INDUSTRY FUNDING
Your revenue lives in your rooms and your machines. When a device goes down or a build-out stalls, every empty appointment slot is money gone for good. Coast moves at the speed your book demands.
In this industry, capacity is revenue. A med spa's income is capped by treatment rooms and device hours; a salon's by chairs and stylists. The equipment that creates that capacity — laser platforms, body-contouring devices and HydraFacial systems on the clinical side, tanning beds and styling stations on the salon side — is expensive, and when a workhorse machine goes down, the losses aren't deferred like a backlog you can work through later. Those appointments simply vanish, and the clients who booked them may follow your competitor's availability instead.
Growth has the same shape. Adding a treatment room, building out a second location, or bringing an in-demand service in-house means construction, licensing, and equipment costs that all land before the first booking does. Meanwhile the daily economics keep running: product and back-bar inventory, injector and esthetician payroll, a stylist moving from booth rent onto payroll, and the memberships and packages that smooth revenue but collect it slowly. Banks tend to see a young industry with fashion risk. Coast sees recurring clientele, strong margins, and operators who know their cost per treatment down to the dollar — and we structure funding around how the book actually fills.
Finance an aesthetic laser, body-contouring platform, or skin-resurfacing device over 2–5 years so the machine pays for itself out of the treatments it books — instead of draining a year of cash up front.
Construction, plumbing, and equipment for a new treatment room or an expanded footprint. Finishing a build-out weeks sooner means weeks of bookings you'd otherwise never see.
When the bed, chair, or device your regulars book goes down, a fast approval covers the replacement — or the down payment on a better one — before your clients rebook somewhere else.
Lease deposits, build-out, equipment, and pre-opening payroll for location two or three — funded so the new address opens on schedule while the current ones keep running untouched.
A new injector, esthetician, or stylist starts costing you at signing and starts earning weeks later, once their book fills. Working capital carries the ramp so you can hire when talent is available.
Retail product lines, back-bar supplies, and seasonal promotions all tie up cash before they sell through. Short-term funding keeps shelves stocked ahead of your busiest months.
| Your situation | The fit | Why |
|---|---|---|
| Buying a laser, device, bed, or salon equipment | Equipment Financing | The equipment is the collateral; fixed payments over 2–5 years track its earning life |
| Building out a treatment room or new location | Working Capital | Upfront capital that gets contractors moving now, with terms from 6 to 24 months |
| One defined project — a rebrand, a renovation, a service-line launch | Business Loan | A lump sum with a fixed payment schedule you can price into your treatment menu |
| Ongoing flexibility for inventory, payroll, and seasonality | Business Line of Credit | Draw as needed and pay only on what you use, through busy seasons and slow ones |
| A smaller need with a fully online process | Swell | Coast's online revenue advance program — $5K to $100K with a 15-minute application |
A tanning salon on California's Central Coast had been in business 14 years when its main bed — the one that drove the bulk of daily bookings — went down. The owner had already sourced a newer replacement; what she needed was the down payment, fast, before regulars drifted to the salon across town. Coast funded $14.5K on a 12-month program with manageable weekly payments, and the new bed was earning before the old one would have been repaired.
A wellness and massage studio group in the Southeast, doing about $1.7M–$2M a year across two locations, was mid-build-out on a third — a space three times the size of the first two. Every week of construction was a week of pre-booked memberships going unserved. Coast structured $25K on a fast six-month term to finish the build-out, and the doors opened three weeks sooner than the construction budget alone would have allowed.
Coast works with established wellness and beauty businesses — med spas, salons, spas, studios, and clinics. These four marks are a floor, not a ceiling.
Not sure you check every box? Talk to an advisor — your business is reviewed by people who understand membership revenue and seasonal books, and you'll get a straight answer either way.
Med spa financing at Coast is structured around what you're funding. Devices and lasers usually fit equipment financing, where the machine itself is collateral and payments run over 2–5 years. Build-outs and hiring fit working capital with 6–24 month terms. Approval is based primarily on the revenue flowing through your business bank account, so an established med spa can often see real numbers within hours of applying.
Yes — that's precisely what equipment financing is for. Rather than paying six figures up front for a laser platform, you spread the cost over 2–5 years with fixed monthly payments while the device generates treatment revenue from week one. Coast's equipment program runs from $10K to $5M, which covers everything from a single IPL unit to outfitting an entire new med spa.
Often, yes. Certified pre-owned lasers, refurbished beds, and secondhand salon equipment can be strong buys, and having an invoice or quote in hand actually speeds things up. Your advisor will confirm what's financeable for your specific purchase. Where equipment financing isn't the right fit for a used item, a working capital program can fund the purchase instead — same goal, different structure.
Very likely. Coast's baseline is 1+ year in business, $100K+ in annual revenue, and a minimum 600+ FICO — a floor designed for real operating businesses, not just decade-old ones. What matters most is consistent revenue through your business account. A two-year-old salon with a solid book and steady deposits is exactly the kind of business our underwriting is built to say yes to.
Yes. Build-outs are one of the most common uses of funding in this industry, because every week of construction is a week of appointments you can't book. Working capital or a term loan covers contractors, fixtures, plumbing, and permits, while equipment financing handles the devices and furniture going into the finished room. Many owners combine the two so each cost sits on the right structure.
Fast enough to matter. Decisions often come within hours. The tanning salon above went from a dead bed to a funded down payment in days, not weeks. If you already have a replacement sourced and a quote in hand, tell your advisor the date you need it by. Closing documents signed by 11 AM PT can fund the same business day.
Nearly any legitimate business purpose: equipment and devices, build-outs, inventory and back-bar stock, hiring and payroll, marketing pushes, a second-location build-out, or consolidating more expensive short-term debt into one manageable payment. Coast doesn't restrict funds to a single purchase category — you know where the next dollar of capacity comes from in your business better than any lender does.
$10K–$5M for lasers, devices, beds, and stations, with 2–5 year terms and the equipment serving as collateral.
$5K–$2M with 6–24 month terms — built for build-outs, hiring ramps, and inventory ahead of busy seasons.
$10K–$500K revolving credit for ongoing flexibility. Draw as needed and pay only on what you use.
A dedicated Business Funding Advisor can structure capital around how your business actually operates. No hard credit pull to apply.
*Closing documents must be completed by 11 AM PT Monday through Friday to receive funds the same business day. Weekend approvals will be processed the following business day.
Client examples reflect actual funded transactions with identifying details removed; individual results vary and are subject to underwriting approval.
Certain programs may be made available or arranged pursuant to California Financing Law License No. 60DBO-146720.