Merchant Fund Express
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Expansion Funding for Veterinary Practices

Add exam rooms, a second location, new services or staff. Funding from $25,000 to $5,000,000 for established practices with steady deposits.

Grow My Practice

Veterinary Growth Funding

Turn a Full Appointment Book Into More Capacity

When clients wait weeks for an appointment, you're leaving care and revenue on the table. We help practices fund the build-out and hires to meet demand.

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.

Growth Funding for Veterinary Owners

Quick start

A 5-minute application and about three months of bank statements. Funding in as little as 24 hours for qualified practices.

Credit flexibility

FICO 500+ is considered. We look closely at your practice's deposit history.

Clear costs

The full repayment amount is shown in your offer before you accept, with no surprise costs after you sign.

Predictable schedule

Your payment schedule is laid out up front, so you can plan expansion milestones around it.

Cash flow tight this month?

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.

Growing a practice takes capital up front

A waitlist for appointments is a good problem, but solving it costs money. More exam rooms, a surgical suite upgrade, a second location, an associate DVM, or a new service like dentistry, rehab or urgent care all require spending before the added revenue shows up.

Expansion funding for veterinary practices covers that up-front cost so you can grow while demand is there.

Expansion paths we see most

Build-out and renovation

Converting space into exam rooms, a dental suite or a larger treatment area.

A second location

Leasehold improvements, furniture, initial supplies and staff for a satellite clinic.

New services

Adding imaging, laser therapy, rehabilitation, boarding or grooming.

People

Hiring an associate vet and techs ahead of the caseload they'll take on.

Pairing products with plans

We offer working capital, business line of credit, merchant cash advance, equipment financing and revenue-based financing from $25,000 to $5,000,000. New equipment can be paired with equipment financing. Construction and staffing costs often fit working capital. A phased rollout may suit a line of credit.

For illustration, a clinic might use equipment financing for a new ultrasound and working capital to remodel the room it goes in.

What we look for

Established practices with steady deposits. We review about three months of business bank statements, consider FICO 500+ and don't require tax returns. Sole proprietors can apply. The amount depends mainly on your deposits and existing obligations. Every offer shows the full repayment amount and schedule before you accept. Want to see how funders weigh a practice? Read how veterinary practices qualify.

Start the conversation

The application takes about 5 minutes and starts with a soft credit pull. Decisions move fast, and qualified businesses can see funding in as little as 24 hours.

Frequently Asked Questions

Can I use expansion funding for a second clinic?

Yes. Build-out, furniture, supplies, equipment and early staffing for a new location are common uses.

Can I combine equipment financing with working capital?

Many practices do, using equipment financing for machines and working capital for renovation or hiring.

How much can I get for expansion?

Funding ranges from $25,000 to $5,000,000, based mainly on your deposits and existing obligations.

What documents do you need?

About three months of business bank statements. No tax returns are required.

Will applying affect my credit?

The application starts with a soft credit pull, which does not affect your score.

Should I expand all at once or in phases?

It depends on your demand and cash position. Phasing lets you add one exam room or one associate at a time and confirm the added appointments before the next step. A line of credit can fit a phased plan, while a lump sum often suits a single build-out with a fixed contractor quote and timeline.

Exam Room Build $65,000.00
Second Location $150,000.00
Associate Hire $40,000.00
Rehab Service $30,000.00

Example uses for illustration only.

How to improve your chances

These steps help a practice present a clear expansion plan.

  • Write down the cost and timeline for each phase
  • Estimate added appointments the expansion supports
  • Keep business deposits in one account
  • Get contractor or vendor quotes in writing

Expansion Funding Compared

Merchant Fund Express
Traditional bank loans
Application
About 5 minutes
Lengthy underwriting
Paperwork
~3 months bank statements
Tax returns, projections
Credit
FICO 500+ considered
Strong credit expected
Speed
As little as 24 hours
Weeks to months
Products
LOC, equipment, MCA, more
Mainly term loans

Build the Practice Your Clients Already Want

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

Apply for Funding
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