Medical equipment & tech
Access X-ray and ultrasound machines, lab equipment, or practice management software, and deliver top-notch care without depleting your reserves.
Veterinary business loans
Invest in your clinic’s future with confidence. Our vet business loans give you the flexibility to grow, improve operations, and help more pets get the care they deserve.
Requesting a quote has no impact on your Credit Score.
Common financing needs for veterinary practices
Veterinary clinics often face a mix of ongoing expenses and big-ticket investments.
Clinic renovations & upgrades
Fund reception remodels, surgery room upgrades, boarding facility expansions, or compliance-related improvements so your clinic grows and operates efficiently.
Staffing & training
Hire more veterinarians, vet nurses, or administrative staff, or fund specialist training and certifications to upskill your team.
Inventory & supplies
From vaccines and medicines to pet food and surgical tools, keep your inventory stocked with all the supplies your clinic needs to meet patient demand.
Everyday operations
Smooth over cash flow gaps during slower months or unexpected costs, and keep your clinic running without disruption no matter how busy or quiet it gets.
Mobile service vehicles
Buy or upgrade mobile service vans to ensure safe transport for pets, equipment, and staff while giving your clinic the flexibility to reach more clients.
Finance solutions built for veterinarians
Equipment finance
Spread the cost of major equipment and tech over time and keep your finances predictable while investing in long-term growth.
Learn More
Business vehicle loan
Finance vans or specialty vehicles to jump on new opportunities, improve service efficiency, and grow your practice.
Learn More
Business line of credit
Get instant access to funds for unexpected expenses or seasonal swings, keeping your cash flow steady and your operations smooth.
Learn More
Business term loans
Take advantage of opportunities, manage cash flow, or cover essential costs quickly – no collateral needed.
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Business acquisition loan
Acquire an existing clinic or partnership stake, and access capital to expand your business footprint without compromising cash flow.
Learn More
Requesting a quote has no impact on your Credit Score.
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How to apply for a veterinary business loan
STEP 1: GET A QUOTE
Tell us about your business loan needs and immediately receive quotes from over 90+ bank and non-bank lenders.
STEP 2: GET APPROVED
Confirm your quote and we handle your business loan approval so you can focus on what matters—your business.
STEP 3: GET FUNDED
Sign your finance documentation and receive funding. It is that simple.
Get a quote
Requesting a quote has no impact on your credit score.
Why choose Valiant
ONE APPLICATION TO 90+ LENDERS
We simplify business finance by handling the hard work. Complete a quick form or speak with a specialist, and we’ll match you with the right solution from 90+ lenders—often within 24 hours.
PERSONALISED SUPPORT
Our expert brokers cover all areas of commercial finance. From your first quote to settlement and beyond, you’ll have a dedicated broker by your side—ready to support your funding needs now and in the future.
BUILT FOR AUSTRALIAN SMEs
Since 2015, we’ve helped over 30,000 Australian SMEs across every industry access $3 billion in funding—supporting them through challenges and unlocking new opportunities.
FAQ's
How much can I borrow for my veterinary practice?
The amount you can borrow depends on factors like your clinic’s revenue, time in business, and the finance type you're after. For reference, business term loans can go up to $500,000 and secured loans up to $1,000,000+. Your lender can give you a specific figure based on your current financials and goals.
Can new or recently opened veterinary clinics apply for a loan?
Yes! Many lenders, especially alternative lenders, work with newer clinics and offer more flexible criteria. Eligibility often depends on your business plan, projected cash flow, and personal credit history.
Do I need to provide collateral for a veterinary practice loan?
It depends on the loan type. Unsecured loans don’t require collateral and are best for immediate or short-term needs. Secured loans, on the other hand, might ask for assets like property, vehicles, or equipment and are better suited for larger, long-term investments.
How quickly can veterinary practices access funding?
Timelines vary from lender to lender (and loan to loan). At Valiant, you can receive funding in as little as 24 hours, so your clinic can cover urgent needs or seize growth opportunities quickly.
Can I use a loan to buy an existing veterinary practice?
Absolutely. With a business acquisition loans, you can buy an existing clinic, take over a partnership stake, or merge practices. They provide the capital to grow strategically without draining your cash flow.
What documents do I need to apply for a veterinary business loan?
Different lenders require different documentation. That said, typical paperwork includes proof of ID, bank statements, tax and cash flow statements, and any relevant quotes or agreements for assets or acquisitions.
Can I repay my loan early without penalties?
Many lenders allow early repayment, which can save you interest. Some loans may have extra fees, so it’s always best to check the terms before committing.
What factors affect the interest rate on a veterinary business loan?
Interest rates are influenced by factors like the loan type and amount, your business’s financial health, time trading, and whether the loan is secured. Strong financials and a clear plan for the funds can often help secure more favourable rates.
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