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