Merchant Fund Express
(305) 384-8391Apply

Revenue-Based Financing for Veterinary Practices

Capital sized mainly to your clinic's deposits. Apply in about five minutes with three months of bank statements and no tax returns.

Size My Offer

Revenue-Based Financing

Let your client volume make the case

Steady visits, surgeries, and pharmacy sales show up in your bank deposits. We use that history to build an offer that fits how your practice earns.

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.

What makes it work for clinics

Fast and paperwork-light

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

Deposits over credit score

FICO 500+ considered. Your revenue pattern carries more weight than a single number.

Total repayment up front

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

A known schedule

The repayment schedule is laid out in your offer so you can test it against a typical month.

Ready to see your numbers?

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.

Funding sized to what the clinic brings in

Revenue-based financing starts from a simple question: how much money moves through your practice? Instead of leaning on collateral or years of tax filings, the offer is built mainly around your deposit history and the obligations you already carry. For a veterinary practice with a steady stream of wellness visits, dental cleanings, and surgeries, that is often a clearer way to measure strength than a balance sheet.

Why it suits veterinary cash flow

Vet revenue is reliable but not flat. Spring brings parasite prevention and vaccine boosters, summer can mean more injuries and boarding, and the weeks after the holidays are often quieter. Financing that is sized against actual deposits reflects that reality. You can see exactly how the repayment schedule lines up with your typical month before you accept, and decide whether it sits comfortably within your cash flow.

Where clinic owners put it to work

Growth plans like these are covered in more depth on our veterinary expansion funding page.

For illustration: sizing a request

Say a single-location clinic deposits steadily month after month and carries one existing equipment payment. For illustration only, an owner like that might request enough to fund a new associate's first quarter of salary, not a full year. The amount we can offer depends mainly on deposits and existing obligations, so a smaller, targeted request is often easier to fit and easier to repay. Our veterinary cash flow guide can help you map the numbers.

What it takes to apply

Start with our 5-minute application. We ask for about three months of business bank statements and begin with a soft credit pull. No tax returns are required, FICO 500+ is considered, and sole proprietors can apply. Funding can arrive in as little as 24 hours for qualified businesses. Your offer spells out the full repayment amount and the repayment schedule before anything is signed.

Frequently Asked Questions

How is revenue-based financing different from a bank loan?

The offer is built mainly on your deposit history and existing obligations instead of collateral and tax returns.

What range can a vet clinic request?

Funding ranges from $25,000 to $5,000,000, depending mainly on deposits and current obligations.

Do seasonal swings hurt my chances?

Seasonality is normal for vet practices. We look at the overall deposit pattern, and you can explain known slow periods.

What documents do I need?

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

Can a single-doctor practice apply?

Yes. Sole proprietors and solo practices with steady deposits can apply.

Associate DVM $48,000.00
Boarding wing $85,000.00
Laser therapy $29,000.00
New-site marketing $16,000.00

Example uses for illustration only.

How to improve your chances

Clinics that do these things tend to get cleaner, better-fitting offers.

  • Keep clinic revenue in one business bank account
  • Note seasonal dips so they are easy to explain
  • Tie the request to a specific growth plan
  • Share all existing obligations on the application

Revenue-based financing vs. a bank loan

Merchant Fund Express
Traditional bank loans
Based on
Deposits and obligations
Collateral and tax returns
Documents
3 months of bank statements
Years of financials
Credit
FICO 500+ considered
Strong credit expected
Timing
As little as 24 hours if qualified
Several weeks or more
Application
About 5 minutes
In-person meetings

Turn steady visits into growth capital

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

Apply for Funding
Apply NowCall