equipment financing for veterinary practices
Equipment Financing for Veterinary Practices businesses. Built for veterinary practices cash flow.
Finance the trucks, machines, refrigeration, diagnostic gear, or production equipment your business runs on. The equipment itself serves as collateral, which unlocks longer terms and lower rates than unsecured working capital.
- Max funding
- $1M
- Term
- 2–7 years
- Time to fund
- 24 hours
- Min FICO
- 500+
The short answer
Is Equipment the right fit for Veterinary Practices businesses?
Finance digital X-ray, ultrasound, in-house blood analyzers, and surgical equipment with the equipment as collateral.
Last updated 2026-06-24
Why this fit
Common cash-flow gaps in veterinary practices. Equipment Financing maps to the ones below.
These are the underwriting realities and operational pressures we see most often in this industry.
Diagnostic Imaging Upgrades
Digital radiography and in-house ultrasound can cost $40K–$120K per system. Most banks won't finance under 2 years of tax returns, we finance against clinic revenue.
Associate Veterinarian Hire
Attracting a second DVM requires signing-bonus capital and space improvements. Working capital funds both without disrupting clinic operations.
Practice Acquisition
Buying out a retiring vet requires capital that banks take 60–90 days to commit. Bridge financing secures the LOI while SBA paperwork works through the system.
Representative scenario
What a typical veterinary practices equipment financing looks like. Numbers below are illustrative.
Your actual offer depends on your bank statement history, time in business, credit profile, and existing debt.
Rates vary by applicant. Representative example only.
Qualification
What we look for in veterinary practices files. Underwriting, in plain language.
- Minimum 1 year operating as a licensed veterinary practice
- $20,000+ monthly revenue
- 500+ personal credit score
- Valid DVM license for at least one practice owner
Other ICG products for veterinary practices
Not the right fit? Here is what else works in your industry.
Common questions
Equipment Financing for veterinary practices. Honest answers, no fine print games.
QDo you fund mobile veterinary practices?
Yes. Mobile and house-call practices with consistent deposits qualify. A registered vehicle and state license are required.
QCan I finance a surgical laser?
Yes. Surgical lasers, dental units, and in-house analyzers are all financeable equipment with the unit as collateral.
QWill taking funding affect my AAHA accreditation?
No. Practice financing is a business operations decision, not a clinical-standards decision. Accreditation is unaffected.
QDo I have to buy the equipment from a specific dealer?
No. ICG finances equipment from any reputable dealer, auction, or private seller with a documented invoice or appraisal. New and used equipment both qualify.
QIs a down payment required?
Typically 0–20% down, depending on the equipment type, age, and your credit profile. Many applicants qualify for $0-down financing on new equipment.
QCan I finance used equipment?
Yes. Used equipment under 10 years old with documented hours or mileage is routinely approved. An appraisal may be required for specialty items.
Equipment Financing for other industries
Where else this works. One product, many verticals.
Ready when you are
Ready to fund your veterinary practices business? 24 hours to fund.
Quick application. Soft credit pull only. Real human review.