Keep payroll covered and shelves stocked through slow months and growth. FICO 500+ considered, soft pull to start, no tax returns.
See My OptionsWorking Capital
Visits rise and fall with the seasons, but payroll and supply orders do not. Working capital keeps your clinic funded so care never has to wait on cash.
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.
About five minutes plus three months of statements. Qualified clinics can be funded in as little as 24 hours.
FICO 500 and up considered. Consistent client revenue counts for a lot.
Your offer shows the full repayment amount before you accept, and nothing is added after you sign.
The repayment schedule is laid out in your offer up front so it fits your payroll cycle.
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.
Veterinary revenue is steadier than many businesses, but it is not flat. Spring and summer often bring more wellness visits, parasite prevention sales, and boarding. Winter can slow down. Meanwhile, payroll for vets and technicians, drug and supply orders, and lab fees keep coming. Working capital is the buffer that keeps a clinic running smoothly through those swings and lets it grow when the timing is right.
Picture a two-doctor small-animal clinic that wants to extend evening hours. It needs to hire a technician and a receptionist and expects the new hours to take a few months to fill. Working capital covers those first months of wages while appointment volume builds. The amount we can offer depends mainly on the clinic's deposits and current obligations.
Borrowing more than the clinic needs can strain cash later, and borrowing too little can leave a project half done. Start with the actual cost of the wages, inventory, or repair, then check the repayment schedule in your offer against a slow month's deposits. If it still works in your quietest season, the amount is probably right for your practice.
Our application takes about five minutes. We ask for about three months of business bank statements and do not require tax returns. The first check is a soft credit pull, and FICO scores of 500 and up are considered. Sole proprietors can apply.
Funding ranges from $25,000 to $5,000,000. If you qualify, your offer lists the full repayment amount and repayment schedule before you accept, and qualified businesses can be funded in as little as 24 hours.
Working capital can come as a merchant cash advance for veterinary practices, a business line of credit, or revenue-based financing. Our veterinary cash flow guide can help you weigh them.
Yes. Many clinics use it to cover wages during slow months or while new staff ramp up.
Mainly your business bank deposits, how consistent they are, and your existing obligations. Credit is considered too, with FICO 500 and up reviewed.
No. We start with about three months of business bank statements and a short application.
We work with established businesses that have steady deposits. Apply and we will review your history.
No. The full repayment amount is in your offer before you accept, with no surprise costs after you sign.
Example uses for illustration only.
A few practical steps make a clinic's request easier to approve.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding