Merchant Fund Express
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Inventory Funding for Veterinary Practices

Stock vaccines, preventives, diets and supplies when pricing and timing are right. Funding from $25,000 for established practices.

Stock Up Now

Veterinary Inventory Funding

Buy Ahead of Demand, Not Behind It

Spring preventive season and distributor volume deals don't wait for cash to build. We help clinics buy at the right moment.

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.

Inventory Funding for Your Clinic

Fast and simple

Apply in about 5 minutes with roughly three months of bank statements. Funding in as little as 24 hours for qualified practices.

Flexible credit view

FICO 500+ considered. Your practice's steady deposits carry real weight.

Total cost in your offer

The full repayment amount appears in your offer before you accept, with no surprise costs after signing.

Plan your payments

The repayment schedule is laid out in the offer up front, so you can line it up with your sales cycle.

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.

Inventory is a big line on the clinic budget

For most veterinary practices, inventory ranks near payroll among the largest costs. Vaccines, pharmaceuticals, parasite preventives, prescription diets, surgical consumables and lab supplies all have to be on hand before the patient walks in. Distributors often reward volume purchases, and seasonal demand for preventives can spike quickly.

Inventory funding for veterinary practices lets you buy at the right time and in the right quantity without draining operating cash.

Smart reasons to stock up

Watch expiration dates. Stocking deeper only helps if you'll use the product before it expires.

Which funding fits inventory

We offer working capital, business line of credit, merchant cash advance, equipment financing and revenue-based financing from $25,000 to $5,000,000. A line of credit fits repeated distributor orders since you draw as you buy. A single large seasonal order often suits a lump sum. A merchant cash advance for veterinary clinics is another option tied to your card sales.

What we look at

About three months of business bank statements, with FICO 500+ considered and no tax returns required. Sole proprietors can apply. The amount depends mainly on your deposits and existing obligations. Every offer shows the full repayment amount and payment schedule before you accept.

We work with established small-animal, mixed-animal, equine and mobile practices with steady deposits.

Place the order

Start with the 5-minute application, which uses a soft credit pull. Decisions move fast, and qualified businesses can be funded in as little as 24 hours. Planning further ahead? See our slow-season funding for veterinary practices.

Frequently Asked Questions

Can inventory funding cover prescription diets and retail products?

Yes. Funds can go toward diets, retail items, pharmaceuticals, vaccines, preventives and clinical supplies.

Should I use a line of credit or a lump sum for inventory?

A line of credit fits recurring orders you place throughout the year. A lump sum often works for one large seasonal purchase.

How much inventory funding is available?

From $25,000 to $5,000,000, based mainly on your deposits and existing obligations.

Do I need perfect credit?

No. FICO 500+ is considered.

How quickly can I get the funds?

Qualified businesses can be funded in as little as 24 hours.

How do I avoid overbuying with inventory funding?

Start from last year's sales by product and month, then add a buffer for expected growth or seasonal demand. Check expiration dates and storage space before you order deeper. Funding should match what your clinic will realistically dispense or sell, so cash isn't tied up in products sitting on the shelf.

Preventives $22,000.00
Vaccines $12,000.00
Rx Diets $9,500.00
Surgical Supplies $7,000.00

Example uses for illustration only.

How to improve your chances

A few habits strengthen a practice's inventory funding request.

  • Review last year's preventive sales by month
  • Track expiration dates before ordering deeper
  • Keep distributor invoices and order history handy
  • Deposit all client payments to one business account

Inventory Funding vs. a Bank Loan

Merchant Fund Express
Traditional bank loans
Application
About 5 minutes
Days of paperwork
Docs
~3 months bank statements
Tax returns, P&L
Credit
FICO 500+ considered
Higher scores expected
Funding
As little as 24 hours
Weeks is common
Starts with
Soft credit pull
Hard pull typical

Keep Your Shelves Ready for Every Patient

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

Apply for Funding
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