LOANS & FINANCING FOR VETERINARY PRACTICES

Veterinary practices have access to several financing solutions tailored to their unique needs:

• Practice acquisition & startup loans – Buy an existing clinic or start your own.
• Commercial Real Estate Loan – Purchase, build, or renovate veterinary facilities.
• Equipment Financing – Acquire diagnostic tools, surgical equipment, and technology upgrades.
• Working capital – Cover payroll, inventory and day-to-day operating expenses.
• Debt consolidation & refinancing – Combine multiple loans into one payment and improve cash flow.
• SBA Loans (7(a), 504) – Government-backed options with lower down payments and longer terms.

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Veterinary practice loans can be used for a wide range of needs, including starting or acquiring a clinic or hospital, purchasing or renovating office space, buying medical equipment and technology, covering operating expenses, expanding services, consolidating debt and funding marketing or staffing. These loans are tailored for animal care professionals, offering flexible terms and specialized underwriting to support growth and stability. 

1. Initial inquiry – Speak with a practice financing specialist about your goals.
2. Prepare documents such as financial statements, personal and business tax returns, business plan and projections, certifications and licensing information.
3. Proposal – Receive a customized financing proposal.
4. Underwriting – Lender reviews your financials and risk profile.
5. Closing – Sign final documents and confirm terms.
6. Disbursement – Funds are released for your practice needs.

• Up to 100% financing for practice acquisition, start-ups, expansions, and equipment purchases.
• Terms: Up to 15 years for practice loans and up to 25 years for commercial real estate loans.
• Flexible options such as six-month interest-only periods and competitive fixed or adjustable rates.
• Collateral requirements vary by borrower and loan type.

Absolutely. We offer the ability to finance new or used veterinary equipment including diagnostic tools, surgical tables, x-ray machines and ultrasound systems and technology upgrades.

• Application-only financing up to $200,000 for existing U.S. Bank clients.
• Full financing up to $2.5 million with flexible repayment terms (24–60+ months), no down payment required.
• Equipment itself serves as collateral – no blanket liens.
• You can also finance multiple pieces of equipment under one agreement.

Learn more about equipment financing.

Most practice financing loans use conventional bank funding, while SBA loans¹are government-backed and come with distinct terms. Some practice finance loans could qualify for SBA backed lending. Speak to an expert to find the best solution for you. SBA loans are useful when traditional financing isn't available or can be combined with standard options to meet financial needs.

Practice financing loans can vary in their collateral requirements depending on the specific type of practice financing and the borrower’s financial situation. We provide secured and unsecured loans to meet your business needs. For more information, speak with a practice financing specialist now.

We offer a variety of customized financing solutions that include up to 100% financing, options for six-month interest-only periods, various prepayment options, and competitive fixed rates with practice loan terms up to 15 years and commercial real estate terms up to 25 years.

Yes, we provide up to 100% financing for clinic and hospital start-ups, acquisitions and expansions, with flexible repayment and up to six months of interest-only payments. Terms include up to 15 years for practice loans and up to 25 years for commercial real estate loans.

Ready to take the next step? Speak with a practice finance specialist today.

Often, yes. Financing your practice expansion or equipment purchases can often align with tax deductions under current laws – potentially lowering your overall costs. Talk with your tax advisor to see how these benefits could apply to you.²