How it Works

  • Apply Online

    Get Started in Minutes. Applying for aesthetic equipment financing with TOC Aesthetics Solutions is quick, secure, and commitment-free. Whether you're opening a new clinic or expanding your services, our simple online application puts the right tools within reach.

    What You'll Need:
    - Basic business and contact information
    - Type of equipment you're looking to finance
    - Estimated budget or quote (if available)

    What to Expect:
    - Fast pre-approval in as little as 24–48 hours
    - No impact to your credit score to apply
    - Personal support from our financing advisors

    Ready to grow your clinic?

    Click below to start your application and get one step closer to the equipment your business deserves.

    Start Application 

  • Acquire Equipment

    The Technology You Need, Without the Upfront Cost. At TOC Aesthetic Solutions, we help clinics across Canada get access to top-tier medical aesthetic equipment—without draining their cash flow. Whether you're just starting out or scaling to meet growing demand, we make acquisition easy and affordable.

    What We Finance:
    -     Lasers & IPL systems
    - RF microneedling platforms
    - Body contouring and fat reduction devices
    - Injectable delivery systems
    - Skin resurfacing & rejuvenation technologies
    - Women & Men Wellness (coming soon)

    How It Works:
    -     Choose your preferred supplier—or we’ll help you find one
    - Submit a quote or estimate
    - We pay your vendor directly once you’re approved
    - You start using the equipment and paying over time.

    No large capital outlay. No delays. Just the tools you need to grow.

    Explore Financing Options 

  • Manage Payments

    Flexible Terms That Fit Your Clinic’s Cash Flow. We make repayment as smooth as your treatments. With flexible plans, no hidden fees, and a dedicated advisor by your side, managing your equipment financing has never been simpler.

    Payment Options:
    - Monthly, quarterly, or seasonal plans
    - Early payout flexibility
    - Deferred payment options (start in 90 days)
    - Auto-debit and e-transfer support

    What You Can Count On:
    -     Transparent terms—no hidden fees or surprise charges
    - Dedicated support if your needs change
    - Easy upgrades when it’s time for new technology.

    We grow with you—so your payments stay as predictable as your results.

    View Payment Plans 

Who we help?

Whether you’re focused on skin health, non-invasive rejuvenation, or surgical enhancement—we help you bring more value to your patients, faster.

Start Application

Medical Spas

From startup studios to high-volume clinics, we help med spas access premium aesthetic technologies—without upfront capital strain. Finance lasers, RF, skin resurfacing, or body contouring platforms with confidence, flexibility, and support tailored to your growth stage.

Dermatologists

Stay at the forefront of aesthetic dermatology with cutting-edge IPL, microneedling RF, and advanced skin rejuvenation systems. Our financing solutions let you integrate new services, upgrade equipment, or expand treatment capacity—all while preserving clinic cash flow.

Plastic Surgeons

Complement surgical procedures with non-invasive treatment options your patients expect. We help surgical practices acquire industry-leading energy-based devices, tightening platforms, and recovery-enhancing technology—with flexible structures designed around your unique workflow.

Why Choose Us

  • We’re not a bank. We’re beauty industry specialists

    ✔️ Industry-specific equipment knowledge
    ✔️ Flexible leases, loans, and rent-to-own
    ✔️ Pre-approvals in as little as 24 hours
    ✔️ Vendor integration available
    ✔️ Startups welcome
    ✔️ No hidden fees

Financing Options

  • Lease Options

    • Fixed-Term Lease
    • Rent-to-Own
    • Operating Lease
    • Conditional Sale

  • Ad-On Services

    • Vendor Payments
    • Business Credit Coaching
    • Deferred Payments (start in 90 days)

Client Success Stories

  • “We expanded to 3 new treatments with zero upfront cost. The approval was fast, and now we’re generating 3x more revenue.”

    — Melissa L., Cosmetic Nurse

  • “This financing gave me the freedom to grow my dream clinic without giving up equity.”

    — Jason R., Med Spa Owner

  • "With TechOClock’s support, I was able to upgrade our RF-microneedling technology and launch two new services in under a month. The process was simple, and I never had to pause cash flow to invest in growth.”

    — Maryna, Med Spa Owner

Partner With Us

  • Equipment sellers, boost your sales by offering instant financing.

    • Co-branded application links
    • Fast approval = faster sales
    • We handle customer risk + payment
    • “Finance it” button for your website

Frequently Asked Questions

What types of equipment can I finance?

Lasers, RF microneedling, IPL, body contouring systems, injectables equipment, skin rejuvenation platforms, and more.

Do I need perfect credit?

No. We look at your full profile, including business history, equipment type, and potential—not just credit score.

Can I finance more than one item?

Yes, we can bundle multiple pieces of equipment into one simple financing agreement.

Will I own the equipment at the end?

In most cases, yes. We offer both lease-to-own and conditional sale options.

How long does the approval process take?

Most applications are approved within 24–48 hours, depending on documentation and deal size.

Do I need a business license to qualify?

Yes, you must be operating a registered Canadian business or professional medical practice.

What if I’m just starting out?

We work with startups too! A personal guarantor or business plan may be required.

Can I choose my own equipment supplier?

Absolutely. You can select a vendor you trust, or we can connect you with our trusted partners.

Is there a minimum or maximum amount I can finance?

We typically finance from $5,000 to $250,000+, depending on your needs and credit profile.

Do you offer deferred payments?

Yes, we have seasonal and deferred payment options—so you can start earning before your first payment is due.

Let’s Get You Funded

Apply Online Book a Free Consultation Call Speak to a Financing Advisor