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

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