Finance for
the beauty & aesthetics industry

Aesthetic and beauty finance for clinics, salons and cosmetic businesses

New treatments, upgraded technology and client demand for advanced services means clinics and salons often need to invest in new equipment long before the existing technology has reach its end of life. PMD helps aesthetics clinics, beauty salons, medispa operators and cosmetic treatment businesses secure finance for the equipment and improvements they need, without putting a strain on cashflow. 

Whether you’re introducing new treatments, upgrading technology or expanding your clinic, we arrange flexible, structured business financing that supports your plans and protects your working capital. 

PMD can finance a wide range of aesthetic and beauty equipment, including: 

• Laser hair removal systems 

• HIFU & RF skin tightening devices 

• Body contouring and fat-freezing machines 

• Multi-platform aesthetics devices 

• LED, IPL and dermal systems 

• Micro-needling, radiofrequency and resurfacing equipment 

• Treatment beds, chairs, lighting and salon furniture 

• Clinic refurbishments, fitouts and room conversions 

If it helps you deliver treatments, improve client experience, increase capacity or open new revenue streams, we can help you fund it. 

Why aesthetics and beauty clinics use finance

A common challenge businesses in the aesthetics sector face is keeping up with rapid innovation whilst also balancing cashflow. Finance allows you to invest in the latest equipment and technology whilst business runs as usual. 

Many beauty and aesthetics businesses choose finance to: 

• Spread costs through predictable monthly payments 

• Preserve working capital that can then be used in other areas of the business, such as marketing, staffing costs and consumables 

• Offer new treatments sooner to stay competitive 

• Scale operations without taking large financial risks 

• Invest in premium technology without a large down-payment 

• Maintain cashflow during seasonal fluctuations 

• Add multiple machines whilst protecting cash reserves 

• Avoid relying on overdrafts or credit cards 

• Keep banking credit lines free for other business needs 

We’ll walk you through the options, the differences and the most cost effective structure for your clinic. 

Finance options for aesthetics and beauty equipment

As an independent broker working with over 100 lenders, we can provide you with the flexibility and freedom to build funding strategies around your treatment demand, business model and seasonality. 

 

Asset finance for aesthetic equipment 

Best for: Clinics wanting long term access to equipment without paying upfront. 

Asset finance allows you to acquire new aesthetics devices and repay the cost over a fixed loan term. This structure is typically popular for laser systems, body contouring machines, skin resurfacing and rejuvenation platforms and combined treatment technology. Financing your assets keeps capital free while equipment immediately begins generating revenue. 

 

Hire purchase (HP) 

Best for: Cosmetic businesses planning to own equipment at the end of the agreement 

With hire purchase agreements, you pay a deposit (or sometimes none), make monthly repayments and gain full ownership at the end of the term. These types of agreements tend to offer clear repayment terms and fixed interest rates, usually with no impact on existing business banking lines. It’s a suitable option for high value systems, core treatment equipment and long lasting technology. 

 

Lease finance for beauty and aesthetic devices 

Best for: Lower upfront costs and flexibility as technology evolves. 

Leasing allows you to use equipment for a set period while keeping monthly payments low. At the end of the lease you can return, upgrade or extend depending on the agreement. A finance lease is ideal for investing in rapidly evolving technology, clinics refreshing machines regularly and adding multiple devices over time, making it a popular choice amongst aesthetics businesses. 

 

Business loans for clinics and salons 

Best for: Wider business needs beyond the equipment itself. 

We are able to arrange secured and unsecured business loans for most legitimate business reasons and with flexible loan terms. These range from working capital loans, term loans, tax loans and both long and short term loans. 

The most common reasons we see beauty and aesthetics businesses request loans for include: 

• Clinic refurbishments and room conversions 

• Marketing and client acquisition 

• Recruiting new practitioners 

• Product stock and consumables 

• Opening a new location 

• Working capital during growth phases 

Loan amounts can vary depending on the borrower’s credit score, credit history, business plan and overall financial strength. We can also structure business loans to complement equipment finance for a stronger overall funding strategy or more complex business plans. 

 

Invoice finance for aesthetic suppliers 

Best for: Beauty and aesthetic suppliers offering products to clinics on payment terms. 

If you supply devices, consumables or systems to salons or clinics with slow paying invoices or deal with unpaid receivables, invoice financing helps release cash quickly and enables suppliers to maintain stable cashflow. 

 

Structured finance for multi-site or multi-machine projects 

Best for: Clinics expanding rapidly or managing multiple purchases. 

Structured finance combines several facilities (HP, lease, refinance, loan) into one tailored solution. It’s often useful for business owners who are looking at multi-room expansion, clinic growth, introducing multiple treatment technologies at once and even franchise rollouts. 

 

Property finance for aesthetic businesses 

Best for: Clinics upgrading or securing their own premises 

We are able to arrange several facilities when it comes to property requirements for business owners. These tend to include: 

• Commercial mortgages 

• Owner occupied premises finance 

• Clinic relocation funding 

• Fitouts and refurbishment support 

 

Cashflow support for beauty and aesthetic clinics 

Clinic revenue often fluctuates based on the season, treatment trends and promotions. Finance options like merchant cash advance and business loans can help you bridge the gaps and maintain cashflow. This usually supports businesses in several ways, such as: 

• Avoiding large upfront costs 

• Matching payments to expected revenue 

• Keeping checking-account and bank-account balances healthy 

• Supporting growth during busy periods 

• Helping navigate quieter months 

• Keeping capital available for consumables and marketing 

Some clinics combine equipment finance with working capital loans and business loans for maximum flexibility. 

Who PMD support

PMD provides tailored funding packages for: 

• Aesthetic clinics 

• Beauty salons 

• Medispas and wellness centres 

• Laser and skin clinics 

• Cosmetic treatment businesses 

• Multi-clinic groups 

• Startups entering the aesthetics market 

• Suppliers and distributors in the sector 

Whether you’re buying your first device or expanding multiple sites, we’ll build a structure that fits. 

How we make funding simple

Here at PMD, we’ll handle everything: 

1. We’ll understand your clinic’s needs and treatment goals 

1. Compare loan products across more than 100 lenders 

1. Tailor terms to your cashflow and equipment plans 

1. Manage underwriting and paperwork 

1. Secure competitive rates and quick approvals 

1. Ensure fast payment to your supplier 

You focus on treating your clients, we’ll take care of the finance. 

Ready to finance your aesthetic or beauty equipment?

If you’re planning to introduce new treatments, upgrade your clinic or expand your services, we can help. Get in touch with us today to speak to a finance expert who specialises within the aesthetics sector. We can review the most cost effective options for your clinic and tailor a personalised quote. Call us on 0161 633 2548 or send an email to info@pmdbusinessfinance.co.uk