Finance question
Can I finance a beauty or laser clinic fit-out?
Yes. Laser and skin machines finance well, new or quality used, and the clinic fit-out can be wrapped into the same facility, up to $500,000. Machines run from $15,000 to $25,000 for an entry IPL or diode laser up to $80,000 to $160,000 plus for a premium platform, and a clinic fit-out runs $2,500 to $4,500 per square metre, subject to lender assessment.
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The short answer
The machines are the security, the fit-out is the top-up
A laser clinic has two price tags, and lenders treat them differently. The machines are the expensive, resaleable part: an entry professional IPL or diode laser runs $15,000 to $25,000, a mid multi-treatment platform $40,000 to $70,000, and a premium multi-platform system $80,000 to $160,000 plus. Quality used premium platforms with full service history have listed around $55,000. These finance cleanly, new or used, because the machine itself is the security (laser clinic cost guide). Make sure the quote is for a TGA-compliant medical-grade machine. The sub-$10,000 imports are a different product class, and clinics get caught by that gap at insurance time, not purchase time.
The fit-out is the bigger line. Cosmetic and laser clinic fit-outs run $2,500 to $4,500 per square metre, roughly $250,000 to $450,000 for a 100 square metre clinic before equipment. Treatment-room plumbing, compliant electrical for high-draw machines and approvals are what separate it from a beauty salon fit-out at $1,800 to $3,500 per square metre. The guide's estimate for a complete two-room laser clinic, fit-out plus one to two medical-grade machines, is roughly $310,000 to $650,000 before working capital (same guide). Equipment and fit-out finance runs up to $500,000, so the top of that range may need a deposit or property security behind the build.
Joinery, plumbing and built-in cabinetry have weak resale value, so lenders often ask for a deposit or other security on that portion while the machines stand on their own value. Splitting the two is usually the smart approach (practice finance guide). Running costs stay outside the loan: handpieces, servicing and calibration run $5,000 to $20,000 a year on premium platforms, so set working capital aside (laser clinic guide). A clinic offering facials and skin treatments without lasers follows the same split on a smaller scale. Ventas is a broker across 40+ lenders, not a single bank, and there is no upfront fee to you; the lender pays us on settlement.
Do you qualify?
What a lender looks at on a clinic fit-out.
A medical-grade machine
A TGA-compliant machine with a supplier quote, and a service history if used.
Premises and lease
A signed lease with enough term to justify the build.
Itemised fit-out quotes
Plumbing and electrical shown separately from joinery and finishes.
Qualified operators
Trained practitioners, or a clear plan to employ them.
Why clinics finance well
Machines hold value
Quality used platforms still sell, which gives the lender real security.
Two layers of security
Machines on their own value, with the fit-out wrapped into the facility.
Fast to approve
Many equipment deals clear in 24 to 48 hours, often low-doc.
A worked example
A clinician opens a two-room laser clinic of 90 square metres. The fit-out at $3,000 per square metre is $270,000 and a mid-tier multi-treatment platform is $60,000, a total of $330,000. The lender funds $280,000 across the machine and the build, and the owner covers the $50,000 gap from savings, keeping working capital aside. Illustrative only.
Common questions
Frequently asked questions
Can I finance a laser machine?
Yes, new or quality used, with the clinic fit-out wrapped into the same facility where the lender allows. Entry IPL and diode machines run $15,000 to $25,000 and premium platforms $80,000 to $160,000 plus.
What does a laser clinic fit-out cost?
The guide puts it at $2,500 to $4,500 per square metre, roughly $250,000 to $450,000 for a 100 square metre clinic before equipment. A beauty salon fit-out runs $1,800 to $3,500 per square metre.
Can I finance a cheap imported laser?
Be careful. The guide separates sub-$10,000 imports from TGA-compliant medical-grade machines, and the gap shows up at insurance time. A lender also wants an invoice for a machine it can value, so a medical-grade machine is the safer deal to finance.
Are handpieces and servicing included in the finance?
Usually not. Running costs such as handpieces, servicing and calibration are operating expenses, and the guide puts them at $5,000 to $20,000 a year on premium platforms, so plan working capital for them.