Specialized Financing for Aesthetics, Wellness & Longevity
Equipment financing built for Canadian aesthetic and wellness clinics.
Aesthetic Capital helps independent clinics across Canada finance the technology behind modern aesthetics and wellness: lasers, body contouring systems, red light therapy, DEXA scanners, phototherapy systems, and surgical technology. We structure the financing, navigate lender approvals, and launch every device with a plan behind it.
Buying the equipment is one decision. Making it profitable is another. We handle both.
Financing That Fits
Every clinic is different. Your financing should be too.
Whether you're opening your first treatment room, launching a wellness studio, or expanding a multi-provider surgical practice, financing should support your growth, not slow it down. We structure financing around your business, your cash flow, and your long-term goals.
Startups
Opening your first clinic, studio, or lounge and financing your first major device. No established business credit required.
Growing Businesses
Adding services, locations, or treatment capacity without draining operating capital.
Established Practices
Replacing aging technology or upgrading to the latest generation of equipment.
Who We Serve & What We Finance
Built for the full spectrum of aesthetics and wellness.
Medical Aesthetics Clinics
Laser platforms, IPL systems, body contouring, RF microneedling, HydraFacial, injectable equipment, EMS sculpting, and hair restoration.
Plastic Surgery Practices
Surgical and OR equipment, operating room technology, imaging systems, medical furniture, and recovery suite buildouts.
Wellness Studios
Red light therapy panels and beds, infrared saunas, cold plunge systems, compression therapy, and hyperbaric chambers.
Dermatology & Skin Clinics
Medical-grade lasers, phototherapy systems, skin tightening, cryolipolysis, dermoscopy, and diagnostic skin imaging.
Longevity & Diagnostics Clinics
DEXA scanners, body composition analyzers, digital and diagnostic imaging, lab equipment, and hormone therapy and GLP-1 program clinics.
Cosmetic Dentistry Practices
CBCT and dental imaging, CAD/CAM milling systems, dental lasers, intraoral scanners, and operatory buildouts.
How We Finance
Financing designed around how clinics actually grow.
Flexible Terms
Monthly payments structured around predictable cash flow, with terms typically ranging from 24 to 72 months.
Fast Decisions
Most applications receive an initial lending decision within one business day.
Commercial Leasing
Lease structures that preserve operating capital and may offer tax advantages for your practice. Your accountant will thank you.
Second Approval™
Declined by your bank? Our Second Approval™ process explores alternative lending solutions traditional banks don't offer.
Launch Program
More than financing.
Every funded device includes our optional 30-Day Launch Program at no additional cost: pricing and margin modeling, treatment menu integration, booking system guidance, launch campaign assets, and a utilization tracking template, delivered across a structured four-phase rollout.
Because successful equipment purchases aren't just approved. They're launched.
Explore Launch ProgramCredibility
Built by operators who understand clinic growth.
Our experience extends beyond equipment financing. We've worked inside growing healthcare and wellness businesses where operations, marketing, staffing, pricing, and client acquisition determine whether equipment becomes profitable.
That's why our approach looks beyond approvals and focuses on what happens after the device arrives.
Process
What happens after you apply?
Tell us about your business and the equipment you're financing.
We review options across our lending network.
Choose the structure that works best for your cash flow.
Documents are completed electronically.
Equipment is ordered and delivered.
Your 30-Day Launch Program begins.
Why Choose Us
Why clinics and studios choose Aesthetic Capital.
FAQ
Frequently asked questions.
What types of equipment can be financed in Canada?
We finance equipment across aesthetics, wellness, and longevity, including lasers, body contouring devices, RF microneedling, red light therapy panels and beds, infrared saunas, cold plunge systems, DEXA scanners, phototherapy systems, surgical and OR technology, diagnostic imaging, and clinic renovation packages.
Do you finance wellness studios, or only medical clinics?
Both. We work with medical aesthetics clinics, plastic surgery practices, dermatology and skin clinics, wellness and recovery studios, longevity and hormone clinics, and cosmetic dentistry practices across Canada.
How long does approval take?
Most applications receive an initial lending decision within one business day. Funding timelines vary by transaction size and lender.
What credit score do I need to qualify?
There is no single minimum. Our lending network serves a range of credit profiles, and factors like time in business, equipment type, and cash flow all matter. Businesses with challenged credit may still qualify through our Second Approval™ process.
Should I lease or buy my equipment?
It depends on your cash flow, tax situation, and upgrade plans. Leasing preserves capital and can simplify upgrades. Purchasing builds equity in the asset. We walk every client through both structures before documents are signed.
Do you work with startups?
Yes. We work with new and established businesses across Canada, including first-time owners financing their first device or opening their first location.
What if my bank declined me?
Our Second Approval™ process explores alternative lending solutions that traditional banks may not offer. A bank decline is not the end of the conversation.
Can I finance used or refurbished equipment?
Yes. Many lenders in our network finance quality used and refurbished devices, often at lower entry costs than new equipment.
Is there a fee for your services?
No. Our services are free to you: we are compensated by our lending partners when financing is completed. Your lease may include a standard lender application and documentation fee, which is disclosed upfront in your documents. None of that fee goes to us.
Can I finance multiple devices or a full buildout?
Yes. Many clients finance multiple devices together.
What exactly is included in the 30-Day Launch Program?
A structured operational rollout for your new device: pricing and margin modeling, treatment menu integration, consent and care document templates, a launch offer, email, SMS, and social campaign assets, front desk and consult scripts, a utilization tracking template, and a day-30 performance review with a 90-day growth plan. See the full program page for details.
Get Started
Ready for your next device?
Whether you're opening your first location or expanding an established practice, we help Canadian aesthetics, wellness, and longevity businesses secure financing and launch their next stage of growth.
Apply for Financing