Add laser services without paying cash up front
Aesthetic, dermatology, surgical, ophthalmic and dental lasers, plus IPL and body-contouring systems. New or certified pre-owned, from any manufacturer, for medical practices, dermatology clinics and med spas.
Laser and energy-based systems we finance
Laser platforms are some of the fastest-changing equipment in medicine. Financing lets you add a service line now and upgrade when the next generation arrives.
Rough price ranges for laser systems
| System | Typical new price |
|---|---|
| IPL / photofacial | $20,000 – $80,000 |
| Laser hair removal | $30,000 – $100,000 |
| Fractional CO2 resurfacing | $60,000 – $150,000 |
| Picosecond tattoo & pigment | $100,000 – $250,000 |
| Ophthalmic YAG or SLT | $40,000 – $100,000 |
| Body-contouring device | $50,000 – $150,000 |
Estimates only, not quotes. Certified pre-owned lasers often cost much less and can be financed the same way.
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| Fair Market Value (FMV) lease | $1 buyout lease or EFA | |
|---|---|---|
| Best for | Laser platforms you expect to upgrade in 3–5 years | Workhorse systems you plan to keep |
| Monthly payment | Lowest | Higher |
| End of term | Upgrade, renew or buy at fair market value | You own it |
| Section 179 | No, but payments are generally deductible | Yes, up to the annual limit |
| Terms | 12 to 72 months, fixed payments; 90-day deferral available | |
More detail: $1 buyout vs. FMV leases · Section 179 limits for 2026 · lease payment calculator
How equipment financing works
Funding your equipment.
Your trusted source for business capital.
Why practices and med spas finance lasers with us
What it takes to qualify
- Active practice or business entity
- Personal guaranty from owners (corp-only available for established groups)
- Strong personal credit (650+ typical for larger medical equipment)
- Vendor quote for the equipment
- Financial statements for requests over the application-only limit
- No bankruptcies in the last 7 years and no unresolved tax liens
See where you stand with the approval indicator.
Don't buy on the sales rep's projections
Laser vendors often show best-case revenue. Before you sign, work out how many treatments a week cover the payment, and ask about consumables, per-pulse or software fees, handpiece replacement and warranty length. Rules on who may operate each laser vary by state, so confirm your staffing plan too. If the numbers still work at half the projected volume, it's probably a good buy.
From vendor quote to first treatment
- Send the quoteFrom any manufacturer, dealer or refurbisher.
- Apply in minutesA one-page application covers requests up to about $250K.
- Choose your structureFMV, $1 buyout or EFA, with deferred payments if needed.
- We fund the vendorUsually 1–5 days after signing and delivery confirmation.
Medical laser financing questions
Can I finance a used or refurbished laser?
Yes. Certified pre-owned lasers from established dealers can be financed, often at a much lower total cost than new.
Should I lease or buy a laser?
If you expect to upgrade within 3 to 5 years, an FMV lease gives the lowest payment and an easy upgrade path. If you plan to keep the system, a $1 buyout lease or EFA lets you own it and may qualify for Section 179.
Can a new med spa get laser financing?
Yes. New practices are considered based on the owners' credit and experience, usually with a down payment. Deferred payments can help while the business ramps up.
Can training and extra handpieces be included?
Yes. Financing can cover up to 120% of the equipment cost, including shipping, installation, training and additional handpieces.
How much can I finance on the application alone?
Up to about $250,000 with a one-page application, depending on credit and time in business. Larger packages, up to $5,000,000, need financial statements.
How fast is funding?
Approvals often come the next day, and we usually fund the vendor 1 to 5 days after signing and delivery.
Adding a laser service line?
Send us the vendor quote and get approved, often by the next day.
Equipment prices shown are general estimates, not quotes. All financing subject to credit approval; terms vary by credit, time in business, financials and equipment. Liberty Capital Group, Inc. is not a tax advisor. NMLS #2009539 · CA DFPI #60-DBO49692.
Our small business financing experts are available to guide you through the funding Process.
Despite technological advancements, loans, especially in crane and boom truck and equipment financing, predominantly involve personal interaction with an underwriter to ensure as fraud prevention. Automation may not suffice, particularly when dealing with a third party like the vendor and the complexities of equipment purchase. In such scenarios, business owners are often better served by collaborating with a Business Loans Broker like Liberty Capital Group, Inc., who can steer them in the right direction.
Instant Quote Online
Use our instant online quote calculator to get an accurate no obligation quote.
Apply Online
Complete our quick online application. Application takes 5 mins.
Review Your Options
We will contact you to review your options.
Get Funds
Money will be deposited in your account in as little as 24 hours.