Aesthetic Laser Financing Canada

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

Private sale? We can secure title/lien with Conditional Sales Contracts. Unique file? Ask about In-House Financing. Some borrowers may fit CSBFP.

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 2025

• 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 24–48h 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). Rolled install/training/eyewear into facilities; approved an E-LOC for two handpieces arriving in 60 days; small Working Capital top-up for ads and consumables.
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.

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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. Mehmi sells equipment directly—feel free to contact our credit analysts and get a 24–48h decision.