Lender intelligence
Financing a veterinary services acquisition in California
The SBA 7(a) lenders funding the most veterinary services acquisitions in California, from public loan records. A lender doing your industry in your state every week underwrites faster and prices sharper.
Deal economics— what it takes to buy & finance veterinary services in California
$923K
Typical loan
range $781K–$2.15M
$1.03M
Est. purchase price
≈ loan ÷ 90%
$140,630
Cash to close
$102,556 down + fees
$12,070/mo
Typical payment
~9.75% · 10yr
$166,566/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
26 days
Typical time to fund
7
Lenders competing
more = leverage
5.67%
Avg rate on record
cap ~10.00%
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 · California
Ranked by funded veterinary services acquisitions in California. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.1,296 loans · $1.4B · Wilmington, NCFull record →
- 2.23 loans · $30M · Stuart, FLFull record →
- 3.129 loans · $234M · New York, NYFull record →
- 4.29 loans · $28M · Quincy, CAFull record →
- 5.36 loans · $46M · Los Angeles, CAFull record →
- 6.97 loans · $96M · Raleigh, NCFull record →
16+ funded Veterinary Services in California 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.
- 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 →
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- Panova Vet Care Inc in Chino, CA — $790K (2025) · purchase · Seacoast National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.95% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $593K (75%)
- Approved
- 9/16/2025
- 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
- $878K
- Est. down payment (10%)
- $88K
- Est. cash at closing
- $120K
- Monthly payment
- $9,566
- Annual debt service
- $115K
- Cash flow needed (1.25×)
- $143K
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 →
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- Warm Springs Pet Corporation in Fremont, CA — $350K (2024) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approved
- 5/17/2024
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 33
- Business age
- Change of Ownership
- Industry
- Veterinary Services
If you were the buyer here
- Est. deal size
- $389K
- Est. down payment (10%)
- $39K
- Est. cash at closing
- $52K
- Monthly payment
- $4,339
- Annual debt service
- $52K
- Cash flow needed (1.25×)
- $65K
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 →
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- Agate Bay Animal Hospital, Inc. in Tahoe Vista, CA — $923K (2023) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 7.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $692K (75%)
- Approved
- 12/30/2022
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 9
- Business age
- Change of Ownership
- Industry
- Veterinary Services
If you were the buyer here
- Est. deal size
- $1.0M
- Est. down payment (10%)
- $103K
- Est. cash at closing
- $141K
- Monthly payment
- $10,956
- Annual debt service
- $131K
- Cash flow needed (1.25×)
- $164K
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
- Paws & Claws Mobile Veterinarian in Agoura Hills, CA — $5.0M (2022) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 4.4% variable
- Term
- 312 mo (26 yrs)
- SBA guaranteed
- $3.8M (75%)
- Approval → funding
- 33 days
- Approved
- 10/28/2021
- First disbursed
- 11/30/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 72
- Business age
- Change of Ownership
- Industry
- Veterinary Services
If you were the buyer here
- Est. deal size
- $5.6M
- Est. down payment (10%)
- $556K
- Est. cash at closing
- $769K
- Monthly payment
- $26,929
- Annual debt service
- $323K
- Cash flow needed (1.25×)
- $404K
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
- Wilder Animal Hospital in Santa Barbara, CA — $600K (2022) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 4.75% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $450K (75%)
- Approval → funding
- 14 days
- Approved
- 3/22/2022
- First disbursed
- 4/5/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 13
- Business age
- Change of Ownership
- Industry
- Veterinary Services
If you were the buyer here
- Est. deal size
- $667K
- Est. down payment (10%)
- $67K
- Est. cash at closing
- $89K
- Monthly payment
- $6,291
- Annual debt service
- $75K
- Cash flow needed (1.25×)
- $94K
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
- UNITED DENTAL CONSULTING in Bellflower, CA — $2.6M (2021) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% fixed
- Term
- 299 months
- SBA guaranteed
- $2.3M (90%)
- Approval → funding
- 21 days
- Approved
- 9/15/2021
- First disbursed
- 10/6/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 2
- Business age
- Change of Ownership
- Industry
- Veterinary Services
If you were the buyer here
- Est. deal size
- $2.9M
- Est. down payment (10%)
- $286K
- Est. cash at closing
- $394K
- Monthly payment
- $16,192
- Annual debt service
- $194K
- Cash flow needed (1.25×)
- $243K
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
- SUMMIT VET LLC in Los Gatos, CA — $2.1M (2021) · purchase · Wells Fargo Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 3.6% fixed
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.6M (75%)
- Approved
- 10/2/2020
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Change of Ownership
- Industry
- Veterinary Services
If you were the buyer here
- Est. deal size
- $2.4M
- Est. down payment (10%)
- $237K
- Est. cash at closing
- $326K
- Monthly payment
- $10,772
- Annual debt service
- $129K
- Cash flow needed (1.25×)
- $162K
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 Wells Fargo Bank National Association · Lender record →
Your business? Claim this record · Request removal
- SUMMIT VET LLC in Los Gatos, CA — $2.1M (2021) · purchase · Wells Fargo Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 3.6% fixed
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.6M (75%)
- Approval → funding
- 26 days
- Approved
- 10/5/2020
- First disbursed
- 10/31/2020
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Change of Ownership
- Industry
- Veterinary Services
If you were the buyer here
- Est. deal size
- $2.4M
- Est. down payment (10%)
- $237K
- Est. cash at closing
- $326K
- Monthly payment
- $10,772
- Annual debt service
- $129K
- Cash flow needed (1.25×)
- $162K
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 Wells Fargo Bank National Association · Lender record →
Your business? Claim this record · Request removal
- BIPS Professional Inc in Los Gatos, CA — $781K (2021) · purchase · Wells Fargo Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 5.2% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $585K (75%)
- Approval → funding
- 26 days
- Approved
- 10/5/2020
- First disbursed
- 10/31/2020
- 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
- $867K
- Est. down payment (10%)
- $87K
- Est. cash at closing
- $119K
- Monthly payment
- $8,355
- Annual debt service
- $100K
- Cash flow needed (1.25×)
- $125K
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 Wells Fargo Bank National Association · Lender record →
Your business? Claim this record · Request removal
- BIPS Professional Inc in Los Gatos, CA — $781K (2021) · purchase · Wells Fargo Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 5.2% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $585K (75%)
- Approved
- 10/5/2020
- Loan status
- Cancelled
- 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
- $867K
- Est. down payment (10%)
- $87K
- Est. cash at closing
- $119K
- Monthly payment
- $8,355
- Annual debt service
- $100K
- Cash flow needed (1.25×)
- $125K
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 Wells Fargo Bank National Association · Lender record →
Your business? Claim this record · Request removal
- Alvandi Veterinary Services, Inc in Corona, CA — $540K (2021) · purchase · First-Citizens Bank & Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 4.75% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $486K (90%)
- Approval → funding
- 28 days
- Approved
- 6/18/2021
- First disbursed
- 7/16/2021
- Loan status
- Paid in full (10/31/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 9
- Business age
- Change of Ownership
- Industry
- Veterinary Services
If you were the buyer here
- Est. deal size
- $600K
- Est. down payment (10%)
- $60K
- Est. cash at closing
- $80K
- Monthly payment
- $5,664
- Annual debt service
- $68K
- Cash flow needed (1.25×)
- $85K
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 First-Citizens Bank & Trust Company · Lender record →
Your business? Claim this record · Request removal
- MoLo VETERINARY HOSPITAL, INC. in Grass Valley, CA — $2.1M (2020) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 4.6% fixed
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.6M (75%)
- Approval → funding
- 8 days
- Approved
- 9/10/2020
- First disbursed
- 9/18/2020
- Loan status
- Paid in full (12/31/2021)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 29
- Business age
- Change of Ownership
- Industry
- Veterinary Services
If you were the buyer here
- Est. deal size
- $2.4M
- Est. down payment (10%)
- $238K
- Est. cash at closing
- $328K
- Monthly payment
- $12,045
- Annual debt service
- $145K
- Cash flow needed (1.25×)
- $181K
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
- Georgina Adela Marquez in Yorba Linda, CA — $1.1M (2020) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 4.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $825K (75%)
- Approval → funding
- 10 days
- Approved
- 7/14/2020
- First disbursed
- 7/24/2020
- Loan status
- Paid in full (9/30/2023)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Individual
- 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
- $1.2M
- Est. down payment (10%)
- $122K
- Est. cash at closing
- $168K
- Monthly payment
- $11,533
- Annual debt service
- $138K
- Cash flow needed (1.25×)
- $173K
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
- BHAHLB, LLC in Long Beach, CA — $806K (2020) · purchase · Banc of California
- Program
- Preferred Lenders Program
- Rate at approval
- 4.99% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $605K (75%)
- Approval → funding
- 17 days
- Approved
- 8/14/2020
- First disbursed
- 8/31/2020
- Loan status
- Paid in full (12/31/2025)
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Business age
- Change of Ownership
- Industry
- Veterinary Services
If you were the buyer here
- Est. deal size
- $896K
- Est. down payment (10%)
- $90K
- Est. cash at closing
- $123K
- Monthly payment
- $4,707
- Annual debt service
- $56K
- Cash flow needed (1.25×)
- $71K
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 Banc of California · Lender record →
Your business? Claim this record · Request removal
- Douglas Hardy DMV, Inc. in Long Beach, CA — $530K (2020) · purchase · Plumas Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $398K (75%)
- Approval → funding
- 47 days
- Approved
- 7/15/2020
- First disbursed
- 8/31/2020
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 5
- Business age
- Change of Ownership
- Industry
- Veterinary Services
If you were the buyer here
- Est. deal size
- $589K
- Est. down payment (10%)
- $59K
- Est. cash at closing
- $79K
- Monthly payment
- $5,621
- Annual debt service
- $67K
- Cash flow needed (1.25×)
- $84K
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 Plumas 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 with a California project address.
Agent summary
How to finance a veterinary services acquisition in California with an SBA 7(a) loan: the lenders that fund the most of them here (from public records), with the real funded California deals. Live Oak Banking Company funds the most here. CapBench is not a lender.
- $1.4M typical loan
- 7 lenders active in California
- 16+ funded California deals
- 26 days typical to fund
Buyers buying a veterinary services in California typically pre-qualify, then ask CapBench to introduce a lender active here — free for buyers; agents submit a consented lead via the CapBench MCP.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-10-11.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
- 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.