Veterinary Business Loans & Vet Practice Finance

Get £3k to £300k in 24 hours*

  • Pay back through future card sales
  • Unsecured – there’s no worry
  • Same day business funding
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Quick Decision with No Obligation

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Supporting British Businesses

Flexible small business loans for vets

Looking to grow your veterinary practice? Whether you need a cash boost to help with renovations, cash flow or purchase equipment like ultrasound and x-ray machines. A small business loan for vets can give the instant working capital needed to help achieve your business plans and goals.

Works with your existing PDQ card machine

Works with your card sales

Unlock funding from £3,000 up to £300,000 against your customer card sales.

Flexible repayments - repay when you sell

Flexible repayments

Automatically repay a small percentage when customers purchase by card – There are no fixed payments.

Unsecured finance - No asset security required

No asset security required

The advance is unsecured, so your business assets are safe.

Keep 100% of cash transactions

Fast funding

A quick decision and process mean you can access your money in just 24 hours* after approval.

No hidden costs

No hidden costs

The cost of the finance is made clear to you upfront. There are no hidden costs, confusing APR’s or other nasty charges.

Apply online 24 hours a day 7 days a week

Apply online 24/7

Apply at any time - We can process your application 24 hours a day.

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Quick Decision with No Obligation

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Grow your practice with a veterinary business loan

Acquiring a vet business loan is an easy, straightforward funding opportunity thanks to a business cash advance. Unlike traditional business loans, which are usually sourced from banks, our product is only repaid on future card sales, there is no APR, and it is unsecured. If you have a slow month, then the payments are low too, and if you have a good month, the loan is being paid back quicker. It offers your practice the access to the capital it needs to grow with flexible terms, unlike any other business loan.

As a small veterinary practice, you understand the importance of animal care. It is an unfortunate truth that animal care suffers in times of economic struggle. Luckily the economic future looks a lot brighter, as should your business plans.

Business expansion has been the last thought on most people’s minds over the last few years; simply surviving has been challenging. However, as the UK begins to fight back, there is hope for our home-grown businesses. According to the Statista, there are over 4000 vet clinics in the UK and over 25,400 veterinarians. It's a key sector that we are proud to support.

If you’re looking to grow your veterinary practice business, then look no further than a business cash advance. Perhaps you’re looking to get training for your staff or invest in better quality pet care equipment, renovate your premises - whatever the reason, we can help.

At Merchant Loan Advance, we offer simple and pain-free loans designed to work with your vet business. You won’t have to fill in endless paperwork, submit business plans or wait for weeks for the funding to arrive.

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Quick Decision with No Obligation

Business Loans for Vets - A customer with dog visiting veterinary practice for a routine checkup

A vet business loan can be used for any purpose, such as:

  • Purchasing new pet care and food stock, vet tables or critical surgical equipment
  • Helping with cash flow
  • Training and recruiting new staff including surgeons, technicians, veterinary nurses and practice managers
  • Refurbishing or renovating your premises
  • Expand into pet fitness and rehabilitation such as building a canine hydrotherapy pool
  • Building a vet clinic website and e-commerce store
  • Advertising and marketing your vet practice
  • Emergency repairs and general maintenance
  • Purchasing new locations or buying-out partners

Vet business loans are essentially a form of unsecured finance that is aimed at veterinary practices to help fund business growth. A vet business loan can be used for many purposes, such as purchasing new vet equipment, renovations, hiring staff, or helping improve short term cash flow issues.

Vet business loans work differently from traditional loans. You borrow a lump sum and agree on a percentage of future card payments to pay back as you take a credit or debit transaction from a customer. This means that your loan repayments work with your business rather than against it. You can even go online to see how much of your loan you have paid off and how much you have outstanding.

As an example, a client pays a bill for treatment for their pet with their credit card. It comes to £100. An example repayment with the lender was made for 10% of each card sale you make. Therefore, the lender receives £10, and you keep the balance of £90. This is automatically taken at the point of sale - when the card transaction is made. This process is continued daily until your loan is paid off.

So, you only make repayments to the lender when you take a payment from your customer. This offers a truly flexible approach to borrowing for your business compared to a traditional bank loan where a fixed repayment is paid to the lender every month - regardless of how well your practice is doing.

Advances range from £3k up to £300k, but the amount you can borrow will be limited to your veterinary practice's average monthly card turnover.

Let's say your business turns over a combined total of £25,000 a month from card sales in-store and online. You can realistically borrow up to 100% (sometimes more depending on performance) of that amount, so £25,000 in this example.

Yes, our small business loan for vets can be used to pay your tax liabilities such as vat and corporation tax.

No, you will not be required to hand over a business plan or any financial forecasts with your application.

The money could be in your bank in as little as 7 days. So if you're looking for a quick and easy way to lend, without the hassle of traditional vet business loans from the banks or the extreme methods of other lenders, just fill out our easy online application form or contact us today!

The quick and easy application process only takes a matter of minutes and can be done online. We only ask a few questions about the nature of your business and the revenue generated from your card machine.

You can start the application here.

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Quick Decision with No Obligation

Funding Britains Small Businessses

"We have helped many veterinary practices across the UK receive funding to grow"

£20+ Million
Total Funded to Businesses

Application Approval Rate

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It's as easy as 1-2-3!

The process is fast, simple and straightforward. It's hassle-free, meaning there's no complicated paperwork to complete so you can focus on growing your business.

Step 1 - Apply online in minutes


Apply online in minutes

Apply online for a cash advance from £3,000 up to £300,000 for any business purpose.

Step 2 - Get funded in 24 hours


Get funded in 24 hours*

The merchant cash advance can be with you in as little as 24 hours* after approval.

Step 3 - Pay back only when you sell to your customers


Repay only when you sell

You simply pay back a small percentage of your future card sales as they happen. You only repay when you sell.

Apply Now

Quick Decision with No Obligation

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