Red Light Therapy Bed Financing: Lease, or Buy in 2025
Published by Red Light Wellness | Updated September 2025
Why Financing Matters
Red light therapy has moved from the margins of wellness into the mainstream. What began as an alternative recovery tool for athletes and biohackers is now a must-have service in gyms, spas, medspas, and medical practices. Today, red light therapy beds are in high demand for skin rejuvenation, pain relief, improved circulation, and overall cellular health.
But here’s the challenge: professional red light therapy beds don’t come cheap. Depending on the model and use case, equipment costs can range from $10,000 for entry-level wellness beds to over $100,000 for advanced clinical systems. That kind of upfront investment can put a strain on startups, growing wellness centers, and even established medical clinics.
This is where red light therapy bed financing becomes a game-changer. By spreading the cost into manageable monthly payments — sometimes as low as $199 per month with programs like those offered by Red Light Wellness — entrepreneurs and practitioners can launch or expand without tying up their entire budget.
In this guide, we’ll cover everything you need to know about financing red light therapy equipment, from cost comparisons to financing options, leasing vs. renting, and how to qualify. Whether you’re a new spa owner, an established medspa, or a clinic looking to expand services and modalities, you’ll find actionable steps here to help you decide.
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Understanding Red Light Therapy Bed Costs and ROI
Before we get into financing options, it’s important to understand what red light therapy beds typically cost — and what kind of return on investment (ROI) they can deliver.
Typical Equipment Costs
Wellness-grade red light beds (gyms, spas, salons): $20,000 – $40,000
Medical-grade photobiomodulation beds (clinics, chiropractors, dermatologists): $30,000 – $100,000+
At-home panels or mini devices (not full beds): $300 – $2,000
The difference usually comes down to size, intensity, FDA registration, professional-grade, and durability. Medical practices may require higher-end systems that can withstand daily, multi-patient use, while spas and gyms often opt for mid-tier beds that balance affordability and effectiveness.
Service Pricing
Most wellness centers and clinics charge between $45 and $125 per red light therapy session, depending on the market and whether it’s sold as a standalone service or bundled with other treatments.
ROI Example
Let’s look at a simple ROI breakdown for a spa financing a bed at $199/month:
Average session price: $49
20 sessions per week: $3,920 in monthly revenue
Profit after financing: $3,721/month
For a clinic financing a $40,000 medical-grade bed:
Monthly payment (example): $1,500
Average session price: $60
At 50 sessions/month: $3,000 net profit after financing
The math is simple: most businesses cover their financing payment with just 5–10 sessions per week. Everything beyond that is profit, which makes financing one of the smartest paths to adding red light therapy beds. Check out our ROI Calculator below.
Red Light Therapy Bed ROI Calculator
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Year One ROI Multiple & Percentage
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Book a 5-Minute CallWhat Is Red Light Therapy Bed Financing?
Red light therapy bed financing is a way to acquire professional equipment without paying the entire cost upfront. Instead, the purchase is spread over time in predictable installments.
Here’s what that means in practice:
Financing (Installment Loans): You make monthly payments until the bed is paid off. Once complete, you own it outright.
Leasing: Instead of owning immediately, you lease the bed. Many leases are lease-to-own, which means you can buy it for a final lump sum at the end.
Rentals or Subscriptions: You pay a higher monthly fee for short-term use. This works well if you want to test demand or need seasonal flexibility.
Outright Purchase: You pay upfront and own the bed immediately, which makes sense for businesses with strong cash reserves.
Each model has its pros and cons. Financing spreads out costs and builds ownership. Leasing gives you flexibility. Rentals are lower risk but don’t build equity. And outright purchases require cash but eliminate long-term obligations.
Not sure which option fits your situation?
Financing Options for Individuals
Not everyone searching for red light therapy beds is a business owner. There’s a growing consumer market of health enthusiasts who want professional-level equipment in their homes. For these buyers, the financing landscape looks a little different.
Equipment Financing Partners
Many manufacturers and distributors, including Red Light Wellness, offer financing options through their wellness equipment service partners. These partners have different partnerships with various banks and can look for the line of credit that makes the most sense for each individual's needs and requirements. Working directly with our approved partners often simplifies the approval process and provides individuals with more options for financing.
Personal Banker Services
Individuals with good standing with their personal bank can request financing options through their personal banker. This option, though, may make individuals more comfortable in the process initially, but it may come with extra steps and hurdles that are unknown and lead to delays and frustration, as most banks are not familiar with the equipment and may require a lot more paperwork and unknown hurdles to get you funded with the same or more costly financing options.
Healthcare Financing Cards
Programs like CareCredit and Wells Fargo Health Advantage are primarily designed for medical procedures, but in some cases, they can be used for health-related equipment purchases. These cards often come with flexible payment options and promotional no-interest plans, and usually cap out at $5000.
Key Takeaway for Individuals
If you’re buying for personal wellness, equipment finance partners or a buy-now-pay-later service may be your best bet. These options provide immediate access without requiring a major upfront investment.
Ready to explore your options?
Financing Options for Businesses and Clinics
When it comes to red light therapy bed financing, the real opportunity lies with businesses. Whether you’re launching a new spa, expanding your medspa, or upgrading your medical clinic, financing unlocks growth without tying up your cash reserves. Let’s break it down by business type.
New Business Owners (Startups, Spas, Gyms, Entrepreneurs)
For startups, the biggest barrier to entry is the upfront equipment cost. Financing removes this obstacle by lowering the monthly outlay to something manageable.
This is ideal for:
Entrepreneurs opening a boutique wellness studio
Gyms adding recovery services
Salons leveling up to meet demand with red light therapy
With a lease-to-own program, you can start generating revenue immediately while building equity in your equipment. Approval is often based on personal credit, so even if your business is brand new, you may still qualify.
Example: A fitness studio adds a red light therapy bed on a $199/month financing plan. Charging $40 per session, just 5 sessions per week covers the payment. Everything after that becomes profit.
Thinking about launching your business?
Established Businesses (Wellness Centers, Medspas, Chiropractors Adding Services)
For established businesses, financing isn’t about survival — it’s about scaling smart. Instead of draining cash reserves to buy equipment, you can spread the cost and keep capital available for marketing, staffing, or additional upgrades.
Benefits for established businesses include:
Multi-device financing for opening multiple treatment rooms
Bundled packages that combine equipment, installation, and training in one monthly payment
Tax advantages, since financed equipment can be depreciated and interest may be deductible
Example: A medspa adds two red light therapy rooms with a bundled financing package. Within three months, the new service line generates enough revenue to cover payments and increase overall profitability — all while keeping cash on hand for advertising campaigns.
Doctors & Clinics (Medical Practices, Dermatologists, Chiropractors, Functional Medicine)
Medical practices often require higher-end photobiomodulation systems, which can easily exceed $50,000 to $100,000. Financing allows clinics to adopt these advanced technologies without bearing the entire cost upfront.
Key benefits for medical practices:
Access to specialized medical equipment financing partners
Longer terms that spread costs out over several years
Lease programs that include warranty protection and compliance support
Alignment with patient demand: financing is often covered within just a few weekly sessions
Example: A chiropractic clinic finances a $40,000 bed at $1,500/month. By offering 50 sessions per month at $60 each, the clinic generates $3,000 in net profit after financing — while adding a valuable new service for patients.
How to Qualify for Red Light Therapy Bed Financing
So, what does it take to get approved? The process varies depending on whether you’re an individual, a startup, or an established business.
For Consumers
Most consumer financing programs require a credit score of 600+, proof of income, and a simple application process. Some vendors offer no-credit-check financing, though terms may be less favorable.
For Startups
Since startups don’t have established revenue, approval is usually based on the owner’s personal credit history. Some lenders may request a modest down payment, while others can offer no-money-down lease-to-own options.
For Established Businesses and Clinics
Businesses with consistent revenue can qualify for stronger financing terms. Lenders will typically look at:
Business revenue history
Time in business
Credit scores of the business and owner(s)
Outstanding debts or obligations
Background of the owners
Tips for Improving Approval Odds
Pay down credit cards before applying to boost your score
Prepare documents like bank statements or tax returns if requested
Consider a co-signer if your credit profile is thin
Apply through vendors like Red Light Wellness, who already partner with financing companies
Red Light Therapy Bed Financing vs. Leasing vs. Buying
One of the most common questions businesses ask is: “Should I finance, lease, rent, or just buy a bed outright?” Each option has its own strengths and trade-offs. The right choice depends on your goals, risk tolerance, and available capital.
Financing (Installment Loans)
Financing is the most common path for spas, gyms, and clinics. You make fixed monthly payments until the bed is paid off, and at the end of the term, you own it outright. This option allows you to start generating revenue immediately without a huge upfront investment.
Leasing
With leasing, you pay to use the equipment over a set term, often with the option to buy at the end. Lease-to-own programs are popular with startups because they minimize upfront costs, and allow you to upgrade equipment more easily and provide potential tax benefits. You may be able to deduct your payment like you would your phone bill, electric bill, and the rent of space. This clearly reduces the overall cost of your financing. Check with your accountant.
Outright Purchase
Buying outright means paying the full cost upfront. While this eliminates monthly payments and interest, it also requires substantial capital. For many small businesses, this ties up too much cash that could be better used for marketing, staff, or other growth expenses.
Risks and Considerations
Financing makes red light therapy beds accessible to more businesses, but it’s important to understand potential risks before signing an agreement.
Interest Rates and Fees
Not all financing is created equal. Some lenders advertise low monthly payments but bury high interest rates and hidden fees in the fine print. Always ask for the annual percentage rate (APR) and total repayment amount before committing.
Over-Leveraging
Just because financing is available doesn’t mean you should stretch beyond your means. Run conservative ROI projections to ensure your business can comfortably cover payments, even in slower months.
Vendor Reputation
Work only with trusted vendors who have established partnerships with financing companies. A reputable partner helps you avoid predatory terms and ensures equipment quality.
Alternatives to Financing
If traditional financing doesn’t fit your situation, there are alternative ways to bring red light therapy into your business or home.
Buying Used Equipment
Pre-owned red light therapy beds can sometimes be purchased at a discount. While this lowers upfront costs, it often means shorter warranty coverage and less reliable performance.
Shared Ownership
Wellness professionals can pool resources to share ownership of a bed. For example, a chiropractor and a massage therapist might split financing and share access to the same system.
Crowdfunding
Entrepreneurs launching new wellness businesses sometimes use crowdfunding platforms like Kickstarter or GoFundMe to raise initial capital for equipment.
While these alternatives can work in specific situations, financing remains the most common path because it balances affordability, ownership, and long-term ROI.
Future Trends in Red Light Therapy Bed Financing
The financing landscape for wellness equipment is evolving quickly. What used to be limited to traditional bank loans or vendor leases has expanded into creative, flexible solutions tailored to entrepreneurs and healthcare providers. If you’re considering red light therapy bed financing, here’s what to expect in the near future.
Fintech and Instant Approvals
More lenders are integrating advanced fintech tools that can deliver same-day approvals. Instead of waiting days for underwriting, business owners can often receive a financing decision in just a few minutes. This makes it easier to act quickly when new opportunities arise.
AI-Driven Risk Assessments
Artificial intelligence is helping lenders evaluate risk beyond credit scores. For example, a startup spa with strong projected revenues and pre-sold memberships may qualify more easily than in the past, even with limited credit history. This opens doors for entrepreneurs who might not have been approved under traditional models.
Rising Consumer Demand for Financing
Consumers themselves are increasingly comfortable financing wellness services and equipment. This trend makes it easier for businesses to package memberships and payment plans, ensuring that financing works on both sides — for the operator and for the end user.
Red Light Bed Financing Frequently Asked Questions
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Yes. Many vendors, including Red Light Wellness, partner with financing providers who specialize in startup-friendly programs. Payments can start as low as $199/month, making it possible to launch a business with minimal upfront cost.
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Absolutely. Leasing is a popular choice for gyms, spas, and entrepreneurs who want to test demand before committing to full ownership. Lease-to-own programs also allow you to build equity over time.
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Prices typically range from $10,000 to $30,000 for wellness-grade beds and $30,000 to $100,000+ for advanced clinical systems. Financing spreads these costs into manageable monthly payments.
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It depends on your situation. Renting is great for short-term or seasonal use, but financing is better if you want ownership and long-term ROI.
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Most spas and clinics break even within 5–10 client sessions per month. After that, every additional session contributes to profit.
Take the Next Step
Red light therapy is one of the fastest-growing services in both wellness and healthcare. But the equipment costs can feel intimidating if you’re thinking about buying outright. That’s why financing has become the preferred path for startups, established businesses, and clinics alike.
Startups can launch for as little as $199/month without draining savings.
Wellness centers and medspas can scale across multiple rooms while preserving cash flow.
Clinics can add high-demand services and see ROI within weeks.
The bottom line: financing allows you to focus on what matters most — serving your clients — while your equipment pays for itself.
📞 Your next step is simple:
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