Youthful MD and Coast Funding
Transform Your Medical Practice
The devices, the treatment rooms and the providers that grow a practice all cost money before they earn any. Coast structures the capital around how your book actually fills — funded in as little as 24 hours,* with an advisor who knows the difference between a laser and a lease.
- No hard credit pull to apply
- Five-minute application, decisions often the same day
- Direct funding source
Join an exclusive circle of elite businesses.
The Programs
One application. The structure that actually fits your practice.
In this industry capacity is revenue — a med spa's income is capped by treatment rooms and device hours. Your advisor recommends the program that matches what the capital is for, including telling you when something is not the right fit.
Business Line of Credit
Gives your business access to a revolving funding facility that can be used to cover recurring business expenses. Draw as needed up to your approved limit and only pay for the capital you use.
Best For
- Inventory ahead of a busy season
- Bridging customers who pay on 30, 60 or 90 days
- Payroll through a slow month
- Taking on a contract larger than your cash on hand
- Amount
- $10K – $500K
- Term
- Revolving 12, 18 or 24 months
- Payments
- Weekly or Monthly
- Speed
- As little as 24 hours*
Business Loan
A lump sum of capital repaid on a fixed schedule you agree before you sign. Built for the moment you know exactly what you are funding — a renovation with a contractor’s bid, a bulk inventory buy, a project with a clear price tag — so you can commit immediately and negotiate like a cash buyer.
Best For
- A second location or a build-out
- One large, defined project
- Buying out a partner
- Expanding into a new market
- Amount
- $10K – $1M
- Term
- 4 – 36 months
- Payments
- Weekly or Monthly
- Speed
- As little as 24 hours*
Working Capital
Upfront capital for a specific operating need — payroll, inventory, materials, or the gap between an expense landing and the revenue for it arriving. Sized to what your revenue and cash flow genuinely support rather than to the maximum available, and built to renew as the business grows.
Best For
- Payroll between receivable cycles
- Materials to start a job you have already won
- Inventory for a specific order
- Covering a seasonal dip
- Amount
- $5K – $2M
- Term
- 6 – 24 months
- Payments
- Weekly or Monthly
- Speed
- As little as 24 hours*
Equipment Financing
Finance the equipment your business runs on, with the equipment itself serving as collateral. You choose the asset and the seller, Coast pays the vendor directly, and you repay in fixed monthly payments matched to the working life of the machine — when the final payment clears, it is fully yours.
Best For
- Replacing equipment at the end of its life
- Adding capacity for a new contract
- Medical, dental and imaging equipment
- Trucks, trailers and heavy machinery
- Amount
- $10K – $5M
- Term
- 2 – 5 years
- Payments
- Fixed Monthly
- Speed
- Approvals in 24 – 48 hours
SBA Loan
Government-backed financing for the projects that reshape a company — commercial real estate, buying a business, a major expansion. The guarantee lets lenders offer traditional market rates and the longest terms available, with an SBA specialist guiding a document-heavy process from application to close.
Best For
- Buying the property you operate from
- Acquiring another business
- A long-term investment you can plan around
- Long terms that keep the monthly payment low
- Amount
- $50K – $10M
- Term
- Up to 25 years
- Payments
- Fixed Monthly
- Speed
- 14 – 90 days to fund
Swell by Coast Funding
Coast’s fully online funding program, where approval is based on the revenue of your business rather than your personal credit. Draw from $5,000 to $100,000, choose a 4, 6 or 8 month term, and pay only for the time the funds are outstanding — application to funding, all self-serve.
Best For
- A short-term gap you want closed today
- A smaller amount, handled entirely online
- An opportunity that will not wait
- Building a track record with Coast
- Amount
- $5K – $100K
- Term
- 4, 6 or 8 months
- Payments
- Weekly
- Speed
- As little as 15 minutes
| Program | Amount | Term | Payments | Speed | Best For |
|---|---|---|---|---|---|
| Business Line of Credit | $10K – $500K | Revolving 12, 18 or 24 months | Weekly or Monthly | As little as 24 hours* | Ongoing access to capital you draw as needed |
| Business Loan | $10K – $1M | 4 – 36 months | Weekly or Monthly | As little as 24 hours* | A defined, one-time investment with a set payback |
| Working Capital | $5K – $2M | 6 – 24 months | Weekly or Monthly | As little as 24 hours* | Bridging a cash-flow gap or funding a near-term need |
| Equipment Financing | $10K – $5M | 2 – 5 years | Fixed Monthly | Approvals in 24 – 48 hours | Acquiring equipment, using the equipment as collateral |
| SBA Loan | $50K – $10M | Up to 25 years | Fixed Monthly | 14 – 90 days to fund | A major long-term investment at traditional market rates |
| Swell by Coast Funding | $5K – $100K | 4, 6 or 8 months | Weekly | As little as 15 minutes | Smaller amounts, fastest turnaround, fully online |
Amounts and terms shown are program maximums and vary by qualification. Subject to underwriting approval; additional restrictions may apply.
What Our Clients Say
Trusted by business owners just like you.
What Are the Requirements for Business Funding?
These are the floors most approved clients sit above — not ceilings.
Where Coast fits best
An established practice with a capacity constraint
- A device, a room or a provider is the thing standing between you and more booked hours
- The capital has a job — a laser, a build-out, a new injector's ramp, back-bar stock
- You want the machine to pay for itself out of the treatments it books
Where it may not be
Your advisor will tell you early
- Practices in their first year, or pre-revenue
- Personal or consumer borrowing — Coast funds businesses only
- Shopping on price alone, without regard to structure or fit
Close but not sure you clear every bar? Apply anyway — an advisor reviews the whole business, including signed contracts and pipeline, and gives you a straight answer either way.
How It Works
Apply in about five minutes
A short application and roughly four months of business bank statements. Checking your options is a soft credit pull only — it does not affect your personal credit score.
Talk to a Business Funding Advisor
A dedicated advisor, not a call center, reviews your goals and cash flow and recommends the structure that fits — including telling you when the answer is a smaller number.
See the terms before you commit
The amount, the term, the payment, all before you sign anything. Your advisor will walk you through each step ensuring you are comfortable and making a sound business decision.
Funds in as little as 24 hours
Once contracts are signed, funds are deposited directly to your business bank account.* This is where the relationship begins, not ends.
The Coast Difference
Responsible. Renewable. Relationship. The Coast Way.
Most of our industry sells rescue — the option you take when the bank has said no. Coast is built for the opposite situation: a business that is working, with a growth constraint.
Responsibility
Advisors are trained to structure funding responsibly rather than to maximize a “transaction.” If a number is too high for your cash flow, we will guide you on the best path forward.
Relationship
At Coast, relationships with clients matter. We take the time to understand your business, your use case, and your vision. You aren’t another number, and that’s how great relationships are forged.
Renewable
Your history sits with Coast, so the next round does not start from a blank application — and the funding scales with the record you have built.
Frequently Asked Questions
Can I finance an aesthetic laser without draining my cash reserves?
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.
Do you finance used or refurbished equipment?
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.
Can I get funding for a treatment-room build-out or expansion?
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.
How fast can I get funded if a critical machine goes down?
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.
Do all partners in a group practice have to provide financials?
Not always. Structures vary with ownership, but in many group arrangements Coast can underwrite around the operating owners rather than every minority partner. An advisor reviews your ownership structure up front and tells you exactly whose documentation is needed before anyone gathers paperwork.
Can I pay off early or renew my funding?
Yes to both. You pay for the time the funds are outstanding, so paying off early reduces your total cost of capital — we actively encourage it. And because Coast's programs are designed as a renewable resource, returning clients fund the next need quickly, often qualifying for stronger terms as revenue and payment history grow.
Will applying affect my credit?
No — there's no hard credit pull to see your options. Coast uses a soft credit review during the application, so exploring numbers, amounts, and structures costs your credit profile nothing. A hard inquiry applies only to certain traditional products — larger equipment deals and SBA loans — and then only with your consent, after an approval you have chosen to move forward with.
Is Coast Funding a direct lender?
Yes, Coast is a direct funding source with institutional backing. Coast funds many programs directly and arranges others through a select network of funding partnerships. Either way, your relationship is with Coast: a dedicated advisor structures your funding before closing, and a Relationship Manager supports you after — no call-center handoff. That model lets us match each business with the structure and terms that fit, rather than forcing every client into one product.
See what your practice qualifies for
Apply in about five minutes, or talk it through with a dedicated Business Funding Advisor. No hard credit pull to apply.
*Rates vary based on business qualifications. Subject to underwriting approval, terms and conditions apply. Monthly rates are not an annual percentage rate (APR).
*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.
Certain programs may be made available or arranged pursuant to California Financing Law License No. 60DBO-146720.