Merchant Fund Express
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Merchant Cash Advance for Veterinary Practices

Fund equipment, staff, and supplies from the revenue your clinic already earns. FICO 500+ considered, no tax returns, soft pull to start.

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Merchant Cash Advance

Invest in patient care without waiting on a bank

Your clinic earns steadily, but big costs land all at once. An MCA turns that steady revenue into funds for the equipment and people your practice needs now.

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.

An MCA that fits a busy practice

Five minutes to apply

A short application and about three months of statements. Qualified practices can be funded in as little as 24 hours.

Credit flexibility

FICO 500 and up considered. Your clinic's deposit history weighs heavily.

Full cost shown first

Your offer shows the total repayment amount before you accept. No surprise costs after you sign.

Repayment laid out up front

The repayment schedule is in your offer so you can plan it around payroll and supply orders.

Need capital this week?

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.

Why vet practices look at a merchant cash advance

A veterinary practice takes in steady card and client payments every day, yet its biggest costs arrive in lumps: a new digital X-ray system, a surgical table, a pharmacy restock, or a hiring push when an associate vet comes on board. A merchant cash advance turns the revenue your clinic already generates into a lump sum you can use now.

We work with established practices that have steady deposits, from general small-animal clinics to emergency hospitals and mobile vets.

How it works

An MCA is an advance against your future business revenue. You receive funds up front, and repayment comes from your incoming revenue on the schedule set out in your offer. The offer also shows the total amount you will repay before you accept, and nothing gets added after you sign.

The amount depends mainly on your deposit history and existing obligations. Funding ranges from $25,000 to $5,000,000, and qualified businesses can be funded in as little as 24 hours.

Where clinics use the funds

Credit and paperwork

Practice owners are often busy with clinical work, so we keep the process short. The application takes about five minutes, we ask for roughly three months of business bank statements, and no tax returns are required. The first check is a soft credit pull, and FICO scores of 500 and up are considered. Sole proprietors can apply.

Is an MCA the best fit?

If you are buying a specific piece of equipment, equipment financing for veterinary practices may suit you better. For ongoing needs, consider a veterinary line of credit. Our line of credit vs MCA comparison lays out the differences.

Frequently Asked Questions

Do you work with emergency and specialty hospitals?

Yes. Established practices of many types can apply, including general, emergency, specialty, and mobile veterinary businesses.

How much can my practice receive?

It depends mainly on your deposits and existing obligations, within our $25,000 to $5,000,000 range.

Do I need to send tax returns?

No. About three months of business bank statements and the short application are what we start with.

Will the cost be clear before I commit?

Yes. Your offer shows the full repayment amount and schedule before you accept, with no surprise costs after signing.

I am a sole proprietor running a mobile vet service. Can I apply?

Yes. Sole proprietors can apply. We look for steady business deposits.

Digital X-ray $85,000.00
Pharmacy restock $30,000.00
Associate vet hire $60,000.00
Exam room build $95,000.00

Example uses for illustration only.

How to improve your chances

These steps help a veterinary practice present a strong file.

  • Run all client payments into one business account
  • Have equipment quotes ready if equipment drives the request
  • Keep supply and payroll costs tracked monthly
  • List current loans and advances accurately

MCA vs a bank practice loan

Merchant Fund Express
Traditional bank loans
Main factor
Business bank deposits
Credit, collateral, financials
Documents
About 3 months of statements
Tax returns and statements
Credit
FICO 500+ considered
Strong credit expected
First check
Soft pull
Hard pull is common
Speed
As little as 24 hours if qualified
Weeks of underwriting

Give your practice room to grow

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

Apply for Funding
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