Veterinary Practice Loans

Borrow

from

£10,000

£5m.

Rates from

7%
£0 Deposit
Same Day Finance Available

Apply Now

At Union Business Finance, we understand that running a veterinary practice is about more than just providing outstanding animal care.

It’s also about making the right financial decisions to enable your business to grow whilst also remaining competitive, and keeping treatments affordable for pet owners.

Our range of veterinary practice financing options are designed specifically for veterinarians and practice owners who need flexible funding solutions. Regardless of whether you’re looking to expand your practice, invest in new operating equipment, manage cash flow, or refinance existing loans, we’ll have a solution which is right for you.

Our Vet Practice Finance Options

Asset Finance

We understand that essential practice items such as digital x-ray systems, surgical tables, and anaesthetic machines, can all come at a high price. Our veterinary asset finance solutions let you spread payments over the useful life of the equipment, preserving working capital and keeping your practice running at the top of its game. We’ll get to know your needs to offer the most favourable solution, such as hire purchase (HP) or lease financing.

Explore Asset Finance

Business Loans

For veterinary practices, there’s an added pressure to quickly manage changes in demand. At Union Business Finance, our bespoke business loans can help you plan for all eventualities, allowing you to thrive where others may struggle. With access to over 100+ lenders, we can arrange a business loan that is best for you; from short-term loans to commercial bridging finance.

Explore Business Loans

Fit-Out Finance

Our fit-out finance allows you to renovate dated treatment rooms and waiting areas, providing visitors and their pets a more welcoming, comfortable and calming environment without draining your cash reserve. Repayable over a term that suits your budget, our fit-out finance solutions deliver immediate impact, from improvements for client experience, to brand perception, staff satisfaction, security, hygiene management and more.

Explore Fit-Out Finance

Acquisition Finance

Our finance brokers can help you secure capital to purchase an existing veterinary practice, allowing you to drive strategic growth and expand your operations. Through Union Business Finance, you can manage the acquisition process without overstretching your finances, benefitting from rates as low as 7%.

Explore Acquisition Finance

Start-Up Finance

The veterinary industry is constantly in demand, so beginning a new business venture in this field is a profitable prospect. To get you off the ground, our start-up finance for veterinary businesses can support you in paying supplier invoices and initial equipment purchases, letting you focus on building a positive reputation within the industry. To discuss your eligibility, please get in touch with us.

Benefits of Our Veterinary Practice Finance

Our range of finance solutions for vet-based businesses can allow you to:

Stay competitive in a popular and profitable industry.
Access high-cost vet-specific equipment to improve your daily operations.
Hire talented and experienced veterinary staff, increasing the level of care you provide.
Swiftly and predictably finance practice expansions or acquisitions.
Spread the costs over time to protect your working capital.
Tailor repayments to your practice’s fluctuating cash flow cycles
Refinance higher-cost liabilities into a single, more manageable facility.

How it works

Consulting

Let’s talk about where your business is, and where you want it to be.

Pre-underwriting

Send us your supporting financials for us to review, and we’ll get a proposal sent for credit approval.

Paying Out Funds

72 hours later, once approved, and signed on the dotted line, funds will be released.

Eligibility requirements

Your eligibility relies on the type of veterinary finance you choose and your practice’s structure.

Typical lending criteria

New Veterinary Startups:

Cashflow Forecast or Business Plan
Homeowner
Good to Average Credit Rating
Ability to demonstrate affordability cashflow

Established Veterinary Practices:

At least Two Years Trading History From An Established Company
Profitable Accounts
Homeowner or tenant
Good Business / Personal Credit / Good Delphi score
No default payments

Should you fulfil the above, we are confident we can take your business to the next level

Get started

Why Union Business Finance?

At Union Business Finance, we understand the importance of veterinary clinics and appreciate the challenges professionals in this industry face. Therefore, each of our finance solutions is designed to push you closer to achieving your business aspirations, delivering a standard of pet care that you’re truly proud of.

No matter what funding your vet clinic needs, we’re here to provide the support and expertise required to help you succeed; all while building a strong, open, and lasting relationship with you.

We Offer:

Access to a portfolio of funding options from 100+ lenders.
More than 10 years of experience.
Loans from

£10,000

to over

£5m.
5* service every time.
Interest rates from as low as

7%

Our Service Is Always:

Transparent - Understanding your business's values & providing you with the knowledge you need to make the right decision for you.
Ethical - We always have the client's best interests in mind.
Personable - We focus on building relationships with our clients that are reliable & honest.

Our team brings a wide range of experience, thorough knowledge & understanding of the financial climate to help you find the best funding solutions.

Ready to get started? Let’s do it!

Contact us using the form below

Learn more about how Union Business Finance could help you secure the right funding for your business.

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FAQs

Do I have to be an established business to apply?

Although we prefer to work with established businesses, we do offer start-up finance for UK-based businesses with strong business plans. This can help you kickstart your veterinary business venture and stamp your mark in a growing industry.

Do you have to be a vet to open a vet clinic?

No, you don’t need to be a vet yourself to open a veterinary clinic. While you need to employ qualified vets to provide animal care, you can own and operate the practice itself, much like any other company.

What can I use veterinary practice finance for?

Our finance solutions are suitable for a range of different purposes, including:

Equipment, such as anaesthetic machinery, surgery lighting, or imaging devices.
Practice space, such as purchasing or fitting out an existing clinic.
Daily supplies, such as pharmaceuticals, gloves, and syringes.
Operation costs, such as insurance and utilities.

How long does the application process take?

Typically, applying for our finance solutions depends on:

The type of finance you’re hoping to acquire.
How responsive you are to the lender’s enquiries.
Whether you’ve provided all the necessary documents.

For example, we can offer same-day finance for our quick business loans, but long-term finance solutions like commercial bridging loans may take around 4 to 6 weeks to arrange.

What documents are required to apply?

To access our bespoke veterinary practice funding, you’ll typically be asked to provide the following:

Business Plan: Outline your business and how the loan will be used.
Financial Statements: Income statements, balance sheets, and cash flow statements.
Tax Returns: Personal and business tax returns for the past few years.
Bank Statements: Recent bank statements.
Legal Documents: Business licences, registrations, and ownership agreements.

What if I have an existing loan - can I still apply for more finance?

Yes, having an existing loan won’t automatically rule you out. When you apply for additional funding, we’ll review your current debt commitments alongside your clinic’s revenue and cash-flow projections. This helps us ensure that you can comfortably service both your new and existing facilities, and we may even be able to roll your existing finance into a larger package.

Give us a call on 01442 617 799
or ping us an email: This email address is being protected from spambots. You need JavaScript enabled to view it.