Refine Laser and Skin

Refine Laser and Skin

Refine Laser and Skin was created in 2022 by a Registered Nurse that had the dream to bring client-focused care back to aesthetics. No sales associates, no contracts, no hidden fees. They specialize in laser hair removal and combine knowledge, experience and state of the art equipment to guarantee best possible results.


The client required financing for a mandatory piece of equipment for their particular business. Vendor financing was offered at a high-interest rate, and the client was worried about potential cash flow issues. After conducting a holistic review of their immediate and long-term needs, a detailed business plan was created, which led to identify the Canadian Small Business Financing equipment loan as the most beneficial solution. Additionally, we identified the need for an operating line of credit to effectively manage start-up expenses and maintain positive cash flow.


The client was referred to Ashdown’s Andy Herndier through a close friend of the Ashdown team, recognizing the benefits of utilizing a well-connected broker for their financing needs. The client’s business relied heavily on equipment financing crucial to its operations.

Given that this was a start-up business, the financing process demanded more extensive documentation compared to a traditional application, including a detailed business plan and financial projections. Andy provided invaluable assistance and advice in creating these essential documents while exploring various financing solutions available to the client. A comprehensive deal package was crafted, with a focus on leveraging the robust Canadian Small Business Financing program, ideally suited to fulfill the start-up’s financial requirements. To access this program, chartered banks with specialization were engaged.

Ultimately, the efforts paid off, as the required financing was secured, accompanied by additional ancillary products aimed at providing the client with day-to-day operational support.

Services Used

  • CSFBA Term Loan
  • Operating Line of Credit
  • Corporate Mastercard