Merchant Fund Express
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Emergency Funding for Veterinary Clinics

When imaging fails or payroll lands early, apply in five minutes. Funding in as little as 24 hours for qualified practices.

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Veterinary Emergency Funding

Keep the clinic running while you fix the problem

We review your deposit history, not a stack of tax returns, so a veterinary practice can move from a breakdown to a funded offer quickly.

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 for urgent clinic needs

Fast, light paperwork

A five-minute application and about three months of bank statements. Funding in as little as 24 hours for qualified practices.

Credit flexibility

FICO 500+ considered, and we start with a soft credit pull. Your clinic's deposits carry the most weight.

Clear costs

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

Predictable repayment

The repayment schedule is laid out in your offer up front, so you can plan around appointments and payroll.

Ready to see your numbers?

Fast decisions. Applying takes about 5 minutes.

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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.

When the emergency is the clinic itself

Veterinary teams are built to handle emergencies on the table. The harder ones are the emergencies in the building: an autoclave that quits, a digital X-ray sensor that fails, a compressor on the anesthesia machine that needs replacing, or a payroll week that lands right after a slow stretch of appointments. Patients still come in, and you cannot tell a pet owner to wait for next month's receivables.

We put together emergency funding for veterinary practices that need capital quickly and do not have weeks to spend on a bank file. Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses.

What vet clinics typically cover with emergency capital

If the problem is a specific machine, equipment repair funding for veterinary clinics covers that scenario in more depth.

How we review a veterinary practice

Most vet clinics run steady card and check deposits from appointments, wellness plans and pharmacy sales. That deposit history is what we look at first. You send about three months of business bank statements, we run a soft credit pull to start, and no tax returns are required. FICO scores of 500 and up are considered, and sole proprietors can apply.

The amount you can access depends mainly on your deposits and the obligations you already carry. Funding ranges from $25,000 to $5,000,000.

Matching the product to the emergency

A one-time repair usually fits a lump-sum option like a merchant cash advance or working capital. If you expect more surprises over the next stretch, a business line of credit lets you draw only what you need. Replacing a major machine can also be handled through equipment financing. Whatever you choose, your offer shows the full repayment amount and the repayment schedule before you accept, so there are no surprise costs after you sign.

Ready to see numbers? Start the five-minute application.

Frequently Asked Questions

How fast can a veterinary clinic get emergency funding?

Decisions move quickly once we have your bank statements. Funding can arrive in as little as 24 hours for qualified businesses.

Do I need tax returns or a business plan?

No tax returns are required. We mainly review about three months of business bank statements and a short application.

Will applying hurt my credit?

We start with a soft credit pull, which does not affect your score.

Can a solo practitioner apply?

Yes. Sole proprietors can apply, including single-doctor practices and mobile vets with steady deposits.

How much can my practice receive?

Funding runs from $25,000 to $5,000,000. The amount depends mainly on your deposit history and the obligations you already have.

X-ray repair $38,000.00
Relief vet staffing $26,000.00
Pharmacy restock $45,000.00
Kennel HVAC $52,000.00

Example uses for illustration only.

How to improve your chances

A few habits make the next emergency easier to fund for any veterinary practice.

  • Deposit all appointment and pharmacy revenue into one business account
  • Keep three months of bank statements ready to download
  • Avoid frequent overdrafts during slow weeks
  • Track equipment age so replacements are planned

Emergency funding vs. a bank loan

Merchant Fund Express
Traditional bank loans
Application
5 minutes online
Lengthy forms and meetings
Documents
About 3 months of bank statements
Tax returns, financials, projections
Credit
FICO 500+ considered
Strong credit usually expected
Speed
As little as 24 hours if qualified
Often several weeks
Credit check
Soft pull to start
Hard pull up front

Get your clinic back to full speed

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

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