Health & Medical · lender intelligence

Financing a veterinary services acquisition

State:

The SBA 7(a) lenders funding the most veterinary services acquisitions, ranked from public loan records — typical deal about $1.4M. A lender doing your industry every week underwrites faster and prices sharper.

Deal economics— what it takes to buy & finance veterinary services

$821K

Typical loan

range $407K–$1.50M

$912K

Est. purchase price

≈ loan ÷ 90%

$125,088

Cash to close

$91,222 down + fees

$10,624/mo

Typical payment

~9.5% · 10yr

$146,611/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

100.0%

Still performing

0% default · FY20–23

21 days

Typical time to fund

Lenders competing

more = leverage

6.14%

Avg rate on record

cap ~9.75%

Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.

Most active in veterinary services

Ranked by funded veterinary services acquisitions. Tap a lender to open its full record, or hit Get in touch for an introduction.

1.1,296 loans · $1.4B · Wilmington, NCFull record →
2.19 loans · $5M · Bessemer, ALFull record →
3.36 loans · $46M · Los Angeles, CAFull record →
4.66 loans · $68M · Milford, IAFull record →
5.284 loans · $254M · Cincinnati, OHFull record →
6.2,539 loans · $965M · Columbus, OHFull record →
7.23 loans · $30M · Stuart, FLFull record →
8.31 loans · $39M · Conshohocken, PAFull record →
9.41 loans · $21M · Wichita, KSFull record →
10.62 loans · $34M · Winter Haven, FLFull record →
11.1,927 loans · $207M · Buffalo, NYFull record →
12.16 loans · $7M · Norwich, NYFull record →
13.4 loans · $2M · Dallas, TXFull record →
14.11 loans · $8M · Redwood Falls, MNFull record →
15.196 loans · $21M · Boston, MAFull record →
16.36 loans · $51M · Carmel, INFull record →
17.6 loans · $6M · Conway, ARFull record →
18.62 loans · $26M · Oklahoma City, OKFull record →
19.30 loans · $24M · Kansas City, MOFull record →
20.15 loans · $4M · Waverly, NEFull record →
21.29 loans · $28M · Quincy, CAFull record →
22.6 loans · $6M · Wellsville, MOFull record →
23.128 loans · $40M · Wilmington, DEFull record →
24.34 loans · $57M · Charlotte, NCFull record →
25.7 loans · $3M · Humble, TXFull record →

144+ funded veterinary services deals

Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.

Willow Grace Veterinary Hospital Smyrna LLC in Smyrna, DE — $2.8M (2026) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
6.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$2.1M (75%)
Approved
1/16/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
26
Business age
Change of Ownership
Industry
Veterinary Services
If you were the buyer here
Est. deal size
$3.1M
Est. down payment (10%)
$306K
Est. cash at closing
$422K
Monthly payment
$31,577
Annual debt service
$379K
Cash flow needed (1.25×)
$474K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
FDFMF Holdings LLC in Baton Rouge, LA — $2.4M (2026) · purchase · Seacoast National Bank
Program
Preferred Lenders Program
Rate at approval
8.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.8M (75%)
Approval → funding
22 days
Approved
1/7/2026
First disbursed
1/29/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
10
Business age
Change of Ownership
Industry
Veterinary Services
If you were the buyer here
Est. deal size
$2.7M
Est. down payment (10%)
$268K
Est. cash at closing
$369K
Monthly payment
$29,868
Annual debt service
$358K
Cash flow needed (1.25×)
$448K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Seacoast National Bank · Lender record →
Your business? Claim this record · Request removal
South Lake Animal Hospital LLC in Clermont, FL — $2.2M (2026) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.6M (75%)
Approval → funding
8 days
Approved
2/12/2026
First disbursed
2/20/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
12
Business age
Change of Ownership
Industry
Veterinary Services
If you were the buyer here
Est. deal size
$2.4M
Est. down payment (10%)
$242K
Est. cash at closing
$333K
Monthly payment
$17,172
Annual debt service
$206K
Cash flow needed (1.25×)
$258K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Soto Veterinary Corp in Pembroke Pines, FL — $1.4M (2026) · purchase · The Fidelity Bank
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.1M (75%)
Approval → funding
32 days
Approved
1/26/2026
First disbursed
2/27/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
4
Business age
Change of Ownership
Industry
Veterinary Services
If you were the buyer here
Est. deal size
$1.6M
Est. down payment (10%)
$156K
Est. cash at closing
$213K
Monthly payment
$17,925
Annual debt service
$215K
Cash flow needed (1.25×)
$269K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by The Fidelity Bank · Lender record →
Your business? Claim this record · Request removal
Pascetta Companion Animal Services Inc. in Little Egg Harbor Twp, NJ — $1.0M (2026) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$750K (75%)
Approved
3/2/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Change of Ownership
Industry
Veterinary Services
If you were the buyer here
Est. deal size
$1.1M
Est. down payment (10%)
$111K
Est. cash at closing
$152K
Monthly payment
$7,390
Annual debt service
$89K
Cash flow needed (1.25×)
$111K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
RoseMeade Vet Clinic PLLC in Carrollton, TX — $471K (2026) · purchase · Fifth Third Bank
Program
Preferred Lenders Program
Rate at approval
6.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$353K (75%)
Approved
2/12/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Change of Ownership
Industry
Veterinary Services
If you were the buyer here
Est. deal size
$523K
Est. down payment (10%)
$52K
Est. cash at closing
$70K
Monthly payment
$5,405
Annual debt service
$65K
Cash flow needed (1.25×)
$81K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Fifth Third Bank · Lender record →
Your business? Claim this record · Request removal
SoCal Animal Services, LLC in Riverside, CA — $3.5M (2025) · purchase · Port 51 Lending LLC
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$2.6M (75%)
Approval → funding
57 days
Approved
5/22/2025
First disbursed
7/18/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Business age
Change of Ownership
Industry
Veterinary Services
If you were the buyer here
Est. deal size
$3.9M
Est. down payment (10%)
$392K
Est. cash at closing
$541K
Monthly payment
$47,072
Annual debt service
$565K
Cash flow needed (1.25×)
$706K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Port 51 Lending LLC · Lender record →
Your business? Claim this record · Request removal
princegeorgevet, LLC in Hyattsville, MD — $2.6M (2025) · purchase · Merchants Bank of Indiana
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$2.0M (75%)
Approval → funding
16 days
Approved
3/12/2025
First disbursed
3/28/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
11
Business age
Change of Ownership
Industry
Veterinary Services
If you were the buyer here
Est. deal size
$2.9M
Est. down payment (10%)
$290K
Est. cash at closing
$400K
Monthly payment
$34,477
Annual debt service
$414K
Cash flow needed (1.25×)
$517K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Merchants Bank of Indiana · Lender record →
Your business? Claim this record · Request removal
PawPurr Services PLLC in Huffman, TX — $2.2M (2025) · purchase · Pinnacle Bank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
180 mo (15 yrs)
SBA guaranteed
$1.7M (75%)
Approval → funding
52 days
Approved
12/23/2024
First disbursed
2/13/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
13
Business age
Change of Ownership
Industry
Veterinary Services
If you were the buyer here
Est. deal size
$2.5M
Est. down payment (10%)
$250K
Est. cash at closing
$344K
Monthly payment
$24,155
Annual debt service
$290K
Cash flow needed (1.25×)
$362K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Pinnacle Bank · Lender record →
Your business? Claim this record · Request removal
B&H Veterinary Imaging Partners LLC in Tomball, TX — $2.2M (2025) · purchase · Fifth Third Bank
Program
Preferred Lenders Program
Rate at approval
7% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.6M (75%)
Approval → funding
10 days
Approved
5/5/2025
First disbursed
5/15/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Change of Ownership
Industry
Veterinary Services
If you were the buyer here
Est. deal size
$2.4M
Est. down payment (10%)
$244K
Est. cash at closing
$337K
Monthly payment
$25,544
Annual debt service
$307K
Cash flow needed (1.25×)
$383K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Fifth Third Bank · Lender record →
Your business? Claim this record · Request removal
Hillside Veterinary Services, LLC in Bedford, IN — $2.1M (2025) · purchase · Fifth Third Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
156 mo (13 yrs)
SBA guaranteed
$1.6M (75%)
Approval → funding
118 days
Approved
5/28/2025
First disbursed
9/23/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Change of Ownership
Industry
Veterinary Services
If you were the buyer here
Est. deal size
$2.3M
Est. down payment (10%)
$233K
Est. cash at closing
$321K
Monthly payment
$19,419
Annual debt service
$233K
Cash flow needed (1.25×)
$291K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Fifth Third Bank · Lender record →
Your business? Claim this record · Request removal
Animal Hospital CS LLC in West Monroe, LA — $2.0M (2025) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.5M (75%)
Approval → funding
27 days
Approved
2/28/2025
First disbursed
3/27/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
23
Business age
Change of Ownership
Industry
Veterinary Services
If you were the buyer here
Est. deal size
$2.3M
Est. down payment (10%)
$226K
Est. cash at closing
$311K
Monthly payment
$18,090
Annual debt service
$217K
Cash flow needed (1.25×)
$271K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
West Elk Veterinary Services LLC in Gunnison, CO — $1.9M (2025) · purchase · Fifth Third Bank
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.5M (75%)
Approval → funding
8 days
Approved
12/11/2024
First disbursed
12/19/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Change of Ownership
Industry
Veterinary Services
If you were the buyer here
Est. deal size
$2.1M
Est. down payment (10%)
$215K
Est. cash at closing
$296K
Monthly payment
$15,249
Annual debt service
$183K
Cash flow needed (1.25×)
$229K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Fifth Third Bank · Lender record →
Your business? Claim this record · Request removal
Old Cutler Petcare LLC in Cutler Bay, FL — $1.9M (2025) · purchase · American Momentum Bank
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.4M (75%)
Approved
2/19/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Change of Ownership
Industry
Veterinary Services
If you were the buyer here
Est. deal size
$2.1M
Est. down payment (10%)
$208K
Est. cash at closing
$287K
Monthly payment
$16,391
Annual debt service
$197K
Cash flow needed (1.25×)
$246K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by American Momentum Bank · Lender record →
Your business? Claim this record · Request removal
Medical Society LLC in Santa Fe, NM — $1.3M (2025) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.0M (75%)
Approval → funding
21 days
Approved
10/10/2024
First disbursed
10/31/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Change of Ownership
Industry
Veterinary Services
If you were the buyer here
Est. deal size
$1.5M
Est. down payment (10%)
$148K
Est. cash at closing
$203K
Monthly payment
$9,866
Annual debt service
$118K
Cash flow needed (1.25×)
$148K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Audrain Veterinary Clinic, LLC in Mexico, MO — $1.2M (2025) · purchase · HOMEBANK
Program
7a General
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$906K (75%)
Approval → funding
2 days
Approved
2/26/2025
First disbursed
2/28/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
14
Business age
Change of Ownership
Industry
Veterinary Services
If you were the buyer here
Est. deal size
$1.3M
Est. down payment (10%)
$134K
Est. cash at closing
$184K
Monthly payment
$15,296
Annual debt service
$184K
Cash flow needed (1.25×)
$229K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by HOMEBANK · Lender record →
Your business? Claim this record · Request removal
CROOKED HAUS VETERINARY SERVICES, PLLC in Tilton, NH — $1.1M (2025) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
8% variable
Term
300 mo (25 yrs)
SBA guaranteed
$818K (75%)
Approval → funding
29 days
Approved
5/8/2025
First disbursed
6/6/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
6
Business age
Change of Ownership
Industry
Veterinary Services
If you were the buyer here
Est. deal size
$1.2M
Est. down payment (10%)
$121K
Est. cash at closing
$166K
Monthly payment
$8,413
Annual debt service
$101K
Cash flow needed (1.25×)
$126K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
NPAH Enterprises, LLC in Jupiter, FL — $993K (2025) · purchase · Valley National Bank
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$744K (75%)
Approval → funding
35 days
Approved
2/24/2025
First disbursed
3/31/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
17
Business age
Change of Ownership
Industry
Veterinary Services
If you were the buyer here
Est. deal size
$1.1M
Est. down payment (10%)
$110K
Est. cash at closing
$151K
Monthly payment
$12,707
Annual debt service
$152K
Cash flow needed (1.25×)
$191K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Valley National Bank · Lender record →
Your business? Claim this record · Request removal
Hosanna Animal Hospital, LLC in Titusville, FL — $991K (2025) · purchase · Seacoast National Bank
Program
Preferred Lenders Program
Rate at approval
7.95% fixed
Term
300 mo (25 yrs)
SBA guaranteed
$743K (75%)
Approval → funding
21 days
Approved
3/10/2025
First disbursed
3/31/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Change of Ownership
Industry
Veterinary Services
If you were the buyer here
Est. deal size
$1.1M
Est. down payment (10%)
$110K
Est. cash at closing
$151K
Monthly payment
$7,616
Annual debt service
$91K
Cash flow needed (1.25×)
$114K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Seacoast National Bank · Lender record →
Your business? Claim this record · Request removal
SVCEP LLC in Poplarville, MS — $821K (2025) · purchase · Seacoast National Bank
Program
Preferred Lenders Program
Rate at approval
7.95% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$616K (75%)
Approved
9/29/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Change of Ownership
Industry
Veterinary Services
If you were the buyer here
Est. deal size
$912K
Est. down payment (10%)
$91K
Est. cash at closing
$125K
Monthly payment
$9,939
Annual debt service
$119K
Cash flow needed (1.25×)
$149K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Seacoast National Bank · Lender record →
Your business? Claim this record · Request removal

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CapBench analysis of public SBA 7(a) lending records; ranked by funded acquisition loans to veterinary services businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a veterinary services acquisition with an SBA 7(a) loan: the lenders that fund the most of them (from public records), typical cost, and what it takes to qualify. Live Oak Banking Company funds the most. CapBench is not a lender.

$1.4M typical loan
60 lenders fund the industry
0% default (FY20–23)
21 days typical to fund

Buyers researching a veterinary services deal typically pre-qualify, then ask CapBench to introduce a lender that funds the industry — free for buyers; agents submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/industry/veterinary-services
API:: https://www.capbench.com/api/public/lenders?industry=veterinary-services
Methodology:: Sources & methodology

Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
Figures come from public records and CapBench methodology; verify before relying on them.