Quick answer: Finance long-life identifiable equipment separately where practical, then size business or fitout funding for non-removable works and preserve cash for rent, wages, consumables and marketing. A $100k laser and a $30k opening cash buffer have different repayment lives and security value.
Questions business owners commonly ask
- The laser alone is about $100k — can it secure its own finance?
- How much cash should go into the fitout versus opening runway?
- The landlord wants a bank guarantee too — how do I stop setup costs consuming everything?
Separate equipment from premises
Lasers, treatment devices and other identifiable assets may support equipment finance. Floors, partitions, plumbing and décor are tied to the lease and usually have less standalone security value.
Budget the hidden opening costs
Approvals, insurance, deposits, merchant systems, stock, training, uniforms and initial marketing can materially increase the cash requirement.
Device revenue needs real utilisation
Before financing a major device, model treatment price, consumables, staff time, appointment utilisation and realistic ramp-up.
Stage equipment where demand is unproven
Starting with the treatments that have evidenced demand can reduce debt versus buying every desired machine before the client base exists.
Related guides
Request business finance options.
General information only. Business lending policy, security, guarantees, pricing, covenants and documentation vary by lender and transaction. This is not legal, tax or accounting advice.
Frequently asked questions
Can a laser be equipment-financed?
Potentially, depending on asset, supplier and lender policy.
Can fitout use asset finance?
Structural fitout is usually different from identifiable equipment.
How much runway should I keep?
Use a conservative monthly forecast.
Should I buy second-hand equipment?
Check technical suitability, warranty and lender eligibility.
Can the bank guarantee be funded separately?
Some banking structures support guarantees; compare security and cash impact.
Sources and verification
Need help matching this to a business-finance option?
GPS Finance can review the funding purpose, conduct, documents and lender fit before you make a formal enquiry.
