Spa Team International
Spa Financing

Spa Financing from $50K to $2M+

Approved in 24–48 Hours

Equipment financing, full buildout facilities, and milestone-based consulting payment — STI arranges the right capital so you can open on time without depleting reserves.

24–48 hrs
Approval turnaround
$10K
Minimum project size
$20M
Maximum facility size
Best Available
Market rates guaranteed

Three Ways to Finance Your Spa

From single equipment purchases to multi-million dollar buildouts — STI structures the right financing for every project size.

Fastest Approval

Equipment Financing

$10K – $150K
1-business-day approval

Asset-based financing tied directly to the equipment you're purchasing. The equipment itself serves as collateral — no additional assets required. Ideal for single-category purchases like cold plunge systems, red light therapy suites, or PEMF stations.

1-business-day approval up to $150K
Equipment is the collateral — no liens on property
100% equipment cost financed
Fixed monthly payments over 24–60 months
End-of-term purchase, renewal, or return options
Works for new and certified pre-owned equipment
Best for
Single equipment categories, rapid procurement, properties with limited credit history
Most Popular

Project Financing

$150K – $2M+
48-hour approval

Full spa buildout financing that covers equipment, FF&E, OS&E, construction costs, and installation — bundled into a single structured facility. Open your doors without depleting reserves or triggering capital calls.

48-hour conditional approval on full buildout
Equipment + FF&E + construction bundled
90–180 day extended draw terms
Interest-only during construction phase
Custom repayment structured to your revenue cycle
Seasonal flexibility for resort properties
Best for
New spa builds, major renovations, hotel wellness center additions, medspa launches
Zero Upfront

Milestone-Based Consulting

Pay per phase
No credit check required

STI's proprietary payment structure for consulting engagements. Instead of a large consulting retainer upfront, you pay per completed milestone — site assessment, design approval, equipment delivery, staff training, grand opening. You only pay when value is delivered.

No upfront consulting retainer
Pay per completion phase — not per hour
Aligns STI's incentives with your project success
Milestones tied to measurable deliverables
No credit check for consulting-only engagements
Combine with equipment financing for turnkey financing
Best for
Full Build and Portfolio Partner engagements, first-time spa developers, risk-averse operators
Apply for Financing

What Operators Are Financing

New Spa Build

Financing your entire wellness center — equipment, FF&E, and construction — under a single facility with 90-day draw terms.

Major Renovation

Replacing aging equipment and upgrading your spa's technology suite without disrupting operations or cash flow.

Equipment Upgrade

Adding cold plunge, red light therapy, or PEMF to an existing spa with 1-day equipment financing approval.

Multi-Property Rollout

Portfolio financing for hotel groups deploying standardized wellness technology across 3+ properties simultaneously.

Financing FAQ

Ready to Structure Your Financing?

Tell us your project size and timeline — we'll match you to the right capital source and walk you through the application in one 30-minute call.

Apply for Financing +1-888-772-0201