments that fit into their schedules. Being near a business hub can increase lunchtime and after-work appointments. Retail & Lifestyle Centers – Placing your med spa near high-end retail stores, gyms, or wellness businesses can help attract clients who prioritize health and beauty.

For informational purposes only. Not legal, tax, or financial advice.

Accessibility & Visibility Convenience is key when choosing a location. Ensure your med spa is: Easy to Find – A visible storefront with signage and branding helps attract walk- in traffic. Convenient for Clients – Consider proximity to major roads, highways, and public transportation. Ample Parking – Clients should have access to hassle-free, on-site parking or nearby garage options. ADA Compliant – Your facility should be accessible to all clients, including those with disabilities.

Lease Considerations Negotiating the right lease terms can save costs and prevent long- term issues. Keep in mind: Flexible Lease Terms – A shorter initial lease with renewal options allows for business growth and location adjustments. Tenant Improvement Allowance – Some landlords offer funding to help customize the space to fit your needs. Zoning & Usage Restrictions – Confirm that the space is legally zoned for medical and aesthetic services. Exclusivity Clause – Prevent direct competition by negotiating a clause that restricts the landlord from leasing to another med spa or aesthetic provider in the same building or plaza. Exit Strategy – Secure an early termination clause or subleasing options in case the location doesn’t perform as expected.

Optimizing Space & Layout Your med spa should provide a comfortable, efficient, and professional environment for both clients and staff. When evaluating potential spaces, consider: Reception & Waiting Area – A well-designed entry space should feel welcoming and professional, setting the tone for client experiences. Private Treatment Rooms – Ensure there is adequate space for multiple treatment rooms, each equipped with proper lighting, sinks, and storage. Compliance with Health & Safety Codes – Many states require handwashing sinks in treatment rooms, ventilation systems, and designated sanitation areas. Room for Expansion – If you plan to add new services in the future, consider a location that allows for business growth without needing to relocate.

Selecting the right location is one of the most important decisions for your med spa’s success. It affects client retention, revenue potential, and brand perception. Take the time to research market demand, assess local competition, and negotiate favorable lease terms to ensure your space supports both immediate success and long-term growth.

For informational purposes only. Not legal, tax, or financial advice.

Financial Planning and Budgeting

One of the first steps in financial planning is determining the initial investment needed to launch your med spa. Accurately estimating startup costs ensures you have the necessary funding in place and helps you create a realistic financial roadmap for your business. Startup Costs: One-Time vs. Recurring Expenses

Expense Category Lease & Buildout Equipment & Supplies Licensing & Permits Payroll & Staffing Marketing & Branding Software & Technology

Estimated Cost Range $50,000 – $250,000 $75,000 – $200,000

One-Time or Recurring? One-Time One-Time One-Time

$5,000 – $15,000 $10,000 – $50,000 $5,000 – $25,000 $2,000 – $10,000 $5,000 – $15,000 $10,000 – $30,000

Recurring (Monthly) Recurring (Monthly) Recurring (Monthly) Recurring (Annually) One-Time

Insurance (General, Malpractice, Cyber) Initial Inventory (Injectables, Skincare)

A clear understanding of your startup costs will help you secure the right financing, manage expenses effectively, and position your med spa for long-term success.

Revenue Projections: How Much Can You Earn? A well-structured revenue projection helps you understand how soon your med spa can break even and become profitable. Example Revenue Calculation: Average treatment price: $300 Clients per day: 8 Days open per month: 22 Projected monthly revenue: $52,800 (8 clients × $300 × 22 days) Consider seasonal fluctuations and promotional discounts that may impact revenue.

For informational purposes only. Not legal, tax, or financial advice.

Building Your Budget Once you’ve outlined your startup costs, the next step is to plan for ongoing expenses and optimize your budget for long-term success. Key Components of a Strong Budget

Contingency Planning – Set aside 3–6 months of operating expenses as a financial cushion for unexpected costs, equipment repairs, or economic shifts. Revenue Projections – Forecast income based on pricing, expected client volume, and market trends. Adjust projections for seasonal fluctuations and membership/subscription models.

Review & Adjust – Regularly analyze financial reports to identify opportunities to cut costs or reinvest in high-growth areas (e.g., marketing, equipment upgrades). Operating Expenses – Factor in recurring costs such as rent, payroll, insurance, technology, inventory restocking, and advertising.

Financial Projections Financial projections serve as a roadmap for your med spa’s growth and stability. They provide insight into profitability, cash flow, and financial health, helping you make informed decisions and plan strategically. Accurate projections are essential—overestimating revenue or underestimating expenses can lead to financial setbacks down the road. Key Financial Statements to Guide Your Med Spa Income Statement An income statement helps you track profitability by comparing your total revenue (service and retail sales) against operating expenses. You can calculate this manually, work with an accountant, or use bookkeeping software like QuickBooks to simplify tracking and ensure accuracy. Cash Flow Statement A cash flow statement monitors money coming in and going out of your business over time. This helps assess liquidity—your ability to cover expenses like payroll, rent, and supplies. Strong cash flow ensures financial stability and operational flexibility. Balance Sheet A balance sheet provides a snapshot of your business’s financial standing at a given moment. It details what you own (assets like equipment and accounts receivable) vs. what you owe (loans, leases, and outstanding expenses), helping you understand your overall financial position. 15 For informational purposes only. Not legal, tax, or financial advice.

Cost-Saving Strategies Without Compromising Quality Careful financial planning and budgeting are critical for a med spa’s success. Start by mapping out all startup costs and ongoing expenses, then look for ways to minimize costs without sacrificing quality Incorporating smart cost-saving strategies into your budget will keep your finances lean and improve cash flow. Here are some practical ways to reduce expenses: Invest in essential equipment first: Focus your initial budget on must-have treatment equipment and technology, and add more as your client base grows Avoid overspending on expensive devices (e.g. high-end lasers) before you have enough regular clientele to justify those investments Negotiate favorable lease terms: When securing a location, negotiate for tenant improvement allowances or flexible lease terms to reduce upfront build-out costs. Use your leverage as a tenant – some landlords may cover certain renovation expenses or offer rent-free periods during the setup phase if you ask. Outsource instead of hiring full-time: Rather than onboarding full-time staff for roles like marketing or bookkeeping, consider outsourcing these functions to freelancers or agencies. This limits payroll and benefits expenses since you only pay for the services you needand it lets you redirect funds toward core operations. Buy supplies in bulk: Purchase skincare products, injectables, and other treatment supplies in bulk to take advantage of volume discounts. Buying in larger quantities lowers the per-unit cost of items you use regularly, which can significantly improve your profit margins over time. Leverage low-cost marketing channels: Utilize organic social media, referral programs, and local SEO to attract clients before investing heavily in paid advertising. Building an online presence through free or low-cost channels (and encouraging word-of- mouth referrals) can effectively grow your clientele without straining your marketing budget. Managing costs effectively keeps overhead low and cash flow strong. Lower fixed expenses, like rent and payroll, provide more flexibility to cover bills and reinvest in growth. Actively track cash inflows and outflows using accounting software or spreadsheets to catch issues early. Reviewing expenses monthly helps identify overspending before it escalates. Aim to keep a cash reserve of about three months' operating expenses to handle slow periods or unexpected costs. A well- planned, flexible budget serves as a financial roadmap—adjust it as your med spa grows or market conditions shift. Staying on top of costs and cash flow ensures long-term financial health and sustainable growth.

For informational purposes only. Not legal, tax, or financial advice.

Services & Equipment The right services and equipment are critical to positioning your med spa for long-term success. Offering in-demand treatments backed by high-quality technology ensures client satisfaction, repeat business, and a competitive edge in the aesthetics industry. High-Demand, High-Margin Med Spa Treatments While every med spa’s service menu is unique, the most profitable treatments tend to be:

Injectables (Botox, Dermal Fillers, Neurotoxins) – Among the most sought- after aesthetic treatments, injectables provide quick results with minimal downtime, making them a high-margin, high-recurrence service. Average profit margins can be 50-70% per treatment. Body Contouring (CoolSculpting, Ultrasound Cavitation, Cryolipolysis) – Non-invasive fat reduction treatments are premium-priced services with strong demand. Machine costs are high, but each session can yield 75%+ profit margins over time.

Laser & RF Treatments (Laser Hair Removal, Skin Resurfacing, RF Skin Tightening) – These high-ticket procedures yield long-term results and have low product costs, leading to profit margins of 60%+ per session. These treatments offer a low initial investment and serve as entry-point services to encourage upsells to higher- ticket procedures. Medical-Grade Skincare (Chemical Peels, Microneedling, Customized Facials) – IV Therapy & Wellness Treatments – An emerging trend in med spas, IV hydration and vitamin drips can increase revenue while requiring minimal overhead.

Your service offerings should align with market demand, your team's expertise, and your business model. Consider future expansion opportunities and choose treatments that allow you to scale as your client base grows.

For informational purposes only. Not legal, tax, or financial advice.

Investing in the Right Equipment Your choice of equipment directly impacts treatment quality, client satisfaction, and long-term profitability. When selecting medical aesthetic devices, consider: FDA-Approved Devices – Ensure all equipment is FDA-cleared or approved for safety and effectiveness. Multi-Functionality – Devices that offer multiple treatments (e.g., combination IPL & laser systems) maximize revenue and optimize space. Brand Reputation & Support – Choose vendors with strong industry credibility, warranties, and ongoing training support. Financing Options – Med spa equipment is expensive, so explore financing such as leasing, equipment loans, or manufacturer payment plans to manage upfront costs.

Supplier & Vendor Partnerships Establishing relationships with trusted suppliers ensures you have access to high-quality medical-grade skincare products, injectables, and disposable supplies at competitive prices. Look for vendors that offer: Bulk Discounts & Flexible Payment Terms – Reduces operating costs while maintaining supply availability. Hands-On Training & Certification Programs – Many equipment providers offer on-site training and ongoing education to ensure staff proficiency. Ongoing Technical Support & Maintenance Plans – Keeping machines in top condition prevents costly repairs and treatment disruptions.

Estimated Equipment Costs To help with budgeting, here are approximate price ranges for essential med spa equipment: Estimated Cost Range $5,000 - $20,000 (initial supply) Equipment Type Injectables (Botox, Fillers, PRP Kits) Laser Hair Removal Machine IPL & Skin Rejuvenation Laser CoolSculpting / Body Contouring System Microneedling RF Devices Medical-Grade Skincare Products & Peels IV Therapy Setup These costs vary based on brand, new vs. refurbished status, and financing options. $50,000 - $200,000 $30,000 - $150,000 $75,000 - $150,000 $5,000 - $30,000 $2,000 - $10,000 $2,500 - $15,000

For informational purposes only. Not legal, tax, or financial advice.

Hiring & Training Your Team

Your team is the backbone of your med spa. The right staff will not only deliver high-quality treatments but also create a welcoming and professional environment that keeps clients coming back. Hiring experienced professionals and investing in ongoing training will set your med spa apart in an increasingly competitive industry. Key Roles to Fill

Medical Director (if required) – Some states require a licensed physician to oversee medical procedures and ensure compliance with healthcare regulations. Even if not legally required, having a medical director adds credibility and expertise to your practice. Licensed Estheticians – Experts in skincare treatments, facials, chemical peels, and non-invasive procedures. They play a crucial role in client education and long-term skincare planning.

Nurse Practitioners (NPs) or Physician Assistants (PAs) – These professionals can perform injectables, laser treatments, and certain medical-grade procedures under a physician’s supervision, depending on state laws. Front Desk & Office Manager – The first point of contact for clients, responsible for scheduling, managing payments, and creating a seamless customer experience. An organized, customer-focused team at the front desk enhances retention and referrals.

Prioritizing Ongoing Training The aesthetics industry is constantly evolving with new treatments, techniques, and technology. To remain competitive: Enroll staff in certification courses and continuing education on the latest trends and procedures. Partner with equipment vendors who offer on-site training for laser and body contouring devices. Hold quarterly team workshops to ensure consistent service quality and reinforce brand values. Encourage cross-training among team members to improve operational flexibility and efficiency.

A skilled, confident team delivers safe, effective treatments and provides an outstanding client experience. Investing in top talent and continuous training will not only elevate your med spa’s reputation but also drive long-term growth and profitability.

For informational purposes only. Not legal, tax, or financial advice.

Branding & Marketing

Effective branding and a smart marketing plan will help your med spa stand out and attract clients. Focus on the following key areas for maximum impact:

A consistent, professional brand builds trust and makes your med spa memorable: Cohesive Brand Identity: Develop a memorable logo and color scheme that reflect your med spa’s personality (e.g. luxury, wellness, clinical). Use these elements across all marketing materials for a unified look. Professional Website: Create an easy-to- navigate website that highlights your services and includes client testimonials. Integrate an online booking system so visitors can seamlessly schedule appointments. Consistency Across Channels: Maintain the same tone, style, and messaging everywhere — from your website and social media profiles to in-spa signage. This consistency reinforces your brand and helps clients recognize you easily. Branding & Online Presence

Set Up Google My Business: Create and verify your Google My Business profile. Ensure your address, hours, and contact details are accurate so you appear in local searches. Encourage satisfied clients to leave Google reviews to boost your credibility and visibility. 1. Run Targeted Facebook Ads: Use Facebook ads to reach your ideal local audience. Define a budget and target criteria (location, age, interests) to promote your top services or specials. This paid approach quickly drives awareness among potential clients in your community. Launch an Instagram Page with Engaging Content: Open an Instagram business account and post high-quality, engaging content. Share before-and-after treatment photos (with client consent), skincare tips, and behind-the-scenes videos. Consistent posts and use of relevant hashtags will build followers and showcase your expertise. 2. Digital Marketing Strategy: 3-Step Plan

Allocate 10–20% of Revenue: Plan to reinvest about 10–20% of your revenue into marketing efforts. Dedicating a portion of your budget to marketing ensures sustainable growth by continually attracting new clients. This investment covers digital ads, content creation, and other promotions to keep your med spa growing steadily. Marketing Budget & Growth

For informational purposes only. Not legal, tax, or financial advice.

Preparing for a Successful Launch Launching your med spa is more than just opening the doors – it's your first big chance to shine. Make it count by using high-impact strategies that create urgency, excitement, and immediate engagement from day one. Here's how to ensure your launch is a success:

Create Pre-Launch Excitement Partner with Local Influencers – Invite beauty and wellness influencers for preview treatments so they can share their experiences and generate buzz. Host a VIP Preview Event – Offer exclusive mini-treatments and gift bags to a select group of potential clients, community leaders, and influencers. Offer Limited-Time Promotions Launch Week Specials – Discounted treatment bundles or first-time client offers to encourage early bookings. Founders Club Memberships – Exclusive pricing or bonus treatments for the first wave of clients.

Ensure Seamless Booking & Payments Make sure your website and social media have easy booking options. Test your payment system in advance to avoid any launch-day hiccups. Maximize Word-of-Mouth from Day One Encourage Reviews – Ask early clients to leave reviews on Google and social media. Referral Incentives – Offer discounts or free add-ons for clients who bring a friend.

A well-executed launch sets the stage for long-term success. Build anticipation, create urgency, and make it easy for clients to book—and your med spa will be thriving from day one!

For informational purposes only. Not legal, tax, or financial advice.

SBA Loans: Fueling Your Med Spa’s Launch and Growth Launching your med spa is more than just opening the doors – it's your first big chance to shine. Make it count by using high-impact strategies that create urgency, excitement, and immediate engagement from day one. Here's how to ensure your launch is a success:

Why SBA Loans Work for Med Spas SBA loans are built for small business success. Here’s why they’re a strong option for med spa owners: Lower Down Payments – Typically around 10%, preserving cash for marketing, hiring, and equipment. Longer Terms – Up to 10–25 years depending on the loan, making monthly payments more manageable. Startup-Friendly Approval – SBA- backed loans make it easier for new businesses to qualify, especially with a strong business plan. Who Qualifies? Most med spas meet basic SBA eligibility: U.S.-based, for-profit business Owner-operated (not passive investment) Meet “small business” size standards Owners personally guarantee the loan You’ll also need a solid business plan and good credit—but that’s true for any financing.

SBA 504 Loans – Ideal for Real Estate & Equipment The SBA 504 loan helps you invest in long- term assets like: Buying or building your med spa location Purchasing large, high-cost equipment This program offers low, fixed interest rates and repayment terms of 20–25 years, with as little as 10% down. Leasehold improvements and buildout Debt refinance or business acquisition Loan amounts can go up to $5 million, and repayment terms can extend up to 10 years (or more for real estate). SBA 7(a) Loans – Flexible Funding for Your Launch The SBA 7(a) loan is versatile and widely used by med spa owners. It covers: Equipment and supplies Working capital (payroll, rent, marketing)

How to Get Started You’ll need to work with an SBA-approved lender. A good lender will guide you through the process, help determine the best loan structure, and handle the SBA paperwork. The bottom line: SBA loans can help you open your med spa with less cash upfront, better terms, and room to grow. The right loan—and the right lending partner—can make all the difference.

For informational purposes only. Not legal, tax, or financial advice.

Now that you’ve explored how SBA loans can support your med spa, the next step is finding a financial partner who understands the aesthetics industry and makes the process smooth. That’s where T Bank and Audrey Wendel come in. Why T Bank? At T Bank, we specialize in small business and professional lending—including SBA 7(a) and 504 loans tailored to healthcare and med spa clients. We know what it takes to launch a successful aesthetics business and are here to help you do it right. Industry-Specific Solutions – Loans built around your unique needs Startup-Friendly Approach – SBA lending designed with new business owners in mind Hands-On Guidance – Work directly with your lender—no phone trees, no confusion Meet Your Med Spa Financing Expert – Audrey Wendel Audrey Wendel, President of Professional & Executive Lending at T Bank, brings over a decade of experience helping small business owners secure the right funding. She takes a personal, responsive approach—walking you through each step and creating a financing plan that supports your goals. With Audrey and T Bank, you get more than just a loan—you get a long-term partner committed to your success. Let’s make your med spa happen. Partnering with the Right Lender: Financing Your Med Spa with Confidence

Take the next step toward staring your med spa today! Audrey Wendel Professional & Executive Market President 972.720.9026 | awendel@tbank.com

For informational purposes only. Not legal, tax, or financial advice.

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