Beyond surgery: building a life on her terms

Before Affiniti

Fifteen years in the OR, then a business run from a personal checking account

For more than 15 years, Jessica Harvey built her career as a physician assistant in surgical practice, enduring long, stressful hours under the demands of surgeons and the healthcare system. Though successful, she lacked autonomy and control over her life.

Hungry for balance, she stepped away from surgery to open her own med spa. To launch Minerva Aesthetics, she tapped into her personal checking and savings accounts and even liquidated some of her investments.

The financing fueled her dream, but it came at a cost: the line between personal and business finances disappeared. Dozens of mixed transactions turned accounting into a nightmare, pulling her focus away from what mattered most: her clients.

The switch

The first clean line between her money and the practice’s

After joining the American Med Spa Association, Jessica came across the business card the association had just launched with Affiniti. She had never held a business card.

“The more I read about it, the more I thought, this card is a gem for an aesthetic business owner,” she said.

She applied. Approval came with an $11,000 line and, for the first time since she opened, a set of books that belonged only to Minerva.

Running the practice on Affiniti

Receipts that show what was bought, not just where

Jessica describes the change as night and day. She buys product or supplies, snaps the receipt, and texts it in. Affiniti’s AI reads it, matches it to the transaction, and files it with the line items, so she sees not just the merchant but what was bought. Every receipt she has submitted has matched.

Buying power without touching her savings again

An $11,000 credit line let her make the big upfront purchases needed to grow her clinic: equipment and product orders that come before the revenue does. More than $30,000 has run through Affiniti since, and none of it came out of a personal account.

“Honestly, this isn’t just another credit card. It’s a real business asset,” said Jessica. “It boosts buying power, increases margins, and cuts costs, all at the same time.”

The results

A practice with its own books from day one

Jessica funded Minerva out of her own accounts and spent her first months untangling the result. Now the practice has its own line, its own card, and its own record of every purchase.

What that looks like in practice:

• Personal and business money separated for good. Every clinic purchase runs through Affiniti, none through her checking or savings.
• Every receipt matched automatically, with item-level detail, filed as it happens.
• Upfront purchases without liquidating investments. An $11,000 line covers equipment and product ahead of revenue.
• More than $30,000 in clinic purchases through the platform since she joined.

Today, when Jessica orders product for the week, it goes on the practice’s card, the receipt files itself with the items on it, and her personal accounts never enter the picture. The accounting that used to pull her away from clients is a text she sends from the treatment room.

Jessica’s advice to other med spa owners

Jessica’s advice is the lesson of her first year in business.

“I didn’t realize how much I needed to invest in my weaknesses to put this business on the right path,” she said. “I’m a medical professional through and through, but that doesn’t necessarily translate into running a business, and I learned that the hard way. Surround yourself with people and partners who are willing to invest in you as an entrepreneur and help you succeed.”

Credit limits subject to approval and underwriting.