Diagnostic imaging and surgical equipment
Fund ultrasound, digital radiography, anaesthesia machines and theatre equipment over their working life.
Veterinary sector finance
Veterinary practice finance and vet practice loans
Independent vets are competing with well-capitalised groups while running on tight margins. We arrange funding for the kit, the team and the everyday cashflow that keeps a small animal, mixed or equine practice moving.
Facilities from £5,000 to £250,000+ over 3 to 72 months. No upfront fees — we are paid by the lender.
FCA Regulated · FRN 1000382
Trusted by UK professional practices
Specialist lender panel
Independent brokerage
What we fund
How we fund veterinary practices
Practical, everyday funding — not complicated structures. If it keeps the practice running or helps it grow, there is usually a lender for it.
Refurbishment and refits
Cover consult room expansion, kennelling, isolation facilities and practice refits.
Hiring vets and nurses
Fund recruitment costs and the period before a new clinician builds a caseload.
VAT, tax and HMRC bills
Spread the practice's tax liabilities monthly rather than paying them in a single hit.
Locum cover finance
Bridge the cost of locum cover during maternity, illness or an unexpected departure.
Working capital and lines of credit
A standby facility for quiet months and unplanned costs.
Why Practice Capital
Where the high street stops, we start
Veterinary practices sit awkwardly with mainstream banks: high equipment costs, variable margins and a consolidating market. The specialist lenders we work with understand the sector and are comfortable with independents.
- Specialist lender panel
- A quick, personal response from your specialist broker
- We work in the second string, behind the banks — not just A+ credit
- FCA regulated credit broker, FRN 1000382
- No upfront fees — the lender pays our commission
Typical scenarios
What veterinary clients come to us for
Illustrative examples of the kinds of requirements we handle. Full case studies coming soon.
Imaging upgrade
A small animal practice replaced ageing radiography equipment on a five-year asset facility.
Second branch fit-out
A two-vet practice funded the fit-out and first months of running costs at a second site.
Locum cover gap
A mixed practice funded six months of locum cover after an unexpected departure.
FAQs
Veterinary finance questions, answered
- Can an independent vet practice get finance to compete with the groups?
- Yes. Independents can access equipment finance, working capital and growth funding on competitive terms — often faster than a corporate group can move internally.
- Is veterinary equipment funded differently from working capital?
- Usually. Equipment is typically funded on asset finance over three to seven years, while working capital sits on a shorter unsecured facility. Both can run alongside each other.
- How much can a veterinary practice borrow?
- Facilities generally range from £5,000 to £250,000 and above, over three to seventy-two months, depending on turnover and purpose.
- Do you work with equine and farm practices?
- Yes — small animal, mixed, equine and farm practices are all sectors we arrange funding for.
Other sectors we fund
Next step
Find out what your veterinary practice could raise
A short enquiry, an honest answer and a quick response from your specialist broker. No obligation and no upfront fees.