Capital for veterinary practice owners — Vet Capital
Veterinary owners and associates can compare lender matches for acquisitions, equipment, expansion, and refinance options.
Soft inquiry first. No obligation.
4.9 Excellent · 3,200+ reviews via Big Think Capital- SDE add-back
- associate buy-in
- practice goodwill
- aging A/R
- production pay
- equipment term
- debt service
- seller note
Financial services and lending guidance for veterinary practice owners
From acquisition notes to ultrasound carts, we route veterinary borrowers to lenders that know practice cash flow, collateral, and closing timing.
- ACQUIRE Practice buyouts Fund buy-ins, partner exits, and seller-note structures.
- EQUIP Clinical equipment Buy dental, imaging, and monitoring gear without draining cash.
- EXPAND Clinic buildouts Cover rooms, leases, and tenant improvements for growth.
- REALTY Practice real estate Finance a clinic purchase or refinance owner-occupied space.
- 1 soft pull Initial check
- 24-48 hrs Typical match time
- $50K-$5M Common request size
What business owners say
4.9-
This company was lightning fast and the experience was amazing. Thank you, Dan — you're a real pro!
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Good service Joseph Krajewski is the best agent ever. He provided excellent service. I strongly recommend working with him if you have the opportunity.
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They gave me a chance when nobody else would. I'm very satisfied.
How veterinary deals get matched
One intake is enough to compare lenders that work with practice owners, associates, and clinic groups. We keep the review soft until you pick a path.
Vet file fit
- Built for practice cash flow, goodwill, and partner buyouts
- Underwriters who see DVM income and clinic P&Ls often
Soft-start review
- First pass uses a soft inquiry
- No hard pull until you move forward
One intake
- Share data once instead of repeating it to each lender
- Keeps acquisition, equipment, and refi files moving
Why banks say no first
Veterinary income can be strong, but the file is often specialized. We match the deal to lenders that already underwrite this niche.
High income, thin time
Veterinary owners often have strong income but little time to package tax returns, add-backs, and entity records.
Practice math is niche
Goodwill, seller notes, and associate buy-ins do not fit every small-business model.
Bank timing is slower
Buildouts, equipment orders, and closing dates can move faster than a bank committee.
Illustrative funding paths we see
These are illustrative composites, not real customers. They show the size, timing, and use cases lenders often see in veterinary files.
Multi-doctor owner
Bought out a retiring partner and refinanced old equipment debt
ER associate
Added ultrasound, dental, and monitoring gear for a new room
Clinic group owner
Built two exam rooms and upgraded HVAC for a second location
Associate vet
Refinanced student debt and a car loan after joining a practice
Personal and practice credit options
If you also need a mortgage, student-loan refi, or a business line, we can surface related lender coverage without restarting the search.