Fast, flexible finance for laser devices, IPL, RF body contouring, HydraFacial, skin analysis systems, and all aesthetic technology. We compare 50+ lenders and understand how cosmetic clinic revenue works.
At EasyAsset, cosmetic equipment finance is one of our specialist niches. Whether you are financing a laser hair removal system, IPL device, RF body contouring unit, HIFU machine, HydraFacial device, or a full multi-device aesthetic clinic setup, we work with lenders who understand how cosmetic clinics generate revenue and how quickly aesthetic technology evolves. We help medispas, cosmetic clinics, and dermatology practices navigate chattel mortgages, finance leases, technology upgrade facilities, and multi-device bundles every day. If it is generating revenue in your treatment rooms, we can finance it.
The right structure depends on how long you plan to use each device, how quickly the technology will be superseded, and your GST position. Cosmetic equipment finance is unique because technology refresh cycles are short and the lease versus own decision carries more weight than in most other equipment categories.
You own the equipment from day one. Claim depreciation and interest as tax deductions. Best for devices with long commercial lives, equipment you plan to run for 7 or more years, or high-throughput workhorses that generate consistent revenue regardless of how new the technology is.
Lender owns it, you use it. Fixed lease payments are fully deductible as expenses. Particularly well suited to cosmetic devices with fast technology cycles. At end of term, upgrade to the next generation without being locked into equipment that may be commercially outdated.
Hire now, own at the end. Fixed repayments over the term, ownership transfers on final payment. Interest is deductible. A solid middle ground for established clinics that want a predictable payment and eventual ownership of devices with long commercial lives.
Return or upgrade at end of term. Available for specific cosmetic devices where technology evolves rapidly. Lease payments are fully deductible and you take on no residual value risk at end of term. Ideal for fast-evolving laser and RF platforms where staying current matters commercially.
Finance multiple devices under one facility. Clinic-wide upgrades across laser, IPL, body contouring, and skin analysis systems can be bundled into a single facility with one monthly repayment. Often unlocks better rates than financing each device individually.
No full financials required. For newer cosmetic clinics without up-to-date financial statements. Bank statements, BAS, and a revenue summary from your booking system or point of sale are often sufficient for clinics with 6 or more months of clear trade revenue.
From a single treatment device to a full multi-device aesthetic suite, here is how the numbers typically look across different clinic setups.
Indicative repayments only. Actual rates depend on your profile, lender, and product. Speak to our team for a tailored quote.
Adjust the sliders to estimate your cosmetic device repayments. Speak with our team for an exact quote based on your clinic profile and the specific equipment.
Answer 4 quick questions and our AI will recommend the best cosmetic equipment finance structure for your situation, instantly.
4 questions · Takes about 30 seconds · Instant recommendation
This is the most important decision in cosmetic equipment finance. Aesthetic devices have short commercial lifecycles. The finance structure you choose should reflect how long each device will remain competitive in your market.
Cosmetic and aesthetic clinic revenue is generally fully GST-applicable, which simplifies the tax treatment compared to medical practices with mixed billing. Here is what your clinic can typically claim.
Cosmetic and aesthetic equipment finance is accessible to cosmetic clinics, medispas, dermatology practices, and beauty clinics. The pathway depends on your trading history and business structure.
Fill in the quick form above. No credit check, no commitment. Tell us what devices you need and how your clinic is set up. Takes about 2 minutes.
A specialist matches you to aesthetic industry lenders from our panel of 50+ based on your clinic profile, device type, and whether a lease or ownership structure suits your technology refresh plans.
Pre-approval in as little as 24 hours, so you can confirm your order with your equipment supplier or manufacturer.
We handle the paperwork. Funds go to your supplier. Your device arrives, your treatment menu expands, and you begin generating revenue from day one without the cash flow impact of an outright purchase.
Free · No credit check · Pre-approval in 24 hours · Australian team