Staff, diagnostics and pharmacy stock cost money before patients walk in. Learn how practices manage cash flow, and how our funding can help.
Explore FundingVeterinary cash flow
New equipment, new hires and bigger inventory all come before the revenue they bring. We fund practices from $25,000 to $5,000,000.
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.
5 minutes to apply, about three months of bank statements, and funding in as little as 24 hours if qualified.
FICO 500+ considered. We weigh steady deposits heavily.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
The repayment schedule is laid out in your offer up front so you can budget it monthly.
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.
A veterinary practice looks steady from the outside: appointments, surgeries, boarding and pharmacy sales. Inside, the cost structure is heavy. Veterinarians, technicians and front desk staff are expensive to recruit and keep. Digital X-ray, ultrasound, lab analyzers and anesthesia machines cost a lot to buy and maintain. Pharmacy and food inventory sits on the shelf until it sells.
Client spending can soften during slower economic stretches, and seasonal patterns like spring parasite prevention or summer boarding move revenue around. A single equipment failure can stop a line of service. Opening a second exam room or location means spending well before new patients arrive. Large procedures add another wrinkle: some clients need time to pay, and the practice carries the cost of supplies, anesthesia and staff time in the meantime. Clear estimates, deposits on planned surgeries and a firm collection policy reduce that strain without hurting client trust.
Many practice owners also set a monthly review of production per doctor and per service line, which shows where growth is coming from and where spending can wait.
Most practice growth follows a pattern: add a doctor, add equipment, add space. Each step costs money before it pays back. A new associate needs months to build a schedule. New diagnostic equipment needs staff training and client awareness. An expanded building needs permits and buildout. Sizing funding to cover the ramp, not just the purchase price, keeps day-to-day operations steady. Emergency and specialty clinics also carry heavier overnight staffing costs, which affects how much cushion they need. Read how veterinary practices qualify or see veterinary payroll funding for more.
Merchant Fund Express offers working capital for veterinary practices for staffing and inventory, equipment financing for veterinary clinics adding diagnostic tools, and a business line of credit for uneven months. Funding runs from $25,000 to $5,000,000, based on about three months of bank statements. Apply in 5 minutes with a soft credit pull.
Yes. Equipment financing is commonly used for diagnostic and surgical equipment.
No. We start with about three months of business bank statements.
FICO 500+ is considered. Deposit history carries a lot of weight.
Qualified businesses can be funded in as little as 24 hours.
Yes. Covering payroll while a new hire builds a patient base is a common use of working capital.
Yes. Sole proprietors can apply, and we review your business bank deposits and existing obligations.
Example uses for illustration only.
These habits keep a practice's cash flow clear and steady.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding