Business Loans for Veterinarians & Veterinary Hospitals

Find the Best Veterinary Loans for Your Business at Advancepoint Capital. Compare, Choose and Save Today.

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The veterinary practice sector is driven by the execution of the expertise of treatment and the services provided. Its not easy to manage your own veterinary practice. There are many moving parts to run an efficient and accountable business so you can deliver excellent service with quality.

Having a proper credit facility for your existing practice is essential to help the veterinary practice function and operate properly. Whether it’s getting the latest equipment to improve the care and overall practice operations process or purchase supply in bulk at a discount, practice loans may be necessary to maintain and or build the practice/animal hospital.


Everyone knows how difficult it can be to deal with lenders, banks like Bank of America or credit unions to get a bank loan. Bank loans require tons of paperwork, and personal credit standards are high. AdvancePoint Capital can provide working capital to veterinary practice owners using our network of alternative lenders and products. We have a diverse range of loans offering various interest rate options, owner credit score qualifications, loan amounts, and more. Our lending products give your veterinary practice the flexibility and freedom necessary to find online lenders that help you with your specific needs.

We understand how challenging it can be for small business owners to find the right lending programs to expand their business and purchase more equipment, supplies or simply to secure more working capital. Veterinary practice financing can be a complex endeavor — but we make it easy.

Regardless of credit scores, credit history, business needs, payment terms, loan size, and more — we’ll be your lending partner to help improve business revenue to enhance business operations all around. When bank financing is not an option, you need a lender you can rely on, and that’s where we can help. We make the approval process a breeze, with quick and easy ways to get your loan approval and cash fast to help out with various business expenses of your existing practice.

Whatever comes next in your business plan, as your business funding marketplace, we have the products you need to grow and expand. AdvancePoint Capital is here to help.

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AdvancePoint Capital makes the loan application process a simple, straightforward experience.

The 8 Best Business Financing Options for
Veterinary Practices

When it comes to discovering what manufacturing financing works best for you, it’s essential to look through all of your available options to decide which source of capital is ideal. Whether it’s choosing the right interest rate or terms, it’s crucial that you look at a wide range of factors to choose the one that’s right for you. Financing options for manufacturers from AdvancePoint capital are diverse —with a variety of lending partners, so let’s take a look at six of the best loan opportunities for financing your practice.

Business Line of Credit

Business Lines of Credit

A Business line of credit is a revolving credit line with an affordable interest rate that you only pay interest on the outstanding balance. You can draw money off of credit line without having to re-apply up to a credit limit.

Short-Term Business Loan for a California Small Business icon

Short-Term Small Business Loan

Short term loans are a great option when traditional bank loans for veterinarians are not an option. Fixed loan amount, fixed rate and fixed terms make this product predicable in repayment.

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Long-Term Small Business Loans

The main reason veterinary businesses consider long term loans are for large business expansions or absorbing other veterinary practices. For this purpose and reason, its a must for the loan amount requested and the monthly payment can be spread over years not months so the monthly payment structures are affordable.

Merchant Cash Advance for a California Small Business

Business Credit Cards

Veterinary professionals use credit cards in there arsenal of business financing products as its a great option for quick purchases and paying off bills and/or expenses.

Equipment Financing for a California Small Business

Equipment Financing

The cost to purchase equipment for veterinary businesses can be a big burden. Acquiring an equipment loan can defray those costs over time to reduce the financial burden of the business. Equipment financing uses the new equipment as collateral so terms can be spread out over years either with an equipment leases or equipment loans.

Merchant Cash Advance for a California Small Business

Merchant Cash Advances

Merchant cash advances are advances and not loans. Businesses can receive an advance off of the current revenue of the business and pay it back off of a set percentage of the future credit card processing of the business, making repayment structure flexible to the ups and downs of future sales revenue.

Small Business Cash Advance for a California Small Business

Business Cash Advance

A business cash advance is an advance off of future receivables of the business that is repaid by the funder taking a set percentage of future sales deposits until paid back in full. This repayment schedule is flexible to the future sales. This option is commonly chosen when businesses cannot get approved for traditional business financing products.

SBA Loan

SBA Loans

The Small Business Administration is the federal agency the issues the qualifications and guidelines for Small Business Administration loans. SBA guarantees are provided to approved lenders who offer and service the loans. SBA loans are highly desirable due to low interest rates and favorable loan terms. SBA and conventional loans in general are difficult and reserved for businesses with great credit and can support the financial health of the business with tax returns and other financial statements. Going for a SBA loan is well worth the effort to apply if your qualified.

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Benefits of Veterinary Practice Loans

Cash Flow

Managing the cash flow of the practice can always be a problematic aspect of owning a business. Access to some type of credit facilities like a business credit line or short term loan is essential. Business financing in place can solve problems in your practice by filling those short or long-term issues like customer payment delays, supply and equipment purchases, payroll, and general operating expenses.

Owning Your Equipment Outright

Equipment is part of any veterinary practice. Repairs and upgrades of equipment are always going to be in the plans for the practice. In some cases, new equipment can entirely revolutionize the way processes work, improve efficiencies, and cut costs in the long run. Accessing equipment financing allows the practice to purchase new equipment, in many cases without down payment, to gain new clients, operate more efficiently, and in some cases, reduce labor costs and profit margins.

Hire Employees and Managing a Growing Team

Machines may be the foundation, but employees are the lifeblood that makes the practice work. Obtaining quality talent in manufacturing is exceptionally challenging. Financing may be needed to support the employment aspects of the practice. Signing bonuses for new employees, plus continued education, training, or hiring employment agencies, will all be priorities for growing practices. Financing may be the answer you need to grow your team.

Making Payroll

Payroll can be an issue for veterinarians because of clients’ inconsistency paying invoices in a timely fashion. Hiring new employees that need to be trained on the practice’s processes and other operational growth can also cause payroll issues that affect cash flow.

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Types of Veterinary Businesses We Serve:

  • Veterinary Hospitals
  • Animal Hospitals
  • Independent Veterinarians
  • Veterinary Professionals

Associations in the Veterinary Industry That Can Help New Businesses

American Animal Hospital Association https://www.aaha.org/ - American Animal Hospital Association is created simplify to provide all needs in the journey towards excellence for veterinary practices

American Veterinary Medical Association https://www.avma.org/ - The AVMA is the nation's leading advocate for the veterinary profession. Representing more than 99,500 members, we protect, promote and advance the needs of all veterinarians and those they serve.

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