Veterinary Practice Loans

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.

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.

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.

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.

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.

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.