Cash advances for UK aesthetic clinics.
For injectables, laser, skin, and medical-aesthetic clinics. Funded against the card takings your treatment list already generates. Used for kit, training, and growth.
A note for medical-aesthetic clinics
Some lenders restrict medical-aesthetic businesses depending on prescriber arrangements and treatment menu. We'll know within the first call which lenders on our panel will look at your clinic, so you don't waste time on dead-end applications.
What MCA means for an aesthetic clinic.
Aesthetics is high-ticket and almost entirely card-paid, with strong retail (skincare, post-treatment kits) and seasonal spikes around weddings, Christmas, and summer. MCA gives you funding for laser platforms, injectables stock, training, refit, or new sites. Repaid through the same card mix, so a busy launch month repays faster than a quiet one.
Sound familiar?
A new laser or device needs financing fast.
IPL, diode, or RF platforms run £15k to £60k. Capex sits in your way before takings start.
MCA funds the device alongside or instead of asset finance. The treatments it unlocks repay the advance through your card processor.
Stock and training before launching a treatment.
Injectables stock, consumables, and certified training, £3k to £10k before the first client.
MCA covers the upfront block. Bookings during the first quarter repay it.
Opening a second clinic.
Fit-out, kit, regulator paperwork, and first payroll, £25k to £80k of working capital.
MCA bridges the working-capital gap while the new site builds takings.
Here's what it actually costs.
An aesthetic clinic borrows £20,000 for a new IPL platform and launch marketing. Monthly card takings: £35,000. £20,000. Average monthly card takings £35,000. Fixed cost 1.27. 14% daily repayment % on card sales, total cost £5,400.
These figures are illustrative. If a term loan or asset finance fits your situation better, we'll tell you.
Open the fixed cost calculator →Work out the real cost.
New businesses typically start at a higher daily % and a shorter term.
Illustrative only, not a quote.
- Advance£20,000
- vs card takings57%
- Fixed cost1.27
- Daily repayment£161
- Avg monthly£4,900
- Est. term5.2 months
Illustrative. The fixed cost is set on day one; daily repayment varies with takings. Term capped at 18 months.
Illustrative only, not a quote. Every figure here is subject to the funder. Funders advance anywhere from 100% up to 150% of monthly card takings, so 150% is not guaranteed, and the fixed cost is not guaranteed either. Your actual advance, fixed cost and terms depend on the funder and your business profile.
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Apply with these numbersAesthetic clinics, quick answers.
Yes, where the clinic operates with a properly contracted prescriber and meets local regulator expectations. Underwriting will ask about your clinical setup.
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60 seconds to apply. 1 working day to a decision. No obligation, no credit footprint for the initial check.
Up to 90% approval for qualifying businesses