The Pinch Points
Why Veterinary Hospitals Come to Us for Capital
The equipment is what makes you a hospital instead of a clinic — but it’s a six-figure build a bank wants collateral and audited books to discuss, while a corporate consolidator is ready to buy the practice tomorrow. Our lenders read the hospital’s collections. Sound familiar?
The Case You Refer to the Specialty Hospital
Without in-house imaging and surgery, the orthopedic repair and the complex workup go to the referral hospital — $1,500–$5,000 cases walked out the door. A surgery suite and digital radiography is a $130K+ build that keeps them.
The Equipment That Makes You a Hospital, Not a Clinic
Digital radiography ($55K), ultrasound, a surgery suite ($75K+), a dental unit ($35K) — the stack that lets you charge hospital fees instead of clinic fees, all due before it earns.
The Cash Flow of a Busy Hospital
A vet hospital runs payroll for techs, DVMs, and front desk against client payments and CareCredit that don’t all land same-day — a $40K–$80K swing between a heavy surgical week and the deposits clearing.
The After-Hours / ER Build
Adding extended or emergency hours captures the cases now driving to the 24-hour hospital an hour away — but it’s $8K–$20K a month in staffing and $20K–$40K in monitoring equipment funded before the first overnight case.
The Equipment Refresh
Anesthesia machines, monitoring, the in-house analyzer age out — a $60K–$120K refresh the hospital carries before it lifts a collection.
Buying In or Buying the Practice
Corporate buyers are rolling up veterinary practices, and the retiring owner’s exit is on the table — a $300K–$1.2M buy-in or acquisition that won’t wait on a years-long approval queue.
What an operator said
“A corporate group was circling the practice I’d worked at for a decade, and I wanted to buy it myself. The revenue-based financing funded the buy-in on the practice’s numbers, not a two-year SBA wait — I own it instead of working for a buyer.”
Dr. Whitfield · veterinary hospital · Fort Collins, CO
Start Here
See Your Range in 60 Seconds
No credit check, no documents to start, and an estimated funding range on the spot. No one contacts you until you’re ready to move forward.
What Happens When You Start
Estimate Your Capital Range
Slide to your annual gross revenue. We size capital off your top line — not your credit score.
Estimated Capital Range
A conservative range based on 10-15% of annual revenue — many businesses qualify for more with strong receivables or assets behind them. Lenders return real term sheets once they see your file.
60 seconds · No obligation · Estimate only
Built for the Trade
What We Fund for Veterinary Hospitals
Equipment Financing for the Hospital Build
Equipment financing funds imaging, surgery, and dental equipment with §179 write-off ahead of the down payment.
A Working Line for Hospital Cash Flow
A working line smooths the gap between a heavy surgical week and the deposits clearing, so payroll never strains the account.
Capital for the ER / Hours Expansion
Working capital funds the staffing and monitoring to capture the after-hours cases driving to the 24-hour hospital.
Revenue-Based Acquisition Capital
Buy in, buy the practice, or beat a corporate buyer to it on revenue-based, capital-stacked financing — on cash flow, not an SBA queue.
Match Your Situation
The Funding Gaps We Close for Veterinary Hospitals
Match your situation to the structure. Every one of these funds on your practice’s revenue and collections, not a perfect credit file.
| What It Looks Like | Funding Solution | Amount | Speed | |
|---|---|---|---|---|
| Banks want collateral and audited books | Revenue and collections underwriting; the practice’s cash flow counts. | Equipment Financing | $75K–$5M+ | 3–7 days |
| Hospital payroll outruns deposits in busy weeks | A working line smooths the swing between surgery and the deposits clearing. | Business LOC | $75K–$5M+ | 1–5 days |
| Corporate buyers move fast on acquisitions | Revenue-based capital deploys on the acquisition’s timeline, not a years-long queue. | Working Capital | $75K–$5M+ | 1–3 days |
The Products
How Veterinary Hospital Financing Is Structured
Most veterinary hospital files fund between $75K and $5M+, structured to the imaging, surgery suite, or acquisition in front of you. Larger lines available when revenue, cash flow, and story qualify.
| Amount | Term | Best For | Funding Speed | Typical Structure | |
|---|---|---|---|---|---|
| Equipment Financing | $75K–$5M+ | 2yr–7yr | Imaging, surgery suite, dental, lab | 3–7 days | Device serves as collateral |
| Working Capital | $75K–$5M+ | 6mo–10yr | Payroll across the deposit gap, ER build | 1–3 days | Often unsecured, daily/weekly ACH |
| Business LOC | $75K–$5M+ | Revolving | Busy-week swing, CareCredit timing | 1–5 days | Unsecured line, no PG by default |
| Invoice Factoring | $75K–$5M+ | Per invoice | Aging client and CareCredit receivables | 1–2 days | Receivables secure the line |
Tax Strategy
Section 179 on a Veterinary Hospital Build — Worked
If last year was strong and you’re about to write a check to the IRS — stop. Acquire qualifying equipment with as little as 10% down, finance the rest, and write off the full purchase price in year one. Section 179 covers it up to the annual cap; 100% bonus depreciation — made permanent in 2025, with no cap and no income limit — carries the rest.
At the top bracket, that first-year deduction can return meaningful tax savings — and for an established business with strong cash flow, it’s the difference between writing a check to the IRS and putting the same money into your own equipment. Your CPA models the exact numbers for your bracket and structure.
Worked scenario · top bracket · illustrative
You financed the machine and put down a fraction of its price — but you deduct the full price in year one. The write-off is bigger than your down payment, and the equipment keeps working the whole time.
Scales with your numbers
Illustrative only. Actual savings depend on your tax bracket, entity type, state conformity, and CPA guidance. Section 179 and bonus depreciation are elections your CPA makes for your situation; above the Section 179 cap, 100% bonus depreciation carries the balance.
Terms reflect credit, revenue, time in business, and each lender. Every file is unique — see what the desk structures for yours in the 60-second qualifier.
Bobby’s Take
“A real veterinary hospital is a miniature medical center — imaging, surgery, dental, a lab — and the practice that has it keeps the $3,000 cases the clinic down the road refers out. The full build runs about $590K, right when corporate consolidators are paying top dollar to roll practices up. A small down, the balance financed, and §179 deducts the full $590K the year it’s treating — more deduction than you put down, on equipment that lets you charge hospital fees. Charge hospital fees instead of clinic fees, on a build the write-off helps you afford this year.”
Bobby Friel · Founder · 20+ years in banking and finance
How It Works
From Application to Funded
One application, 70+ lenders competing, a dedicated specialist, and most files funded in days.
60-second estimate
Enter your numbers — no credit check, no documents. You see an estimated funding range on the spot.
A specialist is assigned
A real funding specialist — not an algorithm — reviews your file, usually within 24 hours.
70+ lenders compete
Your application goes to the marketplace. Competing offers typically land 24–48 hours later.
You pick the offer
Compare structures and terms with your advisor. No obligation until you choose to sign.
Funded in days
From same-day working capital to a multi-piece stack, most files fund in days — not the bank’s 60–90.
Underwriting
What Underwriting Looks At
Funding here leads with what your business actually does — your revenue and cash flow. The specialist desk reads the real picture from your statements, then matches it to the lenders most likely to fund it.
How you’re evaluated
Revenue-first
sized off your top line, not just your balance sheet.
Cash-flow driven
your bank statements show how the business really runs.
Bank-statement underwriting
even a down year is read off 4 months of statements.
Story-driven
a big new contract, a seasonal swing, a turnaround in progress: context the raw numbers miss counts too.
What to have ready
↳Had a loss year? It’s read off the bank statements — 4 months, not 6.
Start fast, finish complete
The operators who fund quickest come to the specialist review with these ready — but you don’t need all of it to start. Your signed application and bank statements are what unblock the review; the rest can follow as trailing docs. Real term sheets come once the lenders can see a true business overview, so the move is simple: get the application and statements in right away, and don’t let a missing tax return hold up your term sheets.
Credit, straight
Qualification
Who Gets Funded — and Who’s Not Ready Yet
A straight read saves everyone time — here’s the line between a veterinary file that funds and one that isn’t ready yet.
↳Time in business is a factor, not a gate — newer crews with strong revenue still qualify.
Not ready yet isn’t a no — it’s a checklist. Most of it is fixable in a quarter or two, and your advisor will tell you straight which gaps to fix before a file goes in.
The Operator's Guide
Veterinary Hospital & Practice Financing
A Miniature Medical Center
A real veterinary hospital is built on equipment — digital imaging, a surgery suite, dental, an in-house lab — the stack that keeps the $1,500–$5,000 cases and the emergencies inside your building instead of referred to the specialty hospital. But it’s a six-figure build, and a busy hospital runs payroll for techs and DVMs against client payments and CareCredit that don’t all land same-day. We fund the build on the practice’s collections, and a working line smooths the swing between a heavy surgical week and the deposits clearing.
One Application, 70+ Lenders
Whether it’s equipment financing for the surgery suite and imaging, a working line for the busy-week cash-flow swing, or revenue-based capital to buy into or acquire the practice before a corporate consolidator does, we connect you with 70+ lenders who fund medical practices every week. Working capital, lines of credit, equipment financing, and receivables advances — $75K to $5M+, on your revenue, with §179 writing off qualifying equipment the year it’s placed in service. One application, soft-pull review to start.
Common Questions
Veterinary Financing — Questions, Answered
Yes — underwriting is on the practice’s collections and cash flow, not the equipment as collateral.
Yes — a line smooths the swing between heavy surgical weeks and the deposits clearing.
A qualifying build placed in service can generally be written off the year it’s working; your CPA models the bracket.
A signed application plus four months of bank statements, a P&L, a balance sheet, and two years of returns. If recent years show losses, the specialist desk can underwrite on four months of bank statements.
Yes — buy-ins and acquisitions are structured revenue-based and capital-stacked on the practice’s numbers, which moves on the acquisition’s timeline, not an SBA 7(a) queue.
Recommended Funding
The Products That Fit Veterinary Work
Equipment Financing →
Finance the surgery suite, imaging, dental, and lab — §179 write-off included.
Working Capital Loans →
Cover payroll across the deposit gap and fund the after-hours/ER build.
Business Line of Credit →
Draw against the busy-week swing and CareCredit timing, repay as deposits clear.
Invoice Factoring →
Advance against aging client and CareCredit receivables instead of waiting on them.
Explore by specialty