Industry
Payment at time of service for most visits, with pet insurance reimbursement growing.
✓ Checking what you qualify for does not affect your credit score.
Veterinary practices are classified under Veterinary Services, which is an eligible category. That takes industry off the table and leaves the same four things every file is read on: average daily balance against revenue, time in business, negative days and NSFs, and existing positions.
Payment at time of service for most visits, with pet insurance reimbursement growing.
In California that usually means capital goes to imaging, surgical suites, an associate veterinarian, build-out, practice acquisition.
Steady, with a summer lift in many markets.
California funds here, with extra restrictions on the revenue-based tier. The line of credit and term loan are unaffected.
Most of this activity sits around Los Angeles, San Diego, San Jose, San Francisco, Fresno and Sacramento.
We fund businesses in all 50 states. California and New York carry extra restrictions on the revenue-based tier.
State board licensing applies. Licensing is not a funding threshold here, but an expired licence shows up in diligence.
The California economy runs on the largest small-business economy in the country, and veterinary practices here largely track that base rather than the weather.
Wildfire exposure also means insurance premiums and business-interruption risk sit higher here than the national average, which shows up in fixed costs.
Tier 1: 650 FICO, 3 years in business, $300,000 a year or $25,000 a month, 8+ monthly deposits.
Tier 2: 600 FICO, 6 months in business, $60,000 revenue, $800 minimum daily balance.
Renewal: 550 FICO, 2 years in business, once 50% of the original balance is repaid.
The minimum FICO is 500. The 650/600/550 tiers are product criteria that decide which product a file is read against, not a floor on the business. Scores in the 500s are placed routinely and are read on revenue, deposit consistency and time in business rather than on the score alone.
Yes. Veterinary practices are classified under Veterinary Services, which is an eligible category .
The minimum FICO is 500. The 650/600/550 tiers are product criteria that decide which product a file is read against, not a floor on the business. Scores in the 500s are placed routinely and are read on revenue, deposit consistency and time in business rather than on the score alone.
Same-day decision and next business day funding on a complete file — the application plus three months of business bank statements.
Steady, with a summer lift in many markets. Underwriting reads the average and the deposit count, not the peak month.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
