How medical and med spas underwrites
What differs here from the general order underwriters work in.
- Insurance reimbursement introduces a lag between service and deposit that pure-cash practices do not have.
- Aesthetic and elective practices are largely card-based and read much more like retail than like medicine.
- Equipment financing already in place is common and shows up as fixed obligations against the receipts.
- Practice ownership structures can be complex, and the entity on the application must match the one holding the account.
The general order underwriters work in is covered in what funders actually look at. The points above are what differs here.
Why medical and med spas deals get declined
Screen for these on the first call.
- Entity mismatch between the practice, the professional corporation and the account
- Heavy existing equipment finance consuming the receipts
- Reimbursement lag making deposits look thinner than the trade
- Newly opened practices below the time-in-business floor
Funder appetite
Which funders want this paper, and when.
Strong. Margins and receipt predictability make this attractive paper, and larger advance sizes are readily placed. Elective and aesthetic practices generally price better than insurance-dependent ones.
Seasonality
Mild but real. Elective procedures soften in late summer and spike before holidays; insurance-based practices see deductible-reset effects early in the year.
How we handle verticals
Leads are assigned in rotation off live traffic, not picked from a menu — we cannot promise a pure order of any single industry. What we can do is tell you honestly whether the volume exists to weight your leads toward medical and med spas, before you spend anything.
Exclusive-lead minimums
Every exclusive lead clears all of these, whatever the vertical. The minimums apply to exclusive leads only.
- Over $30,000/month in revenue
- Requesting over $15,000
- 6+ months in business
- 4 months of bank statements available
- U.S.-based
- Mobile-verified by 6-digit code
- Complete contactable record
Questions
What revenue do medical and med spas leads typically show?
$60K–$300K/month, with advances typically landing at $40K–$150K. Every exclusive lead clears the same 7 minimums regardless of vertical.
Can I get only medical and med spas leads?
Weighted toward medical and med spas, yes, where volume allows; a guaranteed order of only medical and med spas leads, no — leads are assigned in rotation. They come off live traffic rather than a menu, so a pure single-industry order is not something we can honestly promise. Weighting needs the volume to support it, and we will tell you plainly before you order whether it does.
Why do medical and med spas deals get declined most often?
Entity mismatch between the practice, the professional corporation and the account, most commonly. The others worth screening for on the first call are heavy existing equipment finance consuming the receipts, reimbursement lag making deposits look thinner than the trade, newly opened practices below the time-in-business floor.
How much do the leads cost?
Exclusive, mobile-verified MCA leads run $65–$120 on the open market (checked 29 August 2026). Ours are $60 each, sold to one broker. Shared leads are $40 and aged leads are $0.35. Live submission data is quoted directly. Every band on the market, and the cost per funded deal, is in how much MCA leads cost.
Full pricing and the market context is on the buy page. The other three products have their own pages: shared MCA leads, aged MCA leads and live submission data.
Other verticals
$30K–$180K/month, clustered at the lower end for owner-operators
$25K–$120K/month for independents
$50K–$400K/month, with a long tail above
$30K–$200K/month
$40K–$250K/month
$30K–$150K/month for independents, higher for multi-bay collision
$50K–$500K/month, scaling fast in either direction
$30K–$90K/month for a single location
$40K–$300K/month gross, with true margin a fraction of it
$30K–$120K/month for independents and single-location studios
$30K–$180K/month in season, far lower out of it
$60K–$600K/month
$80K–$700K/month gross, with margin a small fraction of it