We help aesthetic clinics fund the equipment that grows their revenue. Structured around how your clinic actually earns, placed with the right lender from a UK panel, and handled start to finish by one team.
A treatment machine is an income asset. Set your own numbers and see how many treatments a month cover the payment, and what's left over.
Illustration only. Revenue is before consumables, staff and other costs. The rate shown is a planning assumption you set; your actual rate and payment are set by the lender after a credit assessment. Finance payments shown exclude VAT.
Most clinics are offered finance by whoever sells them the machine, or go to a bank or a broker who covers every sector. Each route has a blind spot.
| Supplier's own finance | High-street bank | Generalist broker | Mono Capital Finance | |
|---|---|---|---|---|
| Understands treatment revenue | Partly | Rarely | Rarely | Aesthetics is all we do |
| Choice of lender | One | One | Many, across every sector | A panel chosen for clinics |
| Credit searches | One | One | Often several | One, to the best-fit lender |
| Equipment from any supplier | Their range only | Yes | Yes | Yes, new or used |
| Clinics under two years old | Varies | Difficult | Varies | Considered on their merits |
| Who you deal with | A sales rep | A call centre | Whoever picks up | One named contact |
One application, one credit search, one point of contact from quote to payout.
What you're buying, what it will earn and what monthly figure works for your cash flow.
Director ID, recent bank statements, and your latest accounts where you have them.
We take your case to the lender most likely to say yes on the best terms, with one fallback.
You sign directly with the lender. Every cost, including our commission, is set out first.
Once your equipment is installed and signed off, the lender pays your supplier.
The discipline of a City credit desk, applied to a clinic that wants its next room earning.
New and used equipment from any reputable supplier, UK or overseas.
Hair removal, pigmentation, vascular and resurfacing platforms.
Radiofrequency, microneedling RF, HIFU and skin tightening systems.
Cryolipolysis, EMS and fat reduction devices.
Hydrodermabrasion, oxygen and multi-function facial systems.
Skin analysis and imaging that sharpen consultations and conversion.
Treatment beds, furniture and refurbishment, where the lender allows.
UK limited companies, from a first treatment room to a group of sites.
Under two years' trading, or no accounts yet. We present the business plan and the director's track record, not just the numbers.
Adding a second or third device, upgrading older kit, or opening a new room.
Doctor, nurse and dentist-led clinics adding aesthetic services to an existing practice.
Programmes across several sites, with facilities sized to your roll-out.
The ones clinics ask before they apply.
An initial conversation and quote involve no search. When you apply, we submit to one lender first, so one search is recorded. We only go to a second lender if the first declines, and we tell you before we do.
No. We are paid a commission by the lender when your agreement goes ahead. The amount is disclosed to you before you sign.
Often, yes. Lenders will look at the directors' experience and personal credit, your plan for the equipment, and sometimes ask for a deposit or additional guarantee. We tell you up front which lenders suit a newer business.
Many clinics finance the full cost. A deposit can lower the monthly payment or help a newer business get approved. We show you both options.
It depends on the structure. On hire purchase the VAT is usually paid at the start and can be reclaimed if you're VAT registered; on a lease it's added to each payment. We explain the cash flow of each before you choose.
Most agreements can be settled early. The terms are set by the lender, and we confirm them before you sign.
Not at present. We currently arrange finance for limited companies only.
Send us the basics and we'll come back with indicative figures and the lenders that fit, usually the same working day.
finance@monocapitalfinance.co.uk