An esthetician showing a client the results of a treatment

Financing for beauty, spa and aesthetics businesses

Aesthetic lasers, med-spa devices and salon or spa buildouts.

Estimate your paymentExample rate 9%

Equipment cost

$1,967/month over 48 months

CBL funds up to $1,000,000

Example only, not a quote. The lease example includes a 10% buyout at the end of the term. Your rate depends on credit, time in business and the equipment.

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The short answer

CBL arranges financing for aesthetic lasers, body contouring and skin devices, and salon or spa buildouts. It suits med spas, clinics, salons and barbershops adding a device or opening a new location. Aesthetic equipment is expensive and changes quickly, so we look for lease structures that turn a large purchase into a monthly payment and leave room to upgrade later.

At a glance

CBL Financial is an equipment financing brokerage in Calgary, Alberta, that arranges beauty & spa equipment financing for businesses across Canada. Funding goes up to $1,000,000, terms run 24 to 72 months, and approvals can come the same day for straightforward files.

Beauty & Spa financing at a glance
What it is	Beauty & spa equipment financing, arranged through a lender network
Funding	Up to $1,000,000
Terms	24 to 72 months
Approval time	Same day possible for straightforward files
Where	Businesses across Canada, from a head office in Calgary, AB
Equipment	Aesthetic & hair-removal lasers, Body contouring devices, Microneedling & RF systems, Salon & barber buildouts, Med-spa treatment rooms
Sellers	New or used, from a dealer, auction or private seller
Rate and down payment	Set by the lender for each file, based on credit, the asset and its age

Aesthetic devices cost a lot, earn well per treatment, and newer models come out regularly, which makes them a natural fit for leasing. We finance lasers, body contouring and skin devices with structures that let you upgrade as the technology moves, plus buildout funding for new locations.

Salon equipment financing

For beauty salons and barbershops, we finance chairs, stations and full salon or barber buildouts, including leaseholds for a new location. Equipment can be new or used, and a buildout can be financed as one package instead of a stack of separate agreements.

Aesthetic equipment financing

Med spas and clinics finance aesthetic and hair-removal lasers, body contouring devices, microneedling and RF systems, and fitted treatment rooms. Some lenders run dedicated programs for aesthetic equipment, and we know who they are. Financing a beauty machine works like financing other equipment. The lender wants the vendor’s quote with the make, model and serial number.

Lease beauty and spa equipment

Aesthetic devices are expensive and newer models come out regularly, which makes leasing a natural fit. An equipment lease turns the purchase into a monthly payment. Where the lender offers trade-up options, you can move to a next-generation device during the term. At the end of the lease you can buy the equipment for a pre-set amount, upgrade or return it. Spa equipment is leased the same way.

Loans for beauty salons and spas

An equipment loan makes the device or the buildout yours from day one, which suits equipment you plan to keep for years. For costs that aren’t equipment, such as payroll, product inventory or a slow season, a working capital loan is sized on your revenue and needs monthly revenue over $15,000.

What lenders look at on a salon or spa file

the device or buildout list and the vendor’s quote
your recent business bank statements and time in business
the owner’s personal credit and any down payment

New locations and challenged credit are considered, and challenged credit usually changes the structure of the deal. Our guide to financing medical beauty equipment goes further into leasing, loans and vendor programs.

Common equipment we finance

Aesthetic & hair-removal lasers
Body contouring devices
Microneedling & RF systems
Salon & barber buildouts
Med-spa treatment rooms

Built for your industry

How beauty & spa financing works

Upgrade-friendly leases
Move to next-generation devices through trade-up options, where the lender offers them.
New location buildouts
Chairs, stations and leaseholds for expansion.
Device-specific lenders
Some lenders run dedicated programs for aesthetic equipment, and we know who they are.

FAQ

Questions owners ask

Can I upgrade an aesthetic device before the lease ends?

Some lenders offer trade-up options that let you move to a next-generation device during the lease, and we look for that structure when upgrades matter to you. At the end of any lease you can also buy the device for a pre-set amount, upgrade to newer equipment or return it.

Can a new salon or med spa get financing?

New locations are considered, usually with the equipment as security. Lenders look at the owner’s personal credit, the device or buildout list and its value, and any down payment. Chairs, stations and leaseholds for a new location can be financed, and a lease keeps cash free for opening costs.

What should I check before financing an aesthetic laser?

Medical devices sold in Canada are regulated by Health Canada, so confirm the device is authorized for sale here before you buy. Get a written quote from the vendor with the make, model and serial number, and check that the warranty and service terms cover the time you will be paying for the device.

What if my credit is less than perfect?

You may still qualify, though challenged credit usually changes the structure of the deal, for example a larger first payment or additional security. As a broker, we can take your file to other lenders when one says no.