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Financing for beauty, spa and aesthetics businesses
Aesthetic lasers, med-spa devices and salon or spa buildouts.
Estimate your paymentExample rate 9%
$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.
Continue to applicationThe 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.
| 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.
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.
Services
Financing for beauty & spa
Equipment LeasingGet the equipment your business needs and keep your cash. Lease structures for new and used equipment.
Equipment FinancingOwn your equipment from day one with a term loan built around your cash flow.
Working Capital LoansFunds for inventory, payroll and growth, for businesses bringing in over $15,000 a month.
