SBA Loans for Med Spas & Health Practitioners
7,476 SBA loans have funded med spas & health practitioners nationwide, averaging $276K across 914 active SBA lenders, at an average note rate of 8.0%. SBA 7(a) loans up to $5M fund acquiring a med spa or aesthetics practice and lasers, injectables inventory, and treatment equipment; SBA 504 loans cover owner-occupied real estate and equipment with as little as 10% down. PeerSense reads this lending history and matches you to the lender most likely to fund a med spa.
Published: ·Last updated: ·By Ed Freeman, Capital Advisor. PeerSense
Source: SBA 7(a) and 504 loan records (NAICS 621399), 2000 to present.
7,476
SBA Loans Funded
$276K
Average Loan
8.0%
Avg Note Rate
11 yrs
Avg Term
914
Active Lenders
11.3%
Charge-Off Rate (resolved-loan basis)
What med spas & health practitioners use SBA loans for
Where med spas & health practitioners get SBA financing
| State | SBA Loans | Capital Deployed |
|---|---|---|
| California | 997 | $338.9M |
| Florida | 603 | $230.5M |
| Texas | 588 | $188.7M |
| New York | 465 | $131.9M |
| Arizona | 269 | $92.7M |
SBA lenders active with med spas & health practitioners
Ranked by real SBA funding activity in California, the top state for med spas & health practitioners. PeerSense routes your deal to the lender most likely to approve and price it. You work with us, not a call list.
Get matched to an SBA lender for a med spa.
Tell us your loan amount and use of funds. We route you to the lender most likely to fund a med spa, anywhere in the US.
SBA 7(a) / 504, Med Spas & Health Practitioners: Response within 24–48 hours. No obligation.
How med spas & health practitioners qualify for an SBA loan
SBA 7(a) loans are the most common path for med spas & health practitioners financing acquiring a med spa or aesthetics practice. They run up to $5M, fund up to 90% of a project, and amortize over 10 years for a business purchase or up to 25 years when real estate is included. SBA 504 loans pair a bank loan with a CDC debenture for owner-occupied real estate and heavy equipment, typically at 10% down.
With 7,476 loans on record across 914 lenders and a 11.3% historical charge-off rate, med spas & health practitioners are a well-understood credit to SBA lenders, but not every lender is active in this profession or comfortable with its deal structure. PeerSense reads the lending history and routes your deal to the lender most likely to approve and price it, then stays with you through closing.