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Small Business Loans For Veterinarians

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Borrow from $5K-$500K

Decision in as few as 24 hours1

$2B+ in loans funded

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BFS Capital knows it’s an exciting time to have a veterinary practice. The industry continues to grow, mostly thanks to the love of pet owners, who are willing to pay more for their four-legged family member’s healthcare and those in livestock owners who are seeing preventive healthcare as a more integral part of their business.

With millennials making up the majority of pet owners today, the outlook for veterinarians is healthy for the future. Additionally, the better care that many pets have received means the population of senior pets is substantially increasing, which also boosts veterinary visits and revenues. Veterinarians who treat livestock are also looking to improve treatments as a way to boost revenue.

The cost of veterinary care has risen even faster than the cost of human health care, more than doubling since 2000, according to the U.S. Bureau of Labor Statistics.  According to the American Pet Products Association (APPA), U.S. pet owners spent nearly $16 billion on veterinary care in 2016.

But as a veterinarian, you know that your business has to keep evolving and providing new services to keep growing. Pet owner expectations keep getting higher and as a small business, you are facing increased competition from corporations, which now own up to 20 percent of the 26,000 pet hospitals in the U.S.

BFS Capital has 15 years of experience providing veterinary financing. Whether you want to buy new equipment, build or remodel your office or need help with cash flow. We offer an easy application process and access to funds in as few as two business days1 for qualified applicants.


Veterinary services have been transformed over the last decade, with services such as laser treatment, underwater treadmills and stem cell therapy becoming more commonplace. Veterinarians need to seriously consider offering more premium services to grow their practices as pet owners learn about these new options.

Innovations in diagnostic testing have allowed veterinarians that treat both small animals and livestock to identify more diseases earlier rather than waiting days for lab results. There have also been significant developments in the ability to monitor patients by using cloud computing or electrodiagnostic monitoring that doesn’t require patients to be connected to machines, a major benefit in dealing with animals.

Another market trend is the growth of mobile applications to perform veterinary services such as an EKG and sending the results to a cardiologist for immediate review.

But the new equipment and technology come at a high cost. A standard ultrasound used in private practice generally costs upwards of $50,000 and a cold laser therapy machine runs about $40,000. Even if you decide to stick with standard equipment such as examining tables, cages and kennels and basic surgical and treatment tools, it will still cost about $75,000 to equip a new business.

BFS Capital understands how important it is for veterinarians to have the funds to purchase critical equipment. We’ve been working with small businesses since 2002 to provide the financing you need for equipment with an easy and fast application process. BFS Capital can provide funds in two business days1 to qualified applicants so you won’t need to miss out on buying cutting-edge equipment.

Expanding your Practice

The veterinary industry has changed significantly over the past decade as more corporations are buying existing practices or establishing new clinics throughout the country. For veterinarians who own their own practice, this competition has been the catalyst for many changes.

Among those changes is an increase in the number of employees in a veterinary practice. The average veterinary office employs about four employees for each veterinarian. The increase is partially due to better training of veterinary assistants, who can then perform certain basic procedures and help with initial assessments, allowing the veterinarian to see more patients.

You may be considering expanding or remodeling your current space. While pets may not care about office décor, their owners are increasingly demanding that spaces be more comfortable and friendly to pets. It might be prudent for you to remodel to create more patient rooms as you will be able to see more animals at the same time if your vet tech can perform many of the initial tasks.

Another trend gaining traction is growing demand for mobile vet services. As a mobile veterinarian, you can charge higher fees for the convenience, compared with brick and mortar competition, but equipping that truck can cost around $250,000.

While these trends could translate into significantly more profits, hiring more staff, expanding your office or buying a new mobile veterinary truck requires significant upfront costs. That’s where BFS Capital comes in. We have a lot of experience with veterinary practice financing.

BFS Capital can provide funds in two business days1 to qualified applicants so you won’t need to miss out on opportunities to expand.

Starting a Veterinary Practice

Whether you are a recent graduate from veterinary school or have been working as an associate at an office for several years, there may come a time when you want to open your own clinic.

It’s a significant investment – you may need to invest anywhere from $250,000 to $1 million even before you open your door to new patients, depending on your specialization, office and staff size and other factors.

While having your own veterinary practice gives you a substantially better chance of earning more money in the long run, the first few years may be tough as you build up your client. Among the bigger challenges for many veterinarians is having the appropriate inventory of medicine and specialty food, which will be an ongoing expense.  In addition, you’ll also need to dedicate a portion of your monthly budget for a marketing strategy.

Those expenses, along with employee salaries, rent and other costs make easy access to financing critical to your long term success. That’s where BFS Capital can help. We have been serving veterinarians for 15 years with extensive experience in veterinary practice financing.

Major financial institutions often require extensive business documentation and that the applicant be in business for at least three years. The BFS Capital application process is much easier, and our requirements are more flexible. We make loan decisions based on cash flow.


It’s probably not why you became a veterinarian, but in order to both grow your veterinary practice and keep your current clients, you need to spend time and money on marketing.

Experts recommend that veterinary practices dedicate a minimum of 3% of net sales on marketing, but startup veterinary practices will likely have to spend at least 5% or more.

You have to decide the best way to target your marketing dollars. It’s likely to be a mix of new media such as a business website, ads on Yelp, Facebook, Twitter, a presence on Instagram and other popular sites along with old methods such as coupons for first visits, direct mailings, brochures and newspaper ads. It might also include such efforts such as sponsoring local sports teams or community events.

If you simply don’t have the time to create an effective marketing plan as you concentrate on your veterinary practice, hiring a marketing consultant may be the best way to go. Veterinary practice marketing consultants are particularly adept at advising veterinary offices on the best ways to reach new people and help keep current patients coming back.

Often it makes sense to get financing for these marketing efforts. BFS Capital understands the importance of marketing for veterinary practices, and we’re here to help you with veterinary practice financing.

BFS Capital can provide funds in two business days1. to qualified applicants so you won’t need to miss out on the opportunity to grow your business through marketing.

BFS Capital understands veterinary practice financing. With 15 years of experience in serving veterinary practices, we can offer the financing solutions you need to succeed and grow.

We understand the hard work it takes to be a veterinarian today. The increasing competition in the veterinary industry means you need every possible advantage possible in the marketplace. We are here to help you build the veterinary practice that you want, whether you need funding to improve cash flow, purchase equipment, expand or renovate your office, purchase medications, food and other products, hire new staff, do marketing or other purposes.

Unlike other lenders, BFS provides personalized service to our customers, and a dedicated relationship manager will be on-hand to help you make the right decisions for your business.  We know you have many options for veterinary financing, but our focus on customer service makes BFS Capital the best choice.

Whether you are just starting a veterinary practice or have many years of experience, we have a variety of funding solutions to meet your specific needs with business financing from $5,000 to $500,000, with a very easy application process that can get the funds to qualified applicants in as soon as two business days1.

Let us help you realize the veterinary practice of your dreams. For more information, call 1-888-609-6459 or fill the form on this page.

Fast and Easy Process

Flexible Repayment

Service Excellence

Complete an Application

1. Complete an Application

Simply answer a few questions about your time in business, monthly sales and business type, and your application will be submitted for review.


2. Fast Approval

Once you fill out your application, one of our funding advisors will contact you.


3. Funds in Your Account

When approved, you’ll have the money in your hands, for any business use, in as few as 2 business days¹.

Get approved for up to $500,000 today1

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