Veterinary Practice Financing


We Provide Loan Options for Veterinariansveterinarian examining husky dog

Veterinarians have unique lending needs. No one understands this more than MedTrust. That’s why we’ve created the most comprehensive veterinary financing options to be found anywhere. Achieving success in the vet business takes hard work. We want to help you with the heavy lifting by creating a customized financing package that meets your individual needs.

Zero Down Financing for Veterinarians

You read that right. If so needed, we can provide zero-down loans to get your veterinary business the boost it needs. We’ll take a comprehensive look at your financial situation and then structure a financial solution that is customized just for your practice.

Loans are typically available within 45 days and can be used for a variety of business-related issues.

Working Capital Loans for Veterinarians

MedTrust is capable of providing working capital loans of up to $2,000,000 for veterinarians.

Typical uses of a working capital loan include:

  • Marketing
  • Cash flow coverage during a seasonal downturn in business
  • Taxes
  • Investment
  • Hiring new employee(s)
  • Personal debt
  • Divorce settlement

Our best DVM finance program offers a variable rate ranging from Prime minus 1% up to Prime plus 2% with Interest Only payments. Our other program rates run higher depending upon qualifications and are fixed payments for 6 or 7 years. Terms and rates vary based on factors such as income, assets, and the goal of the working capital. Other factors include the financial strength of the borrower/practice and their credit history. Payments may be deferred for 90 days. Our Working Capital program in conjunction with other financing on a larger project. For example, we often provide Real Estate financing or Equipment Leasing and Working Capital loans for a project, which allows for a zero down payment. Unlike other veterinary lenders in the industry, MedTrust Capital delivers a financing package that is designed for the specific project, whether it’s one loan or a combination of loans.

Zero-Down Commercial Real Estate Loans for Veterinarians

Just like our Practice loans, we offer zero-down commercial real estate loans. If your vet practice will occupy at least 51% of the building and have the appropriate credit you may qualify. Amounts from $5,000 to $20 million are available, with no call provisions or balloon payments. We can make these types of loans because we’re not bound by strict guidelines, low Loan-to-Value ratios, or bureaucratic issues. Our goal is to offer flexible solutions that cater to you and your goal of building a successful veterinary practice.

Veterinary Practice Debt Consolidation

Does your practice need help with debt consolidation? We have helped many veterinarians get out of debt and grow their business with our specialized debt reduction/consolidation programs. An appropriately designed loan can save you thousands of dollars a month and dramatically increase your cash flow. Your existing loan structure will be analyzed, and together we’ll determine whether or not it makes sense for you to refinance into one manageable payment. We can also assist you with your adjustable-rate SBA loans by moving them to a fixed-rate. Terms are even available for up to 15-years.

Meet MedTrust

MedTrust Capital Group finances healthcare practices.

We’re here for your financial success. 

We’re not like other lenders, because we’re not a bank.

We only provide comprehensive financing in the healthcare space. 

This means financing for buying and selling practices, refinancing, real estate, working capital and more. Our method is a personal, boutique-style service that utilizes innovative financing strategies. Our goal is to help build your wealth.

Why You Need Veterinary Practice Financing From MedTrust

Starting a Veterinary Practice

The thought of starting your own veterinary practice should be an exciting prospect. But oftentimes the costs can be overwhelming. Equipment, location leasing or purchase, supplies, furniture, marketing, and staffing costs add up quickly. MedTrust will assess your needs and determine what time of financing makes the most sense for you and your new practice.

We offer the choice of conventional, portfolio, SBA, and non-traditional financing. If you’re considering the purchase of a building, 25-30-year financing terms are available on real estate financing when done in conjunction with your new practice.

Buying a Veterinary Practice

Purchasing an existing veterinary practice can in many instances be a fantastic investment. You get a built-in staff, patient-base and equipment, all of which make for a considerably more stable venture. However, these perks usually come with a higher price tag.  MedTrust will help you by securing the necessary financing in order to make the transition to your new practice seamless. We offer terms of up to 15 years and can hold the loan approval for up to one year while the final details are worked out with the former owner.

Veterinary Practice Expansion, Remodel, and Relocation Loans

Whether you’re relocating, remodeling or are expanding from one office to two (or twelve,) MedTrust Capital can be your partner in securing the financing to grow. Rates and terms will vary depending on the size and scope of the loan, but 100% financing is possible. 

Talk to a Veterinary Loan Expert Today

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