Quick answer: Aesthetic Laser Financing Canada can spread the cost of eligible commercial assets over scheduled payments, subject to provider approval. Compare the asset and seller details, required contribution, total repayment and cash available for operating costs before committing.
Add revenue-ready tech without draining cash
CO₂ and Er:YAG resurfacing, diode hair removal, Nd:YAG vascular, Alexandrite, picosecond/tattoo, and IPL/energy platforms unlock new billable services—but tying up cash in equipment, install, and training slows growth. Mehmi sells equipment directly and structures clinic-friendly financing so you can install, market, and start treating while preserving working capital. Begin with our equipment financing overview and model payments in the calculator.
What we finance
Ablative/non-ablative lasers (CO₂, Er:YAG, Nd:YAG, Alexandrite), diode platforms, picosecond/Q-switch systems, IPL, RF/energy add-ons, cooling/chillers, smoke evacuators, handpieces/fibres, eyewear/signage, software, IT, and training bundles. Check Eligible Equipment.
Pick the structure that matches your cash flow
| Option | Ownership Path | Cash-Flow Profile | Best For | Learn More |
|---|---|---|---|---|
| Equipment Loan | Own from day one | Predictable amortization; CCA | Core systems you’ll keep 5–8 yrs | Loans |
| Equipment Lease | Use now; buyout/refresh at term | Lower monthly via residual | Tech that refreshes ~3–5 yrs | Leases |
| Equipment Line of Credit | Draw per device/handpiece | Interest on draws only | Phased buildouts & add-ons | E-LOC |
| Refinancing / Sale-Leaseback | Sell owned; lease back | Immediate liquidity | Unlock equity for marketing/staff | Sale-Leaseback |
| Working Capital / ABL | Term or AR-backed cash | Operating buffer | Campaigns, consumables, training | Working Capital | ABL |
Private sale? We can secure title/lien with Conditional Sales Contracts. Unique file? Ask about In-House Financing. Some borrowers may fit CSBFP.
BDC’s equipment-financing guide emphasizes the complete financing structure when comparing offers.
“Don’t focus only on interest rates”
For the equipment decision discussed here, compare the amount financed, payment schedule, collateral and remaining obligations alongside the quoted rate.
Include soft costs so cash stays in the clinic
Most approvals can roll in: rigging/freight, installation, electrical/HVAC, protective eyewear & signage, software/licenses, staff training, extended warranty, and initial consumables—within loans or leases.
What actually moves approvals in 2026
- Time in business & credit depth: Associates/startups can still qualify with sensible contribution and a production ramp; see In-House Financing.
- Asset profile: Year/hours/pulse count, OEM support, warranty, and service plan.
- Revenue plan: Treatment menu, pricing, utilization assumptions, and lead gen (packages/memberships).
- Compliance & safety: Health-Canada-cleared devices, eyewear, signage, and operator training improve underwriting confidence.
- Liquidity buffer: Add Working Capital for launch marketing and consumables.
Model payments in minutes
Use the calculator to compare a 60 vs 72-month loan against a lease with a modest buyout (~10%). For staged builds (base platform today, handpieces next quarter), price an E-LOC so you only draw as devices arrive. If you own older equipment, compare a sale-leaseback to fund deposits and campaigns.
Documentation checklist for a decision
Government ID & void cheque; clinic/incorporation + HST; last 3–6 months bank statements (personal if startup); device quote/specs (model, wavelength, handpieces, warranty); install plan & soft-cost quotes; insurance broker contact; short production/marketing snapshot. Send via Contact Us.
Case study: adding lasers without a cash crunch
Profile: Med-spa adding diode hair removal and a picosecond system to launch tattoo/PIH services; phased handpiece delivery.
Structure: Lease the picosecond unit with 10% buyout to lower monthly; loan the diode platform (7-year hold). Approval and funding timelines vary by lender, application completeness, and required conditions.
Outcome: Both devices commissioned on schedule; blended monthly ~11% lower than an all-loan plan; bookings filled first 6 weeks via pre-sold packages.
FAQs: Aesthetic Laser Financing (Canada)
Do you finance used lasers and private sales?
Yes—subject to condition and documentation; we manage title via Conditional Sales Contracts.
Can soft costs be included?
Often yes—installation, electrical/HVAC, eyewear/signage, software, training, and warranty can be rolled into loans or leases.
Is leasing cheaper than a loan?
Leasing usually lowers the monthly via a residual; loans may minimize total interest for long-hold assets. Compare both in the calculator.
Can a startup clinic qualify?
Frequently—with a sensible contribution, clean banking, and a production/marketing ramp. See In-House Financing and CSBFP.
Can I add working cash for ads and consumables?
Yes—pair the equipment facility with Working Capital or ABL.
Ready to price your laser upgrade? Run numbers in the Equipment Financing Calculator, compare Loans vs Leases, stage add-ons with an E-LOC, or unlock equity with Sale-Leaseback. Approval and funding timelines vary by lender, application completeness, and required conditions.
Authoritative references
- Innovation, Science and Economic Development Canada — Canada Small Business Financing Program:
The Canada Small Business Financing Program makes it easier for small businesses to get loans from financial institutions by sharing the risk with lenders.
Program eligibility, lender criteria, tax treatment, and product terms can change. Verify current official guidance and the final financing documents before making a decision.