FICO 500+ considered. We look at your clinic's steady deposits, not just a score. Soft pull to start, no tax returns, 5-minute application.
See My OptionsVet Funding With Bruised Credit
Vet school debt and a tough year can leave marks on a report. If client payments come in steadily, we want to see the full picture.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Three months of bank statements and a 5-minute application. Funding in as little as 24 hours for qualified clinics.
FICO 500+ is reviewed, and a soft pull starts the process without a hard inquiry.
The full repayment amount is shown in your offer before you accept, with no surprise costs after you sign.
Your schedule is laid out in the offer up front so you can plan around it.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Plenty of veterinarians carry personal credit damage that has nothing to do with how well the practice runs. Student loans from vet school, a buildout that ran over budget, a divorce, or a slow first year can all drag a score down. Banks tend to stop reading once they see the number. We take a different approach and start with the clinic's bank statements.
FICO scores from 500 are considered. Credit is one input, not the whole file. What carries the most weight is the pattern in about three months of business bank statements: how regularly client payments come in, how the balance holds up through the month, and what existing obligations are already being paid. A clinic with steady deposits and a lower score can look stronger to us than the score alone suggests. That said, nothing is automatic either way; every file is reviewed on its own facts.
None of these is a deal-breaker by itself, but each one affects the amount and structure we can offer. Our veterinary qualification guide goes deeper.
Depending on your need, a merchant cash advance, working capital, a line of credit, or revenue-based financing may fit. Each offer shows the full repayment amount and schedule before you accept, so you can compare them on real numbers.
The application takes about five minutes and begins with a soft credit pull, so checking your options does not add a hard inquiry at the start. No tax returns are required, and sole proprietors can apply. Funding can arrive in as little as 24 hours for qualified businesses. If you accept an offer and make every payment on schedule, that track record helps the next time you need capital.
We consider FICO scores from 500. Your deposit history and existing obligations carry a lot of weight in the review.
We start with a soft credit pull, which does not affect your credit score.
Every file is reviewed individually. Be upfront about your history so the offer reflects the full picture.
No. About three months of business bank statements and a short application are the core documents.
Funding ranges from $25,000 to $5,000,000. The amount depends mainly on deposits and current obligations, not just your score.
Example uses for illustration only.
These honest steps can strengthen a clinic's file even with credit blemishes.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding