Guide · updated Sep 2026
Aesthetic device financing guide: how a $39,990–$89,000 purchase is actually paid for
Aesthetic device financing through DNA Distribution runs on a 60-month equipment term loan with Brickhouse Financial: $0 down for qualified buyers, around 11.3% APR, subject to applicant and provider approval. That puts our range between ≈ $875 and ≈ $1,948 a month, on devices priced from $39,990 to $89,000.
- 60-month equipment term loan
- $0 down for qualified buyers
- ~11.3% APR, subject to approval
- Same terms on both lines
Alba answers instantly; a specialist follows up within minutes during business hours (9–7 ET). Prefer to talk now? Call (305) 563-3366.
The instrument
What you are actually signing
Not a lease, not a subscription, not a rental. An equipment term loan, and the differences matter.
Brickhouse Financial, 60 months. DNA Distribution works with Brickhouse Financial on an equipment term loan over a 60-month term, $0 down for qualified buyers, at around 11.3% APR. You are the owner of the equipment from the start, and you repay in fixed monthly instalments over five years.
Why the term matters as much as the rate. A monthly payment quoted without a term is not information. Anyone can make a number small by stretching the schedule. Every monthly figure on this site is explicitly a 60-month, $0-down, qualified-buyer figure — approximately 0.02188 per dollar financed per month — and we write the term next to the number every time so the comparison is honest.
Subject to approval, always. DNA Distribution does not underwrite, approve or decline anything. The lender does. Every figure here is illustrative and subject to applicant qualifications and independent provider approval. If a device rep ever tells you that you are approved, they are describing something they cannot know.
Ownership. Because this is a loan rather than a lease, the device is yours. That has consequences for the balance sheet and for tax treatment — consequences you should discuss with your tax advisor rather than with us.
Qualification
Who gets approved, honestly
The three numbers the lender looks at first, and what happens when you do not have them.
Time in business
2+ years
Two or more years of trading history is the typical threshold. It is the cheapest evidence a lender has that the business survives its own seasonality.
Credit profile
670+
A 670+ credit profile is the typical qualification. Below it, a file can still work, but expect more documentation and a closer look at the personal guarantee.
Deposits
$8,000+/mo
Monthly business deposits of $8,000 or more is the typical threshold. Deposits, not revenue on a P&L — the lender is looking at what actually moves through the account.
If you are a startup
Startups are reviewed case by case. The lender will weigh liquidity and tax returns more heavily and will lean harder on the personal guarantee. It is not a refusal; it is a different file, and it is worth opening early rather than at the end of your buying process. Bring evidence of cash on hand, your returns, and a realistic view of your first-year schedule.
If you do not meet the profile
Say so on the first call. A specialist who knows the shape of your file can put it in front of the lender in the right form, or tell you plainly that the timing is wrong. Neither of those wastes your time; a hopeful application that sits for two weeks does.
The process
From first call to installed device
- 01
A 15-minute discovery call
Your rooms, your menu, your operator, your price ceiling. We map a configuration to your practice before anyone talks about paperwork, because financing the wrong device is worse than not financing at all.
- 02
The 3-way call
You, your DNA specialist and the lender on the line at once. Terms, qualification and the document list are settled in a single conversation instead of three days of forwarded email. This is the step that compresses the timeline more than any other.
- 03
Application and documents
A completed application, identification, business bank statements and a personal guarantee, plus tax returns and liquidity evidence on thinner files. Complete files move quickly; incomplete ones do not.
- 04
Approval and terms
The lender issues terms. Read them. Confirm the term length, the rate, any down payment, the payment start date and any prepayment provisions before you sign anything.
- 05
Order, ship, install
The device is ordered, shipped and installed. Training and certification are scheduled around your delivery date, not after it.
- 06
Marketing go-live
The 90-Day Launch Program starts from marketing go-live: managed marketing plus up to $2,500 of ad spend, running until 30 booked paying clients or day 90, whichever comes first.
Documents
What the lender will ask you for
Assemble this before the 3-way call and the process is usually short. Assemble it afterwards and it usually is not.
A completed credit application
Legal entity name, EIN, ownership structure, time in business, and the amount being financed. Errors here cause more delay than anything else in the file.
Business bank statements
Typically several recent months. The lender is checking deposit consistency, not just size. Statements from every account the business uses.
Identification
Government-issued ID for each guarantor, plus entity documents where the structure is not straightforward.
A personal guarantee
Standard on equipment term loans at this size. Understand what you are guaranteeing and for how long before you sign it.
Tax returns
Requested on startups and thinner files, and sometimes on larger transactions. Business returns, and personal returns for guarantors.
Evidence of liquidity
For startups especially: cash on hand, reserves, and anything demonstrating you can carry the payment through a slow first quarter.
The exact list is the lender's to set and can vary with the size of the transaction and the strength of the file. Alba answers instantly; a specialist follows up within minutes during business hours (9–7 ET).
The numbers
Monthly payment for every model we distribute
Every figure below assumes the same instrument: a 60-month equipment term loan, $0 down for qualified buyers, around 11.3% APR, subject to applicant and provider approval.
| Model | Brand | Price | Illustrative monthly* | First 12 months* | First 24 months* |
|---|---|---|---|---|---|
| Cryoskin® Revolution Dynamic | Cryoskin® | $39,990 | ≈ $875/mo | ≈ $10,500 | ≈ $21,000 |
| Cryoskin® Revolution Full Unit | Cryoskin® | $59,990 | ≈ $1,313/mo | ≈ $15,756 | ≈ $31,512 |
| icoone® Microfacial | icoone® | $58,000 | ≈ $1,270/mo | ≈ $15,240 | ≈ $30,480 |
| icoone® Beauty | icoone® | $79,000 | ≈ $1,729/mo | ≈ $20,748 | ≈ $41,496 |
| icoone® Laser Beauty | icoone® | $85,000 | ≈ $1,860/mo | ≈ $22,320 | ≈ $44,640 |
| icoone® Medical | icoone® | $87,000 | ≈ $1,904/mo | ≈ $22,848 | ≈ $45,696 |
| icoone® Laser-Med | icoone® | $89,000 | ≈ $1,948/mo | ≈ $23,376 | ≈ $46,752 |
| icoone® Microfacial — Founders’ 25 | icoone® | $50,000 | ≈ $1,095/mo | ≈ $13,140 | ≈ $26,280 |
*Illustrative only. Financing is subject to applicant qualifications and independent provider approval. Illustrative monthly figures assume a 60-month term with $0 down for qualified buyers. A 60-month loan runs beyond the columns shown; the 12- and 24-month columns are the first one and two years of payments, not the total of the loan. Founders’ 25 pricing applies to the first 25 U.S. owners of the icoone® Microfacial.
| Model | Best for | Investment | Illustrative monthly* | Technology | Regulatory context | |
|---|---|---|---|---|---|---|
| Cryoskin® Revolution Dynamic | Spas and med spas adding body, skin and facial sessions with one operator | $39,990 | ≈ $875/mo | Cryo-thermal wand with exclusive Temperature Stabilizer | Non-invasive cosmetic aesthetic use | Get pricing & payment options |
| Cryoskin® Revolution Full Unit | Higher-volume rooms running a hands-free static session alongside a wand session | $59,990 | ≈ $1,313/mo | Dynamic wand + four static heads for hands-free sessions | Non-invasive cosmetic aesthetic use | Get pricing & payment options |
| icoone® Microfacial | Facial-led menus: med spas, skin clinics, hotel spas adding a signature facial | $58,000 | ≈ $1,270/mo | Roboderm® + 650 nm LED Photodynamic handpiece + ICO-ONE skincare · 22 programmes · 21 face protocols | Cosmetic aesthetic configuration | Get pricing & payment options |
| icoone® Beauty | Aesthetic centers and spas building face + body programs without laser | $79,000 | ≈ $1,729/mo | Roboderm® Multi Micro Alveolar Stimulation · 24 programmes | Cosmetic aesthetic configuration | Get pricing & payment options |
| icoone® Laser Beauty | Aesthetic practices that want the laser + LED handpieces and the cleared indications | $85,000 | ≈ $1,860/mo | Roboderm® + 915 nm laser + 650 nm LED · 24 programmes | FDA 510(k) K182453 — four labeled indications | Get pricing & payment options |
| icoone® Medical | Clinics, physical-therapy, chiropractic and plastic-surgery practices (non-laser) | $87,000 | ≈ $1,904/mo | Roboderm® Multi Micro Alveolar Stimulation · 40 programmes (24 aesthetic + 16 medical) | Cosmetic aesthetic configuration | Get pricing & payment options |
| icoone® Laser-Med | The flagship: medical practices that want laser + LED and the cleared indications | $89,000 | ≈ $1,948/mo | Roboderm® + 915 nm laser + 650 nm LED · 40 programmes (24 aesthetic + 16 medical) | FDA 510(k) K211272 — four labeled indications | Get pricing & payment options |
Pricing as of Sep 2026. *Financing is subject to applicant qualifications and independent provider approval. Illustrative monthly figures assume a 60-month term with $0 down for qualified buyers. Every full-price device includes training, shipping, installation, warranty and the 90-Day Launch Program (written terms apply).
Tax
Section 179 and depreciation
Buyers ask about Section 179 on nearly every call, usually because another rep has used it as a closing line. Here is our whole position on it: discuss it with your tax advisor.
We are a device distributor. We are not qualified to give tax advice and we do not offer any. How an equipment purchase is treated depends on your entity type, your income, your other capital expenditure, the year in which the device is placed in service, and current law — none of which a sales page can know or should be guessing at.
What we can do is give your accountant clean information: the purchase price, the financing terms, the delivery and installation dates, and what is included in the price. Ask us for it and we will put it in writing.
The other half
A payment is only comfortable if the schedule fills
Financing solves the purchase. Demand solves the payment. Both lines come with the same launch support for exactly that reason.
The device with the smallest payment is not the safest purchase; the device with the fullest schedule is. That is why the 90-Day Launch Program exists in place of discounting: $39,990 or $89,000, the constraint is the same, and it is bookings.
Use the planner to check the payment against a session price you would actually charge. It deducts the illustrative payment and consumables only — not staff, rent, marketing or taxes.
Illustrative session-economics planner
Illustration, not a forecast or financing quoteAssumption: sessions/day × price × operating days, minus an illustrative 60-month, $0-down payment (factor 0.02188 per dollar financed, subject to approval) and consumables. Does not deduct staff, rent, marketing or taxes, and does not assume utilization. Not a guarantee, projection, or promise of earnings; actual results depend on your market, pricing and operations.
Revenue and ROI figures shown on this site are illustrative estimates based on assumptions you select. They are not guarantees, projections, or promises of earnings. Actual results depend on your market, pricing, operations, and business practices.
90-Day Launch Program
Pay full price — we fund your first 90 days of ads and marketing.
$10,000 program value, on us (managed marketing + up to $2,500 ad spend).
- Paid ads built and managed by our team, up to $2,500 ad spend included
- Landing page, funnel and CRM configured for your practice
- Same-day lead response with Alba and our appointment setters
- Runs until 30 booked paying clients or day 90, whichever comes first
*Full-price device purchases only; not combinable with promotions, discounts, or demo units. Includes fully managed marketing and an ad budget of up to $2,500 across 90 days. Program runs from marketing go-live until 30 booked paying clients or 90 days, whichever comes first. Requires Launch Playbook participation (our pricing, creatives, funnel, same-day lead response).
Where to go next
Related pricing and buying pages
Cryoskin® cost · icoone® cost · Med spa device ROI guide · icoone® vs Cryoskin® · Body contouring devices · 90-Day Launch Program · Buying icoone® · Training and support
Start the conversation
Get your terms in writing
Alba answers instantly; a specialist follows up within minutes during business hours (9–7 ET). Prefer to talk now? Call (305) 563-3366.
Questions buyers ask
How does aesthetic device financing work?
+
Through an equipment term loan. DNA Distribution works with Brickhouse Financial on a 60-month term at $0 down for qualified buyers and around 11.3% APR. You own the equipment and repay monthly; the device itself is generally the collateral. Everything is subject to applicant qualifications and independent provider approval — no distributor can approve you.
Do I qualify?
+
Typical qualification is two or more years in business, a 670+ credit profile and $8,000+ in monthly deposits. Meet all three and approval is usually straightforward. Startups are reviewed case by case, with liquidity and tax returns weighed more heavily. All financing is subject to applicant qualifications and independent provider approval.
What is $0 down and is it real?
+
It means no deposit at signing for qualified buyers — the loan covers the device and payments start on the schedule the lender sets. It is real, it is conditional on qualification, and it is not universal: applicants outside the typical profile may be offered terms that include a down payment. Ask for your specific terms in writing before you commit.
What is the monthly payment on each model?
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Cryoskin® Revolution Dynamic ≈ $875/mo on $39,990; Full Unit ≈ $1,313/mo on $59,990. icoone® Microfacial ≈ $1,269/mo on $58,000; Beauty ≈ $1,730/mo on $79,000; Laser Beauty ≈ $1,860/mo on $85,000; Medical ≈ $1,904/mo on $87,000; Laser-Med ≈ $1,948/mo on $89,000. All figures assume 60 months, $0 down, qualified buyers, subject to approval.
What documents will the lender ask for?
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Typically a completed application, business and personal identification, several months of business bank statements, and a personal guarantee. Startups and thinner files should also expect to provide tax returns and evidence of liquidity. The exact list is the lender’s to set, and it can change with the size of the transaction.
How long does approval take?
+
Often quickly once a complete file is in front of the lender. The delay in most transactions is not underwriting — it is a document that was never sent. That is precisely why we run a 3-way call with you, your DNA specialist and the lender on the line at once, so the list is agreed in one conversation.
Can I claim Section 179 on an equipment purchase?
+
Discuss this with your tax advisor. We are not qualified to give tax advice and will not offer any — how an equipment purchase is treated depends on your entity, your income and current law, and it is not something a device distributor should be telling you.
Is financing available on both Cryoskin® and icoone®?
+
Yes, on the same terms and through the same lender: a 60-month equipment term loan at $0 down for qualified buyers, around 11.3% APR, subject to applicant and provider approval. Every full-price device also includes training, shipping, installation, warranty and the 90-Day Launch Program, on either line.
Regulatory scope
Cryoskin® is intended solely for non-invasive cosmetic aesthetic use. It is not intended to diagnose, treat, cure, or prevent any disease or condition, and is not a treatment for obesity or weight loss. Individual results vary.
FDA-cleared wording on this site applies only to the laser-equipped icoone® configurations — icoone® Laser Beauty (510(k) K182453) and icoone® Laser-Med (510(k) K211272) — and only to their four labeled indications: relief of minor muscle aches and pain; relief of muscle spasms; temporary improvement of local blood circulation; temporary reduction in the appearance of cellulite. Non-laser icoone® configurations and icoone® Microfacial are not represented as FDA-cleared.
icoone® is a registered trademark of I-Tech Industries S.r.l. Outcome figures cited by the manufacturer come from i-Tech clinical evaluations; individual results vary. Any business, pricing or revenue examples are illustrative only.
Revenue and ROI figures shown on this site are illustrative estimates based on assumptions you select. They are not guarantees, projections, or promises of earnings. Actual results depend on your market, pricing, operations, and business practices.