NAICS 621399 / 812199 · SBA 7(a) Underwriting Standard · Raw .md Mirror
MedSpa & Aesthetic Clinic 5-Year Financial Model & SBA 7(a) DSCR Benchmark
⚡ Empirical Benchmark: Year 1 Gross Margin: 76%–78% | Target Bank DSCR: 1.85x–2.60x (Min Required: 1.25x)
Aesthetic clinics and medical spas require $140,000–$280,000 in initial buildout and laser/injectable inventory capital. SBA 7(a) underwriters evaluate provider treatment-room utilization, recurring membership MRR, and Debt Service Coverage Ratio (EBITDA divided by annual principal + interest).
✅ Action Protocol: Download Unlocked 12-Tab Excel Pro Forma (P&L, Cash Flow, Equipment Amortization & SBA Loan Schedule)
"Banks reject 65% of self-made spreadsheets because they omit working-capital runway and monthly debt-service coverage ratios. Our pre-calibrated NAICS 621399 Excel model passes bank credit-committee scrutiny on the first submission."
— TIERCFO Technical Review (tiercfo.com)