Get more clients with cosmetic surgery financing

Offer your clients cost-effective plastic surgery financing to pay for procedures

How It Works

What We Can Do for You

Time Investment can provide simple and budget-friendly financing options to your clients for different plastic surgery procedures.

Cosmetic surgical procedures aren’t exactly cheap. Because of that, a lot of clinics struggle with getting new clients or cutting down on their price tags.

To solve that problem, we’ll offer your patients the option to pay with affordable monthly payment options, allowing them to get the procedures they want without breaking their bank accounts.

As most health insurance plans do not cover plastic surgery funding, our financing plans offer payment arrangements for patients who can’t afford them upfront. We do this by offering generous loan amounts.

Why Choose Time Investment

Time Investment is here to help your clients pay for elective cosmetic treatments and surgeries, which are rarely covered by insurance companies.

One of the many things that make us stand out is our fast online application processing that can get you started in just three simple steps.

Most importantly, once you become a member of the Time Investment family, we’ll do everything we can to offer you the best customer support you’ll ever get. And we’ve been doing this since 1981.

Don’t believe us? 95% of our referrals come through word-of-mouth marketing alone, which goes to show just how much we value establishing fruitful relationships built on trust and respect.

Here are some additional things that make us stand out from other financing companies:


1.  Competitive interest rates for your clients.

2.  Affordable monthly payments.

3.  No prepayment penalty.

4.  Flexible loan term options to choose from.

5.  One-on-one training for your staff members to show them the ropes.

6.  Easy application processing.

7.  Immediate loan approval decisions (and high approval rates).


All in all, Time Investment has made it easy to afford plastic surgery procedures with no prepayment penalties, upfront cost, and no annual fees.

Our partners love the work that we do

Read what our clients have to say about their experiences working with Time Investment.

Learn More

We have been working with TIC since 2008. The reason we use them is the personal service we receive. TIC owners John, Mike, and Tom are involved in the daily business. They make it real easy for the dealer and customer.

Steve, Culligan Water


My favorite part about TIC has been the continued support I receive from the folks that man the dealer services phones, and specifically from my dealer rep. My colleagues at TIC have a seemingly unlimited supply of patience for me. I value that team-oriented spirit and feeling that I get from TIC. I never feel like I’m alone, when using their service.

David, Allied Remodeling

Frequently Asked Questions

What cosmetic surgery financing services do you offer?

We provide plastic surgery financing through installment loan offers—ideal for healthcare providers dealing with breast implants, liposuction, breast reduction, facelift, tummy tuck, botox, reconstructive surgery, mommy makeovers, breast augmentation, eyelid surgery, nose jobs or any other cosmetic procedures.

What are the down payment requirements for plastic surgery financing through TIC?

Down payment requirements are set based on the credit history of your patient. If your client has an average or above-average score, they may not have to put down any money. What's more, our credit approval process is simple and has a very low origination fee.

Can a customer with a bad credit score get surgery loans from Time Investment?

Time Investment has helped many people with bad credit to get cosmetic and plastic surgeries We cater to prime, non-prime, and even no-credit applicants, making us one of the most sought-after options for cosmetic surgery financing.

Do you offer personal loans to the end-customers?

We are a third-party financing firm that offers flexible payment plans for consumer financing. We work with third-party clients/providers to offer financing at reasonable interest rates to the prospects of our clients and allow them to buy high-ticket consumer products/services through low monthly payments.

What makes Time Investment special?

Time Investment uses the Common Sense Lending approach to offer financing. What this means is that we don’t use formulae to approve/reject credit approvals—instead we look at each case individually and try our best to work something out.

What else makes Time Investment the best option for Cosmetic Surgery Financing?

Another thing that makes us the best option out there is our raving fan customer service. Our staff will always go above the call of duty to provide you with the best support in the world of finance—something that gets us 95% of referrals through word-of-mouth.

How to Offer Cosmetic Surgery Financing to Customers

How to Offer Cosmetic Surgery Financing to Customers
Updated on August 26th, 2020

Today, the demand for cosmetic surgery financing is undeniable.

At a time where cosmetic procedures continue to deplete the pockets of millions across the globe, it is only logical that service providers feel compelled to offer their customers affordable ways to access the operation of their choice.

After all, the stats vividly describe the situation of the cosmetic industry. 

According to the 2019 Plastic Surgery Statistic Report issued by the American Society of Plastic Surgeons, in that year alone, Americans did over 18 million cosmetic procedures.

Credits: American Society of Plastic Surgeons

The same report goes on to share that those medical procedures accumulated a total of $16.7B in expenses which patients were required to fund.

Credits: American Society of Plastic Surgeons

While the total expenditure in the industry is exorbitant, further statistics shared by the association in their 2019 Average Cosmetic Costs Report indicate that the average fee for cosmetic surgical procedures ascends north of $7,000.

Credits: American Society of Plastic Surgeons

Needless to say, the elevated costs of these cosmetic surgeries coupled with their increasing demand urge respective cosmetic firms to provide their clients with ways in which they can finance their procedures. 

This blog post examines the plastic surgery financing options which are most suitable for cosmetic firms to provide to their customers. We will also break down the best way to go about offering these cosmetic surgery financing so you can reap maximum rewards on your business service orders. 

An Overview of Cosmetic Surgery Financing

Cosmetic surgery financing (also known as plastic surgery financing) is a type of loan granted to patients seeking a cosmetic procedure that enables them to cover the costs of their operation over a set period of time.

The firm offering the procedure is the one that determines the types of operations for which patients can access financing. However, in most cases, the service provider opts for finance plans which coincide with either all of the operations they deliver or at least the most common ones for which patients seek treatment.

These operations can be divided into two main categories: cosmetic surgical procedures and cosmetic minimally-invasive procedures. 

When it comes to cosmetic surgical procedures, as mentioned previously, it is up to the service provider to determine the specific operations for which financing will be granted to patients. 

However, finance options tend to cover facelifts/rhytidectomy, liposuction, breast augmentation, tummy tucks/abdominoplasty, buttock lifts, and implants along with nose reshaping/rhinoplasty and pectoral implants, among others.

Similarly, as it relates to cosmetic minimally-invasive procedures, the same applies. While the lender is free to choose the operations for which finance is provided, there are standard procedures that tend to meet the cut. These include botulinum toxin type A (botox/Dysport), chemical peels, sclerotherapy, laser hair removal, microdermabrasion, and soft tissue fillers, along with several others. 

In all of the above cases, the service provider dictates the repayment terms, conditions, annual fees, prepayment penalties, and rates to which the borrower is subject. 

Most times, due to the nature of cosmetic surgery financing, the repayment period requires the borrower to pay back the loan in monthly installments. 

What Cosmetic Surgery Financing Does for Service Providers

Firms that offer lines of credit to patients seeking cosmetic surgery are promised loads of benefits in return. 

Here is a breakdown of the major ones, including those which some service providers may not have necessarily considered as being beneficial to their firm’s operations:

Types of Cosmetic Surgery Financing

Prior to getting into the best way in which service providers can offer cosmetic surgery financing to their clients, we must shed light on some of the most common solutions that are present in the market today.

Doing so provides you with a foundation that orients you regarding how existing finance plans still constitute an inconvenience to your target audience. That way, you can adjust your solutions to suit.

Medical Insurance

One of the most common ways for cosmetic patients to finance their procedures is to use their healthcare insurance to offset the cost.

Essentially, some tend to do so via their health insurance which covers either a part of the whole of the risk associated with the operation. 

In order to access this type of service, after selecting an insurance company or plan, the patient usually adopts a standard finance structure to which they must adhere when issuing payments.

These structures take the form of either a recurring debit tax which is deducted from one’s payroll or monthly payment premiums which the patient is obligated to stick to.

While medical insurance is a common option for persons looking to finance cosmetic procedures, it is far from an ideal solution for patients.

This is mainly due to:

  1. Restrictions regarding coverage: Patients already struggle to source insurance plans that offer coverage for cosmetic surgery. Once they do find one, in most cases, the selected plan does not offer coverage for all possible plastic surgery procedures. Needless to say, this represents a major inconvenience for patients seeking procedures for which there is no coverage or where the provisions offered by the insurance company are very limited.
  2. Non-negotiable terms and conditions: Insurance plans tend to be rigid, not allowing the beneficiary to modify, negotiate, or alter its corresponding terms and conditions once they have been presented. Therefore, patients find themselves subject to unfavorable restrictions that do not coincide with the type of flexibility they would like with their finances.

Unsecured Personal Loans

Another common option that patients have at their disposal is to take an unsecured personal loan. This is usually done through an individual financial entity that acts as a lender, in some cases, on behalf of the cosmetic surgery provider.

By their very nature, unsecured personal loans do not force the patient to agree to compromise assets or collateral against the value of the loan in the event that there is a breach in its repayment.

While this may initially seem like an attractive option for future cosmetic clients, not all that glitters is gold.

The lack of security surrounding the loan implies a higher interest rate. This is because, from the point of view of the lender, the loan is riskier since none of your personal assets bind you to its repayment. 

What’s more, in most cases patients are required to have a high credit score or squeaky-clean credit report history from a credit card or another credit source. Otherwise, lenders will be less likely to grant them funding for their cosmetic operation, especially if they have a bad credit history.

If things aren’t as bad as they are already, unsecured personal loans do not grant the borrower any type of tax benefit. Consequently, for many patients, the risks outweigh the benefit of securing financing since the conditions upon which the loan is granted are not favorable.

Miscellaneous Loans

On occasion, a patient may resort to one or more loan types which may be considered unconventional for the cosmetic surgery niche.

These types of loans are usually bank loans which may be granted by a financial institution as part of a medical loan.

While it is true that through the bank a patient may secure the financing they need, bank loans have their drawbacks. 

To begin with, most loans are taken against a patient’s personal assets such as their home or property. Therefore, from the standpoint of a patient, these types of loans are significantly riskier since an issue in repayment can spell the foreclosure or permanent confiscation of their asset. 

Then, patients have to deal with the inflexibility of the repayment terms and conditions of these types of loans for which banks are notorious for.

Needless to say, while some patients may find these types of loans useful, in most cases, it implies making a series of compromises which are not to everyone’s tastes.

The Beauty of Customized Surgery Financing

In short, the dangers that traditional finance plans for cosmetic surgery pose to patients center around terms and conditions. To be more concrete, they typically involve unfavorable repayment periods, compromises with assets, lack of tax benefits, and even limitations with the loan amount that may be granted.

All in all, due to the elevated cost of cosmetic surgery operations coupled with the relative inflexibility regarding their terms and conditions, these types of finance options are not attractive to clients.

By natural consequence, the types of plans which match the specific financial situation of specific individuals within your given target market are flexible cosmetic surgery finance plans. These plans are customized to suit the specific needs and profile of the borrower, thus maximizing the chances that the finance solution matches the unique condition.

In doing so, from the standpoint of a service provider, you significantly diminish the possibility that a patient may be financially inconvenienced when accessing your services. That way, they can comfortably utilize you for their cosmetic surgery operation and you boost your service order.

Needless to say, defining the finance plan that’s most adequate for your customers can be challenging, let alone sourcing the capital to fund them. Instead, here’s how you can partner with a flexible third-party lender to secure your patients the solutions they need.

TIC for Cosmetic Surgery Financing

Time Investment Company (TIC) is a financing company with more than forty years worth of trajectory in providing customized, made-for-you finance solutions to businesses and their customers in the United States. 

These finance solutions include loan programs granted to businesses for their growth along with flexible finance plans that we customize and develop for a business’ customers so that they can comfortably access your services. To be concrete, we work directly with businesses to identify terms and conditions of service repayments that are functional, practical, and financially viable for your customers.

For decades, we have assisted over 250K clients in successfully funding over $775M in finance solutions.

We have collaborated with service providers in the cosmetic surgery financing industry to provide these types of solutions for myriads of their operations. 

As a business run by a close-knit family, we understand the challenges faced by healthcare providers in this niche and work diligently to ensure that we can produce finance solutions for your customers that are equally as beneficial for them as they are for you. Our values are rooted in ensuring that both businesses and customers alike can have smooth, stress-free financial transactions when delivering and acquiring a service.

Our partnering companies also enjoy the support of an innovative dashboard that monitors all your customer payment information in real-time. That way, you can easily keep track of all payment transactions that are facilitated through our flexible finance plans.

Leverage the customer service, attention to detail, and tech support of a company that has a history of success in aiding businesses across multiple niches.

Takeaways for Cosmetic Surgery Financing

To recap, cosmetic surgery financing is a must-have for service providers. They are integral in boosting service orders and growing revenue. What’s more, they are also important in helping you stand out among your competitors.

The best way to go about offering cosmetic surgery lines of credit is with flexible payment options or payment plans which match the needs of your customers and encourage them to utilize your services. 

We at Time investment Company can help you offer these types of financial solutions. 

Reach us via (800) 236-1177 to learn more on how you can access them for your customers today.