TMC Financing Helps Cryotherapy Wellness Clinic Purchase Building with SBA 504 Loan

Cool Indulge Stabilizes Occupancy Costs with Building Acquisition

Norma Amezcua, owner of a cryotherapy wellness clinic named Cool Indulge, purchased the property located at 1023 E Chapman Avenue in Fullerton, CA.  TMC Financing worked with Norma to secure financing by utilizing the SBA 504 Program, which allowed Norma to make the purchase with a low down payment and a below market, fixed interest rate, fully amortized over 20 years.  This real-estate purchase not only gave Cool Indulge the security of long-term stability, but also allowed Norma the freedom to make improvements and design her space exactly as she saw fit. 

Cool Indulge offers an alternative all-natural approach to health & fitness.  It implements various recovery techniques such as  CryotherapyCelluma Light TherapyCompression Pants and Epigenetic Mapping.  For Norma, the vision of owning and operating her own clinic stemmed from her own personal wellness journey.  Conventional treatments continuously failed to meet her needs.  As a result, Norma studied alternative means of recovery, and incorporated them into her business practice.   

“I was unsatisfied with standard methods of treatment.  They didn’t work for me,” explained Norma. “Determined to find alternative methods, I discovered several all-natural treatments to recover, revive, and rejuvenate. I knew I had to share what I had learned so that other could benefit from my research.”   

Cool Indulge is clearly dedicated to helping clients feel healthier and happier after each treatment by promoting body positivity, recovery and rejuvenation. One patron writes, “We all have to reset and recharge.  I’m a burn survivor with 3rd degree burns covering 65% of my body. The benefits from these treatments are unbelievable!”  

Knowing how delicate a wellness journey can be, Norma wanted to make sure that Cool Indulge offered comfort and security to all patrons. “Our treatments are new to many of our customers, so we make certain they are comfortable every step of the way,” explains Norma. “We want everyone to feel empowered and to take back control of their overall health and wellbeing.”   

With so much emphasis on making her clients feel secure, Norma knew that she didn’t want to run her business in leased space. She realized that purchasing a building was the optimal way to create that foundation of stability for Cool Indulge and trust for her clients.

Utilizing the SBA 504 Program to Purchase a Building

Despite Cool Indulge’s loyal following and thriving business, Norma knew that she could not sustain success without the long-term stability and flexibility of owning her building.   

“I wanted to control a client’s first impression of my business by creating the most welcoming atmosphere.  I wanted to furnish my clinic in way that is inviting and nurturing, and I didn’t want to have to get approval from a landlord to do so,” stated Norma

TMC’s Senior Vice President of Business Development, Jennifer Davis, explained to Norma that the 504 program is the best way for to stabilize occupancy costs and put the business owner in control.   “The SBA 504 Loan is one of the soundest financing options available for strategic small business expansion, which is why it was an excellent option for Cool Indulge at this crucial stage in their growth cycle,” according to Jennifer. 

“Another perk of the 504 program is that is allows a small business owner to purchase more space than what they actually need at the time,” explains Jennifer. “This worked out well for Cool Indulge as they only needed about of the purchased space. They now have the opportunity to expand down the road or rent out the unused space to a tenant to increase their monthly cash flow.” 

“I am so glad that I chose TMC to help guide me through the 504 loan process.  They were organized and available when I needed them. Not only did they help me finance my building purchase but they helped me finance my dream,” said Norma. 



More About SBA 504 Real Estate Financing 

The Small Business Administration 504 loan program allows small-business owners to finance commercial real estate and other fixed assets with long-term, below-market, fixed interest rates. SBA 504 loans can be used to finance the total project cost, which can include the purchase price, construction/renovations, equipment, soft costs and closing costs. By enabling owners to keep their capital working to grow the business and create jobs, the 504 program provides businesses and communities long-term stability. Business owners can confirm they meet the qualifications for an SBA 504 loan by visiting the TMC Financing website. 

About TMC Financing  

TMC Financing is a high-volume, Premier Lender with the SBA, and one of the country’s top 504 lenders. During the past 35 years, TMC has provided over $9 billion in financing for more than 5,000 businesses throughout California and Nevada. Our experts will be happy to answer your questions about the 504 loan and to guide you through the loan process.   

Please contact TMC today to get started.