How we picked
Filtered to lenders with documented veterinary-practice programs or DVM-specialty underwriting. SBA and healthcare-specialty lenders ranked first because their pricing materially beats generalist MCA when the practice can wait. Generalist alt-fin included for fast working capital and credit-recovering operators.
Top picks at a glance
| Lender | Best for | Amount | Speed | Min credit | Action |
|---|---|---|---|---|---|
| Lendeavor (Provide) | Best for veterinary practice acquisition | $25,000 – $5,000,000 | Funding in 5 – 20 days | 650+ | Apply → |
| Bankers Healthcare Group (BHG) | Best unsecured working capital for established vets (700+ credit) | $20,000 – $500,000+ | Funding in 3 – 7 business days | 700+ typical for best terms | Apply → |
| Live Oak Bank | Best SBA 7(a) for vet expansion / multi-location | $25,000 – $25,000,000+ | 30 – 90 days underwriting (SBA standard) | 680+ typical | Apply → |
| Beacon Funding | Best for veterinary specialty equipment | $5,000 – $1,000,000 | Funding in 1 – 5 business days | 550+ | Apply → |
| Credibly | Best fast working capital for established vet practices | $5K – $600K | As fast as 4 hours | 550+ | Apply → |
| Square Capital | Best for Square-using vet clinics | $300 – $250,000 | Funds as soon as next business day | No FICO pull — Square underwrites entirely against your Square sales history | Apply → |
Advertiser disclosure: Fundnode may earn referral fees from funders listed on this page when you apply through us. This does not affect editorial rankings — see our methodology.
Detailed reviews — our 6 picks
#1 · Best for veterinary practice acquisition
Lendeavor (Provide)
Max amount
$5,000,000
Cost
APR 6 – 14% (practice acquisition)
Speed
Funding in 5 – 20 days
Min credit
650+
Why we picked it
Specialized in veterinary practice acquisition with DVM-credentialed underwriting. APR 6-14% on acquisitions — dramatically cheaper than generalist alternatives. Faster decision than SBA (5-20 days vs 60-90). Best when buying an existing practice or partnership buy-in.
The strength
Specialized in dental and veterinary practice financing — practice acquisition, equipment, working capital, real estate. Now operating as 'Provide.' Doctor-specific underwriting models. Faster than SBA for similar use cases.
The watch-out
Dental/vet-only — not for other healthcare verticals. Best terms require professional credentials (DDS, DMD, DVM) and clean credit.
Qualifications
12 months
$10,000+
650+
#2 · Best unsecured working capital for established vets (700+ credit)
Bankers Healthcare Group (BHG)
Max amount
$500,000+
Cost
Term loan APR 12 – 22%
Speed
Funding in 3 – 7 business days
Min credit
700+ typical for best terms
Why we picked it
Specialized in DVM, DDS, MD, PA financing. $20B+ deployed across healthcare. Unsecured term loans up to $500K at 12-22% APR. No collateral lien on practice equipment — useful when you want to preserve equipment as collateral for future financing.
The strength
Specialized in healthcare practitioners — MDs, dentists, veterinarians, PAs, pharmacists. Faster underwriting than SBA with practice-specific risk models. Unsecured options available up to $500K. $20B+ in funding across healthcare professionals.
The watch-out
Healthcare-only — not for other industries. Best rates require excellent credit (700+). Sales process can be aggressive — multiple follow-up calls common.
Qualifications
24 months
$15,000+
700+ typical for best terms
#3 · Best SBA 7(a) for vet expansion / multi-location
Live Oak Bank
Max amount
$25,000,000+
Cost
SBA 7(a) APR prime + 2.75% to 4.75%
Speed
30 – 90 days underwriting (SBA standard)
Min credit
680+ typical
Why we picked it
#1 SBA 7(a) lender with a dedicated veterinary team. Up to $5M for practice acquisition, real estate, or additional locations. SBA pricing (prime + 2.75-4.75%) is the cheapest capital available. 60-90 day timeline but worth it for the APR savings on deals over $250K.
The strength
Largest SBA 7(a) lender in the US by dollar volume for 7+ consecutive years. Industry-specialty teams (veterinary, dental, funeral homes, self-storage, agriculture, hotels). Deep understanding of niche-vertical underwriting. Dramatically cheaper than MCA for qualifying merchants.
The watch-out
Long underwriting timeline (45-90 days typical). Requires strong credit (680+), 2+ years operating, clean financials. Industries outside their specialty get less attention.
Qualifications
24 months
$20,000+
680+ typical
#4 · Best for veterinary specialty equipment
Beacon Funding
Max amount
$1,000,000
Cost
APR 8 – 25%
Speed
Funding in 1 – 5 business days
Min credit
550+
Why we picked it
Will finance digital radiography, ultrasound, surgical lasers, dental units, and autoclave systems other equipment lenders decline. 550+ credit acceptable. Equipment-secured structure preserves your working-capital lines for other needs.
The strength
Equipment financing with broader industry acceptance than larger competitors. Will fund specialty equipment (food trucks, photography gear, fitness equipment, salon equipment). Lower credit threshold (550+).
The watch-out
Higher rates than bank equipment financing for prime credit. Smaller deal cap. Industry specialization can mean less depth in any single vertical.
Qualifications
12 months
$10,000+
550+
#5 · Best fast working capital for established vet practices
Credibly
Max amount
$600K
Cost
Factor 1.11+ (MCA)
Speed
As fast as 4 hours
Min credit
550+
Why we picked it
550+ credit, 6+ months TIB, $15K+/mo revenue. Multi-product (MCA + LOC + term) covers emergency equipment repair, payroll bridges, or marketing pushes. 24-48 hour funding when speed matters more than APR.
The strength
March 2026 API V2 + Cloudsquare integration — most modern submission UX in MCA. $3B+ deployed, 60K+ SMBs. Publishes factor rates honestly (starting 1.11 for A-paper).
The watch-out
The 1.11 headline is the A-paper floor; average factor is closer to 1.32. ISO commission terms aren't public.
Qualifications
6 months
$15,000
550+
#6 · Best for Square-using vet clinics
Square Capital
Max amount
$250,000
Cost
Single fixed fee (typically 10 – 16% of loan amount)
Speed
Funds as soon as next business day
Min credit
No FICO pull — Square underwrites entirely against your Square sales history
Why we picked it
Many small vet clinics use Square for client payments. Pre-qualified offers in the Square dashboard. No FICO check. Single fee structure (5-14%) priced off your Square processing volume — no application required.
The strength
Most merchant-friendly headline structure in the industry: one fixed fee, no APR equivalents, no daily/weekly debits — repayment is a flat percentage of daily Square card sales until paid off. Eligibility check appears in your Square dashboard with no application. Approval typically arrives in minutes.
The watch-out
Square chooses who they offer to — you can't apply if Square doesn't surface an offer. Loan amount usually caps at ~1.4× monthly Square sales. The single fixed fee on a 9-month payback typically works out to 30–60% APR-equivalent, similar to mid-tier MCA. Only available to active Square sellers — if you stop processing, repayment converts to fixed daily debits.
Qualifications
12 months
$10,000+ in Square card sales typical floor for meaningful offers
No FICO pull — Square underwrites entirely against your Square sales history
Frequently asked questions
- What's the best loan for buying a veterinary practice?
- Lendeavor (Provide) for fast DVM-specific underwriting on practices $300K-$2M. Live Oak Bank SBA 7(a) for the lowest APR if you can wait 60-90 days. Typical vet acquisitions $400K-$1.5M financed at 6-12% APR with these specialists vs 15-25% with generalist alt-fin.
- Can a new DVM with no practice history get financing?
- Yes — Lendeavor and BHG both specifically underwrite newly-licensed veterinarians. The DVM credential + projected practice cash flow + personal credit matter more than business history. Typical first-time loan: $50K-$300K for equipment, build-out, and working capital.
- How do I finance a $75K ultrasound or digital X-ray?
- Beacon Funding or Currency Capital for equipment-secured financing (APR 8-22%, equipment serves as collateral). Cheaper than MCA equivalent. Section 179 deduction usually applies — talk to your CPA before year-end.
- Will MCA funders work with veterinary practices?
- Yes — Credibly, OnDeck, and Greenbox regularly fund vet practices. The card-heavy client revenue and stable demand profile make for solid underwriting. But for any capital need over $100K, SBA via Live Oak is almost always materially cheaper if you qualify and can wait 60-90 days.
Related reading
- Best medical practice funding 2026
- How to qualify for an MCA in 2026
- The full 2026 ranking — 100 funders
Methodology
How we chose
Ranking criteria
- Use-case fit — funder must qualify the merchant profile this page targets (credit, time-in-business, revenue, industry).
- Pricing transparency — published factor-rate or APR-equivalent disclosure outweighs marketing-only quotes.
- Speed-to-fund — verified time from signed contract to ACH deposit, not 'as fast as' marketing claims.
- Contract terms — daily/weekly debit structure, prepayment treatment, COJ / personal guarantee posture.
- Customer-experience signals — BBB profile, Trustpilot, ISO chatter, and direct merchant feedback collected via Fundnode applications.
Sources consulted
- Funder-published rate cards, contract templates, and disclosure pages (refreshed quarterly).
- Public regulatory filings — California DFPI commercial-financing disclosures, New York commercial-financing disclosure law filings.
- Direct merchant feedback collected through Fundnode's /qualify funnel (n > 200 since 2026-01).
- ISO desk operator interviews — anonymized commentary on approval patterns and stipulations.
Update cadence
Reviewed quarterly. Last updated 2026-06-24.
Conflict of interest
Fundnode may earn referral fees from funders listed on this page when merchants apply through us. Rankings are editorial and independent of fee economics — funders cannot pay for placement.