Medical Spa Equipment Financing & Business Loans in Houston, Texas

Scan the options below, match your situation — buying a first laser, expanding a location, or stabilizing cash flow between big months — and go straight to the guide that fits. Each page has rates, lender names, and what you'll need to apply.

What to know before you pick a product

Houston's medspa market is dense and competitive. Devices like Morpheus8 platforms, diode lasers, and body-contouring systems routinely run $60,000–$250,000 per unit, and most owners are financing at least part of that cost. The product you choose matters as much as the lender, because the wrong structure — say, a merchant cash advance to buy a piece of capital equipment — can cost two to three times more than a purpose-built equipment loan.

Equipment financing (loans and leases) is the most common starting point. Approval typically takes 1–3 days, the equipment itself serves as collateral, and good-credit borrowers (700+ FICO) see rates in the 7–11% APR range. Down payments for qualified buyers run 10–20%; if your FICO is under 620, expect 20–30% down and a higher rate. Lenders review 12 months of bank statements, and your monthly debt service generally cannot exceed 45–50% of gross monthly revenue. This is the right tool for a single device purchase or a small equipment refresh.

SBA 7(a) loans make sense when you're acquiring a practice, doing a full build-out, or need more than equipment lenders typically offer. The max is $5,000,000, terms run up to 10 years on equipment (25 years on real estate), and 2026 rates sit in the 8.5–11% APR range. The SBA guarantees up to 85% of the loan, which is why banks will do deals they'd otherwise decline — but you need at least 24 months in business, a 640+ FICO minimum, and patience: approval takes 30–45 days. Guarantee and origination fees each run 1–3%, so factor those into your cost comparison. Owners in similar markets — including those evaluating SBA and lease structures in the Dallas–Fort Worth corridor — generally find the SBA path worth pursuing when the purchase exceeds $150,000 or includes real property.

Working capital loans and lines of credit fill a different gap: payroll during a slow quarter, a bulk injectables order, or a marketing push ahead of a new service launch. Rates mirror SBA pricing (8.5–11% APR through bank products) but online lenders can fund in 24–72 hours when you need speed over price. Avoid merchant cash advances for anything other than a genuine short-term emergency — the effective cost runs 80–150% APR equivalent, and daily repayment structures can compress the cash flow you were trying to protect.

A note on credit — fair-credit borrowers (620–679 FICO) are not shut out, but the math changes. Rates run 2–4 percentage points above what a 700+ borrower pays, and lenders scrutinize your debt service coverage ratio more closely; most want at least 1.25x coverage. If your score is borderline, pull your reports before applying — roughly one in five credit reports contains an error, and fixing one can move a score enough to change your tier.

Tax planning matters here. The Section 179 expensing limit for 2026 is $1,220,000, which means most single-device purchases can be fully expensed in year one. That deduction applies whether you buy outright or finance — and for Houston operators who are comparing equipment loan and lease structures for medspa startups, the tax treatment often tips the decision toward a loan over a true lease.

Owners outside the Houston metro who landed here while researching options should check the Amarillo, TX or Albuquerque, NM pages — the product mix is similar but lender availability and market dynamics differ enough to matter.