Veterinary Practice Loans
A $12,000 surgery. Pet insurance pays in 45 days. Payroll is Friday.
Get $5,000–$10,000,000 to purchase medical equipment, cover payroll, expand your practice, and never turn away a patient for the wrong reasons, funded in as little as 24 hours.
Simple, fast, and clear
How Veterinary Practice Financing Works
Unlike service businesses where clients pay at the point of service, veterinary practices extend payment plans to clients who can’t cover a large bill upfront, process pet insurance claims that take weeks to reimburse, and absorb emergency cases where the financial conversation is secondary to the clinical one. Add high fixed equipment costs, a staff-heavy payroll and pharmaceuticals that must be on hand before any case walks in, and strong revenue and tight cash flow can exist in the same month. In practice: it’s a Tuesday in April, your hospital had a strong March with high caseload and good surgical volume, but a portion of those cases are still pending pet insurance reimbursement. You have three technicians, two DVMs and a front desk team on payroll. A supplier invoice for pharmaceuticals and anesthesia is due this week, and your digital radiography unit needs a service call estimated at $4,500. The revenue from March is real. It just isn’t all in your account yet. SBG Funding provides $5,000 to $10,000,000, with same-day decisions.
SBG Funding structures financing around how veterinary practices actually operate. A business line of credit revolves: draw to cover payroll and supply costs when reimbursements lag, repay when payments clear, and draw again next cycle. A business term loan is a lump sum for larger investments, such as a new surgical suite, a facility expansion, or an equipment purchase you’ve been deferring. Equipment financing acquires imaging systems, surgical tables, lab analyzers and dental units without depleting the working capital you need day to day.
A bank underwrites against two years of filed financials and a 680 credit score, which is why a practice coming off a strong March can still be declined in April. Banks are not built to underwrite against revenue that arrives unevenly, or months after the work is done, which means the businesses under the most cash flow pressure are the ones a bank is slowest to serve. SBG Funding’s unsecured products require no collateral and we never perform a hard credit pull.
See How We Stack Up
Traditional Bank
Typical Online Lender
Won't affect your credit score.
Veterinary Practice Financing for Every Situation
The right financing depends on what your practice needs right now.
Covering Costs Between Reimbursements
Pet insurance reimbursements, payment plans, and client billing cycles don’t align with your payroll schedule. A business line of credit gives your practice revolving access to working capital. Draw what you need to cover staff costs and supply orders when cash flow is tight, repay it when reimbursements and collections clear, and draw again next cycle. Where pet insurance and third-party claims are the bottleneck, invoice financing advances up to 90% of those claims. No reapplying. No fixed payment when you’re not drawing.
Purchasing or Upgrading Veterinary Equipment
Digital radiography, ultrasound, surgical monitoring systems, dental units, and in-house lab analyzers are among the largest capital expenses a veterinary practice faces, and staying current with equipment directly affects the quality of care you can offer. Equipment financing offers terms up to 60 months, letting you acquire the technology your patients need without a cash flow disruption, with repayment terms structured around your revenue cycle.
Acquiring a Practice or Expanding to a Second Location
Buying out a retiring veterinarian’s practice, acquiring a competitor, or opening a second location are high-leverage growth moves that require significant upfront capital. A business term loan, or SBA 7(a) financing up to $5M, provides the lump-sum funding to execute your expansion without disrupting your current patient operations or clinical staff.
What Veterinary Practices Use Business Loans For
Veterinary financing is flexible. Here are the most common ways practices put it to work.
All you need to Qualify
- No collateral
- No hard credit pull
- No upfront fees
SBG Funding evaluates more than 50 factors when making lending decisions, including revenue history, deposit consistency, and time in business. Veterinary practices with strong cash flow may qualify even with an imperfect credit score.
Applying will not impact your credit score.
$150K+
annual revenue
500+
min. FICO score
6+
months in business
4
bank statements
Applying will not impact your credit score.
“From the first call through the whole process he was competent, punctual, and had a great knowledge of the products. He made the whole process, which is pretty simple in the first place, seamless, providing peace of mind with his professionalism and genuineness.”
$3B+
Funded since 2017
via Trustpilot
Trevor was great to work with! He guided me through the whole process! I would definitely work with him again!
4.9
Trustpilot rating
5×
Inc. 5000 honoree
via Better Business Bureau
Outstanding experience -worked on my behalf in a quick and efficient manner, explained the entire process. I felt I was dealing with a trusted company and person.
85%
Approval rate
via Trustpilot
Working with SBG Funding was a seamless experience! Tim made the process incredibly easy and fast, with great communication every step of the way. He was quick to respond and always kept me in the loop. A truly smooth and pleasant partnership! Highly recommend.
A
BBB rating
via Better Business Bureau
I really appreciated his efficiency and clear communication. Highly recommend working with him!
4.9
Google rating
via Better Business Bureau
From the start, he made the process easy to understand and was always available to answer my questions. The funding came through quickly, and Brian’s guidance along the way made a big difference. He genuinely cared about helping my business, not just closing a deal.
Just 3 Steps to Get Funded
Apply Online
Complete our quick online application in about 5 minutes. Basic information about your business and financing needs, no lengthy paperwork to get started.
Get Approved
Our team reviews your application and presents financing options matched to your business profile. We look at revenue, deposit history, and time in business, not just your credit score.
Receive your funds
Once approved and documents are signed, funds can be in your business bank account in as little as 24 hours.
Frequently Asked Questions
SBG Funding requires a minimum FICO score of 500. Credit score is one factor among many. Strong revenue, consistent bank deposits, and solid time in business can all support your application. Many veterinary practices with scores between 500 and 620 have qualified based on strong caseload revenue and deposit history.
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After approval and document submission, funds can be available in as little as 24 hours. The online application takes about 5 minutes, and most applicants receive a decision the same business day.
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No. SBG Funding’s veterinary practice loans are unsecured. You are not required to pledge equipment, real estate, or other assets. Equipment financing is an exception: the equipment itself serves as collateral, which is standard across the industry.
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SBG Funding works with a wide range of veterinary businesses, including small animal general practices, emergency and specialty hospitals, mobile veterinary services, equine and large animal practices, feline-only clinics, and exotic animal hospitals. As long as your practice meets the basic requirements of 6+ months in operation, $150K+ annual revenue and 500+ FICO, your specialty does not affect eligibility.
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Yes. SBG Funding evaluates your overall annual revenue history and deposit patterns, not just your current month’s cash position. Veterinary practices with seasonal caseload swings, common in agricultural areas, resort communities or practices with a heavy emergency volume, are a familiar profile. We look at annual revenue consistency and total deposit volume rather than any single month.
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Yes. Both business term loans and dedicated equipment financing can be used to purchase veterinary equipment, including digital radiography systems, ultrasound machines, surgical monitoring equipment, dental units, anesthesia machines, and in-house lab analyzers. Equipment financing often provides longer repayment terms for larger purchases and uses the equipment itself as collateral.
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Yes. SBG Funding offers SBA 7(a) financing, which is well-suited for veterinary practice acquisitions, partner buyouts, and major facility expansions. SBA financing provide larger amounts and longer repayment terms than conventional business loans. Qualification requirements are more stringent, contact our team to discuss whether SBA is the right fit for your situation and timeline.
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Yes. Practice acquisition and partner buyouts are among the most common uses of veterinary practice financing. Whether you’re purchasing an established practice, buying out a co-owner, or acquiring a retiring veterinarian’s patient base and equipment, SBG Funding can structure financing to fit. SBA 7(a) financing or a business term loan is typically the best fit for acquisitions of this scale.
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Your practice must have been in operation for at least 6 months to qualify for most SBG Funding programs. If you opened recently, we recommend applying once you’ve reached the 6-month mark with consistent monthly revenue. Practices with strong early caseload and deposit history may qualify at or shortly after the threshold, contact us to discuss your situation.
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Ready to Grow Your Veterinary Practice?
Whether you need to invest in new diagnostic equipment, add an exam room, or fund a practice acquisition, SBG Funding has veterinary financing options built for how animal hospitals actually operate. Apply online in minutes. No collateral, no hard credit pull, no obligation.