Funding for Boca Raton Medspas & Aesthetics Clinics

Boca Raton, FL market snapshot

Source: U.S. Census QuickFacts + BLS County Business Patterns + FL Dept. of Health licensing

The Boca medspa cash flow problem

Boca Raton and the broader Palm Beach corridor host one of the densest medspa clusters in the country — an estimated 200+ active aesthetic practices serving an affluent, cash-pay patient base across South Florida. Cash flow here isn't a demand problem. It's a timing problem.

Injectable inventory — Botox, Dysport, Juvederm, Restylane, Sculptra, Radiesse — runs $20K to $60K per quarterly cycle for a single-injector practice, larger for multi-injector clinics. Distributors require payment on delivery. Revenue accrues across the following 6 to 12 weeks as the inventory gets injected. Laser and device platforms compound the problem: a modern CoolSculpting, IPL, or RF microneedling system runs $75K to $250K, and vendor financing approvals routinely take 4 to 8 weeks while the device sits in the showroom and the room stays empty.

Where MCA fits a medspa

A merchant cash advance is the purchase of a slice of future deposits — anywhere from $25K to $500K for a medspa or aesthetic clinic — at a factor between 1.18 and 1.38. You repay through a small fixed daily or weekly ACH debit against the operating account, usually over 6 to 10 months.

Two things matter for medspas. First, the cash-pay nature of aesthetics generates a strong, consistent daily deposit pattern — exactly what underwriters favor. A practice with $100K+/month in card-and-deposit activity from cash-pay procedures qualifies easily. Second, capital lands in 24 to 48 hours, which matters when an Allergan loyalty-discount window is closing, a device vendor offers an end-of-quarter incentive, or a paid-social campaign needs to launch ahead of a seasonal booking peak (December/January and May/June are the two demand spikes in South Florida).

Typical deal sizes for Boca medspas

A single-injector medspa pulling $100K to $180K/month in deposits typically qualifies for $60K to $150K at a 1.22 to 1.32 factor. Standard use cases: quarterly injectable restocks at vendor-best pricing, an IPL or microneedling add-on platform, or a 60-day paid-social acquisition campaign that needs to land before the next booking peak.

A multi-injector or multi-location aesthetic clinic doing $400K+/month can step into $200K to $500K positions at tighter factors (1.18 to 1.28). Use cases include adding a six-figure laser or body-contouring platform, opening a second treatment-room build-out, or funding a senior-injector hire's signing bonus and book-building runway (60 to 120 days of guaranteed minimums before the new injector's bookings ramp).

What we look at

6+ months in business, minimum.

$20K/month in business deposits — most established Boca medspas clear this five times over.

500 FICO floor on the owning practitioner(s) — but for cash-pay aesthetics, deposit consistency matters more than the score itself.

A US business bank account with daily cash-pay deposit activity. Four months of statements gets the underwriter a real number. No tax returns, no projection deck, no chair-utilization slides.

Why Commera

Commera is a broker, not a lender. We shop your file across a panel of MCA funders rather than locking you into the first quote. Factor spreads on the same aesthetic-clinic file can run 1.22 to 1.36 — on a $150K advance, that's a $21,000 difference in total payback. Worth the few hours of shopping.

We don't charge applicants. Our compensation comes from the funder when a deal closes, and it's disclosed up-front on every quote. If vendor financing for a six-figure device, or an SBA conversation for a second-location build-out, is the better path, we'll route you there. That's the point of being a broker rather than a captive lender — we pick what works.

What you'll need to apply

• Four months of business bank statements (PDFs from the bank's portal — not screenshots)
• Driver's license, front and back
• Voided business check from the operating account
• EIN (sole proprietors enter SSN where prompted)

About 5 minutes for pre-qual. Full underwriting takes another 6 minutes after that.

Two recent Boca-market scenarios

Illustrative examples constructed from typical deal shapes; not actual customer files.