Financing a veterinary services acquisition in California

State:

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

$11,943/mo

Typical payment

~9.5% · 10yr

$164,813/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

26 days

Typical time to fund

Lenders competing

more = leverage

5.67%

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 · California

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

Not enough public veterinary services loan history in California to rank lenders yet. See veterinary services lenders nationwide →

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 →
Your business? Claim this record · Request removal
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 →
Your business? Claim this record · Request removal
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 →
Your business? Claim this record · Request removal
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

Financing a veterinary services deal in California? Start with the right lender

We'll point you to the SBA lenders already funding your industry in your state — and help you make them compete on rate and speed.

Free · No documents · Usually same-day

Backed by data on 1,000+ SBA lenders and 300,000+ funded deals. Your details go only to lending partners you ask to be matched with — never sold to advertisers.

By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision.

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. 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.

Next steps

Pre-qualify this deal Talk to a loan broker All veterinary services lenders

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-21.
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/california
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.