Commercial Recovery Equipment Financing

Commercial Recovery Equipment Financing: Fund a Full Recovery Room on One Application

Last updated July 2026. Prices verified against the live RecovAthlete catalog.

A recovery room is a $25,000 to $150,000 purchase. Almost nobody pays that in cash. RecovAthlete works with four business lenders so a med spa, TRT clinic, chiropractic practice, tanning studio, or movement studio can install sauna, cold plunge, red light, vibration, and hyperbaric on one quote, one purchase order, and one monthly payment. Approval in as little as 2 hours. Financed equipment can still qualify for a Section 179 deduction.

Commercial recovery equipment financing is an equipment loan or lease that lets a clinic, med spa, studio, or gym pay for a full recovery room over 12 to 60 months instead of in cash upfront. RecovAthlete works with four business lenders: Brickhouse Capital, Reliant Capital, Acorn Finance, and KWIPPED.

One quote for the whole room. Most equipment sellers carry 3 SKUs and cannot price a room. We carry 12 categories, so a single RecovAthlete quote covers every unit in the buildout. That matters for financing: lenders underwrite the total project, not five separate applications, and one application means one approval and one payment.

Key numbers at a glance

  • A recovery room costs $25,000 to $150,000 in equipment, depending on how many categories you install.
  • A $50,000 room works out to approximately $833 a month over 60 months before interest.
  • Brickhouse Capital funds up to $250,000 on a one-page application with no financial statements.
  • Reliant Capital approves commercial applications in 2 to 4 hours and goes to $5M with financials.
  • Equipment financing typically runs roughly 5% to 25% equivalent APR depending on lender, credit, and term.
  • Financed equipment can still qualify for a Section 179 deduction. Confirm with your CPA.
  • RecovAthlete carries all 12 categories, so one quote covers the whole room. Competitors with 3 SKUs cannot price a room.
RecovAthlete has no control over any financing decision. Approval is based on your creditworthiness and is solely the lender's decision.

Financing at a Glance

$50K from ~$833/mo Estimated on a 60-month term. Actual rate set by the lender.
4 business lenders Brickhouse Capital, Reliant Capital, Acorn Finance, KWIPPED
Up to $5M Available for multi-location and multi-room buildouts, with financials
Section 179 eligible Financed equipment can qualify for deduction in the year placed in service. Confirm with your CPA.

In This Guide

  1. How do you finance commercial recovery equipment?
  2. What is the monthly payment on a recovery room?
  3. Equipment loan or lease: which is right?
  4. Does Section 179 apply to a financed recovery room?
  5. Which lender fits your business?
  6. How do you apply for commercial equipment financing?
  7. When should you not finance a recovery room?
  8. Commercial recovery equipment financing FAQ

How Do You Finance Commercial Recovery Equipment?

Quick answerYou finance commercial recovery equipment through an equipment lender, not a credit card. RecovAthlete works with four: Brickhouse Capital (up to $250,000 on a one-page application, approval in 24 hours), Reliant Capital (up to $500,000 application-only, 2 to 4 hour approval), Acorn Finance (up to $100,000, 60-second prequalification), and KWIPPED (competitive lender bidding, 2 to 3 days). Because RecovAthlete carries sauna, cold plunge, red light, vibration, and hyperbaric, one quote covers the entire room and lenders underwrite it as a single project.

Adding recovery services to a clinic, med spa, tanning studio, gym, or movement studio? These four lenders cover equipment financing, leasing, and working capital for the buildout. Every one has different strengths.

The four business lenders compared

Lender Max without financials Max with financials Approval speed Underwrites Best for
Brickhouse Capital $250,000 (one-page application) $1M or more Within 24 hours The business, not personal credit Established practices that want ownership via an EFA
Reliant Capital Group $500,000 (application-only) Up to $5M 2 to 4 hours Practice cash flow Medical and wellness businesses, multi-location rollouts
Acorn Finance $100,000 Not applicable 60 seconds to prequalify Personal credit, 30+ lender marketplace Smaller tickets and soft-check comparison shopping
KWIPPED (APPROVE) Varies by lender bid Varies by lender bid 2 to 3 days for bidding Competitive lender bid Larger deals where a lower APR is worth the wait

Apply with 2 or more lenders to compare offers. Each one underwrites differently, so a decline from one is not a decline from all, and two offers give you a rate to negotiate against.

Brickhouse Capital
Equipment Financing
  • Private direct lender since 2003
  • Up to $250K with a one-page application, no financial statements
  • Up to $1M or more with financials
  • Approval typically within 24 hours
  • Lease or Equipment Finance Agreement (EFA) options
  • Underwrites the business, not your personal credit report
Call 866-861-6317 to apply
Reliant Capital Group
Equipment Leasing and Financing
  • Financing and leasing for medical, aesthetic, and wellness businesses
  • Up to $500K application-only, up to $5M with financials
  • New or used equipment
  • 3 to 24 month deferred payment options
  • 2 to 4 hour credit approvals
Apply with Reliant Capital
Acorn Finance
Lending Marketplace
  • Connects you with 30 or more lenders on one application
  • Loans from $1,000 to $100,000
  • Prequalify in 60 seconds with no impact to your credit score
  • Compare multiple offers side by side
  • No early repayment penalties
  • Funds can arrive as soon as 1 business day after approval
Check offers with Acorn Finance
KWIPPED (APPROVE)
Lender Marketplace
  • Sends your application to a network of equipment finance companies
  • Lenders compete to earn your business, which drives better rates
  • 60-second application, up to 3 offers to compare
  • Terms from 12 to 60 months
  • Roughly 5% to 25% equivalent APR
  • Minimum equipment value $1,500. Businesses only.
Call 866-861-6317 for custom setup
Why apply with 2 lenders? Each one underwrites differently. Brickhouse focuses on business credit. Reliant considers practice cash flow. Acorn shops 30 or more retail lenders. KWIPPED runs a competitive bid. Applying with 2 gives you a rate to compare against and a fallback if one declines.

What Is the Monthly Payment on a $25K to $150K Recovery Room?

Quick answerA $50,000 recovery room works out to approximately $833 a month over 60 months before interest. A $25,000 single-category add-on is approximately $417 a month. A $120,000 flagship room is approximately $2,000 a month. Equipment financing typically carries roughly 5% to 25% equivalent APR, so real payments run higher than straight division. Call RecovAthlete at 866-861-6317 for an actual quote.
How to read this table. Figures below are simple division of the project total across the term, shown for comparison. They exclude interest, which will apply on most commercial paper. Equipment financing typically runs roughly 5% to 25% equivalent APR depending on lender, credit, and term. Your actual payment is set by the lender. Call for a real quote.
Total project cost 36 mo (est.) 48 mo (est.) 60 mo (est.) Typical buyer
$25,000 $694/mo $521/mo $417/mo Single-category add-on. One sauna plus one cold plunge, or a red light bed.
$50,000 $1,389/mo $1,042/mo $833/mo Starter recovery room. Sauna, cold plunge, red light panel, vibration platform.
$75,000 $2,083/mo $1,562/mo $1,250/mo Standard recovery room. Adds a hyperbaric chamber and upgrades the red light to a bed.
$120,000 $3,333/mo $2,500/mo $2,000/mo Flagship room. Commercial-grade across all five categories, multiple units per category.
$150,000 $4,167/mo $3,125/mo $2,500/mo Multi-room or second location.

Equipment Loan or Lease: Which Is Right for a Clinic or Studio?

Quick answerAn Equipment Finance Agreement (EFA) gives a clinic immediate ownership from day one, which is the cleanest position for a Section 179 claim. A $1 buyout lease lowers the monthly payment and transfers ownership at end of term. A fair market value lease is the lowest monthly cost and suits businesses that upgrade often. A working capital loan covers the room prep, electrical, and plumbing that equipment financing will not.
Option Ownership Monthly Cost Tax Treatment Best For
Equipment Loan (EFA) Immediate, day one Higher May qualify for Section 179 Businesses wanting ownership and the strongest tax position
$1 Buyout Lease End of term for $1 Medium Depreciation deductible over term Businesses managing cash flow in year one
Fair Market Value Lease Optional purchase at end Lower Lease payments as operating expense Businesses that want to upgrade equipment regularly
Working Capital Loan Not applicable, cash for buildout Higher rate Interest deductible as a business expense Buildout costs beyond the equipment: room prep, electrical, plumbing

Does Section 179 Apply to a Financed Recovery Room?

Quick answerYes, financed recovery equipment can qualify for Section 179. Financing the purchase does not by itself disqualify it. The equipment must be placed in service, not just ordered, within the tax year. Annual limits and eligibility rules are set by the IRS and change year to year, so confirm the current-year figures with your CPA.

Section 179 and financed equipment

Section 179 lets US businesses deduct the cost of qualifying equipment, including financed equipment, in the year it is placed in service. Financing the purchase does not by itself disqualify it. Annual limits, phaseout thresholds, and eligibility rules are set by the IRS and change year to year. Confirm the current-year figures and your eligibility with your CPA before making an equipment decision based on tax treatment.

Financed equipment can qualify Financing does not by itself disqualify equipment from a Section 179 deduction. The equipment must be placed in service, not just ordered, within the tax year.

Illustrative example 1, med spa starter room: a $50,000 buildout across sauna, cold plunge, red light, and vibration. Assuming the full amount qualifies and a 32% marginal tax rate, the deduction would reduce tax by approximately $16,000, putting effective cost near $34,000. Your figures will differ.

Illustrative example 2, TRT clinic flagship room: a $120,000 buildout including a hyperbaric chamber and a commercial red light bed. On the same assumptions, the deduction would reduce tax by approximately $38,400, putting effective cost near $81,600. Your figures will differ.

Combining Section 179 with commercial financing: finance the room through Brickhouse Capital or Reliant Capital, claim the deduction in the year the equipment is placed in service, and start payments after it ships. You keep the working capital. Confirm the treatment with your CPA first.

Consult your CPA before making equipment decisions based on tax strategy. Rules change and individual circumstances vary. This is general information, not tax advice.

Which Lender Fits Your Business Type?

Quick answerBrickhouse Capital suits established TRT clinics, med spas, and chiropractic practices that want ownership. Reliant Capital suits medical and wellness businesses and multi-location rollouts. Acorn Finance suits tanning studios and smaller tickets. KWIPPED suits athletic facilities and any deal above $75,000 where a lower APR is worth a 2 to 3 day wait.
TRT and men's health clinic
Brickhouse Capital or Reliant Capital

Adding cash-pay recovery services alongside the core protocol. Hyperbaric plus red light is the usual pairing. Brickhouse's one-page application up to $250K covers most single-room buildouts.

Med spa
Brickhouse Capital or KWIPPED

Recovery as a premium tier alongside aesthetics. Sauna, cold plunge, and a red light bed carry the highest per-session pricing. KWIPPED's lender bidding drives lower APR on larger deals.

Chiropractic or PT practice
Reliant Capital or Brickhouse Capital

Adding a revenue-generating service to an existing patient base. Reliant considers practice cash flow, which helps when personal credit is not the strongest signal.

Tanning or bronzage studio
Acorn Finance or Brickhouse Capital

Converting bed space to recovery. Red light and vibration are the natural first additions because the room, the electrical, and the membership model are already in place.

Boutique fitness or movement studio
Brickhouse Capital or Acorn Finance

Adding recovery to a class-based membership. Sauna and cold plunge sell as an upsell tier and lift retention.

Recovery studio, ground-up
Reliant Capital or KWIPPED

Full buildout with no existing revenue. Harder to underwrite. Reliant's deferred payment options of 3 to 24 months buy the ramp time. Come with a lease, a build plan, and pre-sales if you have them.

Athletic facility or sports team
KWIPPED or Reliant Capital

Multi-unit orders for parallel athlete throughput. KWIPPED's competitive bid typically returns the best APR at this size.

Multi-location operator
Reliant Capital

Rolling the same room out across sites. Reliant handles up to $5M with financials. Standardize the room spec once and finance the rollout as one facility.

How Do You Apply for Commercial Equipment Financing?

Quick answerCall RecovAthlete at 866-861-6317 for a bundled quote covering the whole room, then apply with 2 of the 4 lenders. You will typically need a business EIN, recent bank statements, proof of revenue, and the RecovAthlete quote. Approval runs from 60 seconds (Acorn Finance) to 2 to 3 days (KWIPPED).
  1. Call RecovAthlete first. For multi-unit or multi-category orders, call 866-861-6317 for bulk pricing before applying. The quoted price is what goes on the financing application.
  2. Choose 2 lenders. Applying with 2 lets you compare offers before signing.
  3. Pre-qualify online. All four lenders offer pre-qualification with a soft credit check.
  4. Prepare your documents. Typically needed: business EIN, recent bank statements, proof of revenue, and a formal quote from RecovAthlete.
  5. Submit and await approval. Brickhouse Capital: 24 hours. Reliant Capital: 2 to 4 hours. Acorn Finance: minutes. KWIPPED: 2 to 3 days for lender bidding.
  6. Receive the equipment. Once approved and the order is placed, delivery proceeds on the normal schedule.

When Should You Not Finance a Recovery Room?

Quick answerDo not finance a recovery room if you have not priced the room prep (electrical, plumbing, floor load), if you have no session pricing model, if you are under 12 months in business with no revenue, or if you need it installed this month. Commercial financing takes 1 to 5 business days and freight runs 2 to 6 weeks.

Financing works for most practices. Six situations where you should wait, cut scope, or pay cash.

  • You have not priced the room prep. Equipment is not the whole cost. Sauna needs a dedicated circuit and often 240V. Cold plunge needs drainage, a chiller circuit, and floor load capacity. Hyperbaric needs a 32 inch minimum doorway and floor clearance. Red light beds need 20A and ventilation. Get an electrician and a contractor to quote the room before you finance the equipment, or you will be paying for units you cannot install.
  • No pricing model for the service. A $50,000 room at roughly $833 a month needs about 20 to 25 sessions a month at $40 to $50 to cover the payment. That is a low bar, but only if you know what you are charging and who is buying. Set the session price and the membership tier before you sign.
  • Under 12 months in business with no revenue. Most equipment lenders underwrite time in operation and revenue. A ground-up recovery studio with no trading history will either be declined or priced at the top of the range. Open with one or two categories on a smaller ticket, trade for 12 months, then finance the full room on better terms.
  • Buying all five categories at once with no demand signal. Start with the two that fit your existing room and your existing members. Sauna and cold plunge is the cheapest pair to install and the easiest to sell. Add hyperbaric and red light once you have session data. The room does not have to arrive in one delivery.
  • You need it installed this month. Commercial financing takes 1 to 5 business days. Freight on hard-shell and cabin units runs 2 to 6 weeks. Room prep can add more. If the opening date is fixed, work backwards from it and order early.
  • You can fund it from cash without touching your reserves. If the room is small and the cash is idle, financing adds paperwork and interest. Businesses are often the exception, because financed equipment can still qualify for a Section 179 deduction, which changes the math. Confirm the current-year rules with your CPA before deciding on that basis.

Commercial Recovery Equipment Financing FAQ

Can I finance a full recovery room on one application?
Yes. That is the point of a single quote. RecovAthlete carries sauna, cold plunge, red light, vibration, hyperbaric, PEMF, massage chairs, and more, so one quote covers every unit in the room. Lenders underwrite the total project, so you submit one application, get one approval, and make one monthly payment. Call 866-861-6317 for a bundled commercial quote.
What does a recovery room cost?
Most buildouts land between $25,000 and $150,000 depending on how many categories you install and whether you go commercial-grade or prosumer. A starter room with sauna, cold plunge, red light, and vibration runs roughly $50,000. Adding a hyperbaric chamber and upgrading to a commercial red light bed moves it to roughly $75,000. Equipment prices only. Room prep, electrical, and plumbing are separate.
What is the monthly payment on a $50,000 recovery room?
Straight division across a 60-month term gives approximately $833 a month before interest. Equipment financing typically runs roughly 5% to 25% equivalent APR depending on lender, credit, and term, so the real payment will be higher. Call for an actual quote rather than working from the table.
How fast is approval?
Acorn Finance returns decisions in 60 seconds. Reliant Capital approves commercial applications in 2 to 4 hours. Brickhouse Capital approves within 24 hours on a one-page application up to $250K. KWIPPED takes 2 to 3 days for lender bidding but often returns the lowest APR because multiple lenders compete.
Do I need financial statements?
Not always. Brickhouse Capital funds up to $250,000 on a one-page application with no financial statements. Reliant Capital goes to $500,000 application-only. Above those thresholds, or for the lowest rates, expect to provide financials.
Does Section 179 apply to a financed recovery room?
Financed equipment can qualify. Section 179 lets US businesses deduct the cost of qualifying equipment in the year it is placed in service, and financing the purchase does not by itself disqualify it. Annual limits, phaseout thresholds, and eligibility rules are set by the IRS and change year to year. Consult your accountant to confirm eligibility and calculate the net cost before purchasing.
Can freight, install, and room prep go on the financing?
Freight and equipment install, yes. Put them on the RecovAthlete quote and the whole quote amount goes on the application. Room prep, electrical, and plumbing are usually handled through a working capital loan instead, which Reliant Capital offers alongside the equipment financing.
Can I finance a second location on the same terms?
Usually better terms, because you have trading history from the first room. Reliant Capital handles up to $5M with financials. Standardize the room spec once and finance the rollout as a single facility rather than reapplying per site.
What if one lender declines?
Apply with 2 from the start. Each underwrites differently, so a decline from one is not a decline from all. That is why we recommend two applications rather than one.
Can I finance used equipment?
Reliant Capital finances new or used. The other three focus on new. If you are buying used elsewhere, the savings usually beat the cost of financing new, so pay cash for used and finance the new units.

Get a bundled quote for the whole room, then take it to two lenders.

Book a free 30-minute consultation with RecovAthlete and we will help you work out the best path based on:

  • A single quote covering every category in the room, priced as one project, ready to submit to a lender
  • Room prep checklist electrical, plumbing, floor load, doorway clearance, and ventilation per unit
  • Session pricing and payback math what the room needs to bill monthly to cover the payment
  • Lender fit which 2 of the 4 to apply with based on your time in business, revenue, and ticket size
  • Section 179 discussion so you can take the numbers to your CPA
  • Lead time and placed-in-service timing if year-end tax treatment is part of your plan

Three ways to reach RecovAthlete:

Call 866-861-6317, Monday to Friday, 9am to 6pm EST. Live team, no phone tree.
Book a 30-minute consultation, pick your time and we send a Zoom link and a pre-call questionnaire.
info@recovathlete.com for written questions

RecovAthlete is an authorized dealer across hyperbaric, sauna, cold plunge, red light therapy, whole-body vibration, PEMF, massage chairs, and Pilates. We work with four business lenders and handle multi-supplier purchase order coordination, freight, and post-sale support directly.

Related resources

Prices verified July 2026. Financing terms subject to lender approval and creditworthiness. Actual APR, monthly payment, and term length depend on credit score, income, and lender-specific criteria. Payment figures shown assume 0% APR and are for comparison only. Section 179 information is general and is not tax advice. Limits and eligibility rules are set by the IRS and change year to year. Consult a CPA for your specific situation. RecovAthlete has no control over any financing decision. Approval is solely the lender's decision.