Merchant Fund Express
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Equipment Financing for Veterinary Clinics

Add X-ray, ultrasound, lab, or surgical equipment now and repay on a clear schedule. Apply in about five minutes with bank statements, no tax returns.

Finance My Equipment

Veterinary Equipment Financing

Bring more diagnostics and procedures in-house

Every referral out or lab sample sent away is revenue walking out the door. The right equipment keeps cases in your clinic.

As fast as
24 hours

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.

Built around how clinics buy equipment

Quick decisions, short document list

Three months of bank statements and a 5-minute application. Funding in as little as 24 hours for qualified clinics.

Room for imperfect credit

FICO 500+ is considered, and your clinic's steady deposits carry real weight.

Total cost in writing

Your offer shows the full repayment amount before you accept, with no surprise costs after you sign.

Payments mapped out early

The repayment schedule is in your offer up front so you can line it up with new service revenue.

Payroll before sales come in?

Fast decisions. Applying takes about 5 minutes.

Apply Now

How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

Equipment decides what your clinic can offer

In veterinary medicine, the gear you own shapes the services you sell. Without in-house bloodwork, samples go out and clients wait. Without digital radiography or ultrasound, cases get referred to someone else. Equipment financing lets you put that machine to work now and pay for it over time from the revenue it helps produce.

What vets typically finance

New or used can both make sense. A clean used unit from a reputable reseller can be a smart way to add a service line without stretching the budget.

Run the math on the machine first

Before you apply, sketch how the equipment pays for itself. For illustration: if an in-house analyzer lets you run panels same-visit instead of sending them out, estimate how many panels you run each week and what you keep on each. Compare that to the repayment schedule in your offer. If the machine covers its own payments with room to spare, it is likely a good fit. If it depends on doubling your caseload, think again.

How the process works with us

Fill out our 5-minute application, share about three months of business bank statements, and we begin with a soft credit pull. No tax returns are needed. FICO 500+ is considered, and sole proprietors can apply. Funding can arrive in as little as 24 hours for qualified businesses, and your offer shows the full repayment amount and schedule before you accept.

Questions to ask the equipment seller

Get the details in writing before you request funding. Ask what the warranty covers and for how long, whether installation and staff training are included, and what service visits cost once the warranty ends. Ask whether software subscriptions or consumables like reagent cartridges are required to run the machine. Those ongoing costs belong in your payback math right next to the repayment schedule, so you are not surprised by what it takes to keep the unit running.

When repairs beat replacement

Not every problem calls for a new machine. If an otherwise solid unit needs a part or service, our veterinary equipment repair funding page covers that path. Planning a bigger expansion with several pieces at once? See veterinary expansion funding.

Frequently Asked Questions

Can I finance used veterinary equipment?

Yes, used equipment can be financed. Share the seller and item details in your application.

How much can I finance?

Funding ranges from $25,000 to $5,000,000, based mainly on your deposits and existing obligations.

What paperwork do you need?

About three months of business bank statements and a short application. No tax returns.

Does my credit score need to be perfect?

No. We consider FICO scores from 500 and weigh the clinic's deposit history heavily.

Can I finance a mobile vet vehicle?

Vehicles and fit-outs used in the practice can be part of the request. Tell us what you need on the application.

Digital X-ray $65,000.00
Ultrasound unit $38,000.00
Lab analyzer $27,500.00
Anesthesia setup $25,000.00

Example uses for illustration only.

How to improve your chances

These steps can make an equipment request easier to approve and easier to repay.

  • Get a written quote with model and price
  • Estimate weekly revenue the equipment adds
  • Keep deposits flowing through one business account
  • Disclose any current equipment payments

Equipment financing with us vs. a bank

Merchant Fund Express
Traditional bank loans
Paperwork
Bank statements, no tax returns
Tax returns and statements
Credit
FICO 500+ considered
Higher scores usually required
Timing
As little as 24 hours if qualified
Weeks of underwriting
Used equipment
Can be financed
Often restricted
Cost clarity
Full repayment shown before signing
Fees may surface at closing

Put the next machine to work

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding
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