Merchant Fund Express
(305) 384-8391Apply

Payroll Funding for Veterinary Clinics

Keep your vets, techs and front desk paid on time, even in a slow stretch. Funding from $25,000 for established practices with steady deposits.

Cover My Payroll

Veterinary Payroll Funding

A Steady Payroll for a Practice That Never Closes

Clinic revenue moves with the appointment book. Payroll doesn't. We help veterinary practices bridge the weeks where those two drift apart.

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.

Payroll Funding That Fits a Clinic

Apply between appointments

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

Flexible on credit

FICO 500+ considered. Your practice's deposit history matters as much as your score.

Clear total cost

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

Predictable payments

Your repayment schedule is laid out in the offer up front, so you can plan it next to your pay periods.

Cash flow tight this month?

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.

Payroll doesn't wait for the slow week

A veterinary practice carries one of the heaviest payroll loads of any small business. DVMs, credentialed techs, assistants, kennel staff and client service reps all need to be paid on schedule, whether or not the appointment book was full that week. When a few slow days line up with a big supply order or an equipment payment, payroll gets tight fast.

Payroll funding for veterinary clinics covers that gap so your team stays paid and your best people stay put.

Where the squeeze usually comes from

None of these mean the practice is in trouble. They mean cash in and cash out aren't lined up.

How we help

We provide working capital, a business line of credit, merchant cash advance, equipment financing and revenue-based financing from $25,000 to $5,000,000. For a recurring payroll cushion, a business line of credit for veterinary practices lets you draw only when needed. For one larger need, like carrying a new associate through ramp-up, a lump sum of working capital is often cleaner.

Your offer lists the full repayment amount and payment schedule before you accept.

What we review

We look at about three months of business bank statements and consider FICO 500+. No tax returns are required, and sole proprietors can apply. The amount depends mainly on your deposits and existing obligations. We work with established practices that have steady deposits, whether you run a single small-animal clinic, a mobile practice or a mixed-animal hospital.

Getting payroll covered

The 5-minute application starts with a soft credit pull. Decisions move fast, and qualified businesses can see funding in as little as 24 hours. For a broader look at cash timing, read our veterinary cash flow guide.

Frequently Asked Questions

Can I use payroll funding to hire an associate vet?

Yes. Carrying a new associate's salary while their caseload builds is a common use. Funds can also cover techs, assistants and support staff.

Is a line of credit better for payroll than a lump sum?

If payroll gaps come up now and then, a line of credit lets you draw only what you need. If you have one known gap, a lump sum is often simpler.

Do I need tax returns?

No. We review about three months of business bank statements instead.

How much can a veterinary clinic get?

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

How fast does the money arrive?

Qualified businesses can be funded in as little as 24 hours after accepting an offer.

Associate Salary $32,000.00
Relief Vet Cover $14,000.00
Tech Overtime $9,500.00
Staff Bonuses $18,000.00

Example uses for illustration only.

How to improve your chances

A few practical steps make a clinic's payroll funding request easier to review.

  • Map pay dates against your typical deposit pattern
  • Run card and client payments into one business account
  • Keep the account clear of overdrafts before applying
  • Know the payroll total you need to cover

Payroll Funding: Merchant Fund Express vs. a Bank

Merchant Fund Express
Traditional bank loans
Application
About 5 minutes
Lengthy forms and meetings
Documents
~3 months bank statements
Tax returns, P&L, more
Credit
FICO 500+ considered
Higher scores expected
Funding time
As little as 24 hours
Often weeks
Credit check
Soft pull to start
Hard pull common

Make Payroll Without the Stress

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

Apply for Funding
Apply NowCall