Veterinary practice financing
Get $5,000 to $10 million to buy medical equipment, cover payroll or expand your practice, funded in as little as 24 hours.
- No collateral required
- Same-day decisions
- No hard credit pull
Simple, fast and clear.
- $5K–$10M
- Funding amounts
- 500+
- Minimum credit score
- Same day
- Decisions
- 24hours
- Fastest funding
Veterinary practice financing options at a glance.
Most clients pay at checkout, so clinics use financing to grow: new equipment, more rooms, a bigger team or a practice of their own.
Small Business Term Loans
- Best for
- Surgical suites, new kennels and exam rooms, or a second clinic across town
- Repayment term
- 6 to 48 months
- Min. credit score
- 500+
Business Line of Credit
- Best for
- Pharmacy stock, surgical supplies and technician pay, drawn as you need them
- Repayment term
- Revolving: repay and draw again
- Min. credit score
- 500+
Equipment Financing
- Best for
- Digital X-ray, ultrasound, anesthesia monitors, dental units and an in-house lab
- Repayment term
- 2 to 5 years
- Min. credit score
- 500+
Working Capital
- Best for
- An associate vet’s first months, or a bulk order of vaccines and medicines
- Repayment term
- 3 to 24 months
- Min. credit score
- 500+
Bridge Capital
- Best for
- Closing on a practice or a partner’s share while long-term financing is arranged
- Repayment term
- Weeks to months
- Min. credit score
- 500+
How veterinary practice financing works.
Most clients pay at checkout, so a busy clinic’s deposits come in steadily. The large costs come one at a time: a digital X-ray system, a new surgical suite, an associate’s first months or a partner’s share. Financing spreads each cost over time.
You apply online in minutes. Our team reviews your application and brings you the options that fit your practice: equipment financing for new equipment, a term loan for a build-out or bridge capital to close on a practice. We look at your revenue, deposits and time in business, not just your credit score.
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Equipment as collateral. With equipment financing, the equipment itself secures the financing, and the payments run over its working life. You’ll need the seller’s quote.
Pet insurance. Most pet insurers repay the client, so your clinic is paid at checkout. Where an insurer pays you directly on a large bill, you wait on the claim, and a line of credit covers that wait.
Buying a practice. When a purchase has to close before long-term financing is in place, bridge capital covers the gap, and it’s repaid once that financing arrives.
See how we stack up.
| Traditional Bank | Typical Online Lender | ||
|---|---|---|---|
| Decision speed | Same-day | 2-8 weeks | 1-3 days |
| Credit check | Soft pull only | Hard inquiry | Often a hard pull |
| Min. credit score | 500+ | 680+ | Varies |
| How they decide | Revenue + 50 factors, human review | Tax returns, financials | Algorithm only |
| Who you work with | One dedicated advisor | Loan committee | Call center or portal |
| Collateral | None required | Often required | Sometimes |
| Funding range | $5K-$10M | $50K+ minimum | Varies |
| Apply NowApplying won’t affect your credit score. |
Veterinary practice financing for every situation.
Practices use different kinds of financing, from a new machine to buying a practice.
Upgrading imaging and surgery
Digital X-ray, ultrasound or a surgical laser lets you do more tests and procedures in-house. Equipment financing pays for it over its working life.
Staffing up for demand
An associate vet or two more technicians take time to fill a schedule. Working capital covers their first months while their appointments fill up.
Buying a practice or a partner’s share. Bridge capital closes the deal while long-term financing is arranged.
What veterinarians use financing for.
Imaging and diagnostics
Digital X-ray, ultrasound and an in-house lab, for test results during the visit.
Surgery and dentistry
Anesthesia monitors, a surgical laser and a fully equipped dental station.
Pharmacy and supplies
Vaccines, medicines and supplies bought in bulk at a better price.
Payroll and hiring
An associate vet, credentialed technicians and their continuing education.
More exam rooms
A renovation that adds rooms, a separate cat ward or a calmer waiting area.
Practice expansion
A retiring owner’s practice, a second clinic or a partner’s share.
All you need to qualify.
We look at more than your credit score, including your revenue history, deposit consistency and time in business. A practice with strong cash flow may qualify even with imperfect credit.
- No collateral
- No hard credit pull
- No upfront fees
- 500+
- Minimum credit score
- 6+months
- In business
- $150K+
- Yearly revenue
- 4months
- Of bank statements
Three steps to your funding.
- 1
Apply online
Fill in our short application in a few minutes. A few basics about your business and what you need, with no stack of paperwork to get started.
- 2
Get your options
Our team reviews your application and brings you the options that fit your business. We look at revenue, deposits and time in business, not only your credit score.
- 3
Receive your funds
Once you’re approved and the documents are signed, the funds can be in your business bank account in as little as 24 hours.
Frequently asked questions.
Is Noya Funding a lender?
Noya Funding is a business funding broker. We work with a wide network of lenders: our team reviews your application, matches you with the options that fit your business and stays with you through funding.
Does applying affect my credit score?
No. There’s no hard credit pull to apply, so applying won’t affect your credit score.
Do pet insurers pay my clinic or the client?
Most pet insurance repays the client, so your clinic is paid at checkout. Some insurers can pay a clinic directly on a large bill. Then you wait for the claim, and a line of credit covers the wait.
Can I finance imaging or surgical equipment?
Yes. Equipment financing covers new and used X-ray, ultrasound, surgical, dental and lab equipment, up to 90% of its value, with the equipment itself as collateral. You’ll need the seller’s quote.
Can financing help me buy a practice?
Yes. Bridge capital covers a purchase or a partner’s buyout while long-term financing is arranged, and a term loan funds part of the price.
I let clients pay large bills over time. Does that matter?
It slows the cash coming in after a big surgery. A line of credit or working capital keeps payroll and supplies on schedule while those payments arrive.
Which states do you work in?
Every state except Texas, Virginia, Connecticut and Missouri, where we can’t take requests yet.
Ready to get funded?
Apply online in minutes. No collateral, no hard credit pull and no obligation.