Financing a veterinary services acquisition in Florida

State:

The SBA 7(a) lenders funding the most veterinary services acquisitions in Florida, 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 Florida

$1.35M

Typical loan

range $991K–$1.88M

$1.50M

Est. purchase price

≈ loan ÷ 90%

$205,719

Cash to close

$150,000 down + fees

$17,469/mo

Typical payment

~9.5% · 10yr

$241,072/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

14 days

Typical time to fund

Lenders competing

more = leverage

6.29%

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 · Florida

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

1.1,296 loans · $1.4B · Wilmington, NCFull record →
2.51 loans · $52M · Fuquay Varina, NCFull record →
3.23 loans · $30M · Stuart, FLFull record →
4.31 loans · $44M · Passaic, NJFull record →
5.24 loans · $22M · College Station, TXFull record →
6.3 loans · $0M · Tallahassee, FLFull record →

16+ funded Veterinary Services in Florida 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.

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
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
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
Gull Point Animal Hospital, Inc. in Pensacola, FL — $224K (2025) · purchase · Florida First Capital Finance Corporation, Inc.
Program
7a General
Rate at approval
7.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$168K (75%)
Approval → funding
115 days
Approved
10/17/2024
First disbursed
2/9/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
Change of Ownership
Industry
Veterinary Services
If you were the buyer here
Est. deal size
$249K
Est. down payment (10%)
$25K
Est. cash at closing
$33K
Monthly payment
$2,664
Annual debt service
$32K
Cash flow needed (1.25×)
$40K
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 Florida First Capital Finance Corporation, Inc. · Lender record →
Your business? Claim this record · Request removal
Vet Next Door, LLC in Parrish, FL — $2.0M (2022) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
4.15% fixed
Term
306 months
SBA guaranteed
$1.5M (75%)
Approval → funding
32 days
Approved
12/6/2021
First disbursed
1/7/2022
Loan status
Paid in full (6/30/2025)
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
$2.3M
Est. down payment (10%)
$227K
Est. cash at closing
$312K
Monthly payment
$10,816
Annual debt service
$130K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
KEYS ANIMAL EMERGENCY ROOM, LLC in Ramrod Key, FL — $2.0M (2022) · purchase · Centennial Bank
Program
Preferred Lenders Program
Rate at approval
5% fixed
Term
192 mo (16 yrs)
SBA guaranteed
$1.5M (75%)
Approval → funding
8 days
Approved
2/20/2022
First disbursed
2/28/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
20
Business age
Change of Ownership
Industry
Veterinary Services
If you were the buyer here
Est. deal size
$2.2M
Est. down payment (10%)
$218K
Est. cash at closing
$300K
Monthly payment
$14,843
Annual debt service
$178K
Cash flow needed (1.25×)
$223K
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 Centennial Bank · Lender record →
Your business? Claim this record · Request removal
New Life Veterinary Hospital in Lakeland, FL — $1.4M (2022) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.0M (75%)
Approval → funding
9 days
Approved
6/22/2022
First disbursed
7/1/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
16
Business age
Change of Ownership
Industry
Veterinary Services
If you were the buyer here
Est. deal size
$1.5M
Est. down payment (10%)
$150K
Est. cash at closing
$206K
Monthly payment
$8,493
Annual debt service
$102K
Cash flow needed (1.25×)
$127K
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
Garden Veterinary Clinic,LLC in Winter Park, FL — $543K (2022) · purchase · First Financial Bank
Program
Preferred Lenders Program
Rate at approval
4.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$407K (75%)
Approval → funding
14 days
Approved
3/8/2022
First disbursed
3/22/2022
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
$603K
Est. down payment (10%)
$60K
Est. cash at closing
$81K
Monthly payment
$5,562
Annual debt service
$67K
Cash flow needed (1.25×)
$83K
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 Financial Bank · Lender record →
Your business? Claim this record · Request removal
Cruz Animal Hospital Inc in Ramrod Key, FL — $100K (2022) · purchase · Centennial Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$50K (50%)
Approval → funding
6 days
Approved
2/22/2022
First disbursed
2/28/2022
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
20
Business age
Change of Ownership
Industry
Veterinary Services
If you were the buyer here
Est. deal size
$111K
Est. down payment (10%)
$11K
Est. cash at closing
$14K
Monthly payment
$1,061
Annual debt service
$13K
Cash flow needed (1.25×)
$16K
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 Centennial Bank · Lender record →
Your business? Claim this record · Request removal
Lokhi Properties, LLC in Lakeland, FL — $1.7M (2021) · purchase · Customers Bank
Program
Preferred Lenders Program
Rate at approval
4.75% variable
Term
156 mo (13 yrs)
SBA guaranteed
$1.5M (90%)
Approval → funding
37 days
Approved
9/22/2021
First disbursed
10/29/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
3
Business age
Change of Ownership
Industry
Veterinary Services
If you were the buyer here
Est. deal size
$1.9M
Est. down payment (10%)
$185K
Est. cash at closing
$255K
Monthly payment
$14,343
Annual debt service
$172K
Cash flow needed (1.25×)
$215K
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 Customers Bank · Lender record →
Your business? Claim this record · Request removal
Colom Veterinary LLC in Orlando, FL — $1.1M (2021) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
4.75% fixed
Term
180 mo (15 yrs)
SBA guaranteed
$1.0M (90%)
Approval → funding
9 days
Approved
6/16/2021
First disbursed
6/25/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
11
Business age
Change of Ownership
Industry
Veterinary Services
If you were the buyer here
Est. deal size
$1.3M
Est. down payment (10%)
$125K
Est. cash at closing
$171K
Monthly payment
$8,751
Annual debt service
$105K
Cash flow needed (1.25×)
$131K
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
Lost Key Animal Clinic in Pensacola, FL — $1.5M (2020) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
5.5% fixed
Term
168 mo (14 yrs)
SBA guaranteed
$1.1M (75%)
Approval → funding
28 days
Approved
8/3/2020
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
7
Business age
Change of Ownership
Industry
Veterinary Services
If you were the buyer here
Est. deal size
$1.7M
Est. down payment (10%)
$167K
Est. cash at closing
$229K
Monthly payment
$12,822
Annual debt service
$154K
Cash flow needed (1.25×)
$192K
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
Beville Animal Hospital, LLC in South Daytona, FL — $1.1M (2020) · purchase · SouthState Bank, National Association
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$813K (75%)
Approval → funding
4 days
Approved
9/21/2020
First disbursed
9/25/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
8
Business age
Change of Ownership
Industry
Veterinary Services
If you were the buyer here
Est. deal size
$1.2M
Est. down payment (10%)
$120K
Est. cash at closing
$165K
Monthly payment
$11,628
Annual debt service
$140K
Cash flow needed (1.25×)
$174K
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 SouthState Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Beville Animal Hospital, LLC in South Daytona, FL — $371K (2020) · purchase · SouthState Bank, National Association
Program
Preferred Lenders Program
Rate at approval
4.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$278K (75%)
Approval → funding
4 days
Approved
9/21/2020
First disbursed
9/25/2020
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
$412K
Est. down payment (10%)
$41K
Est. cash at closing
$55K
Monthly payment
$2,059
Annual debt service
$25K
Cash flow needed (1.25×)
$31K
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 SouthState Bank, National Association · 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 Florida project address.

Agent summary

How to finance a veterinary services acquisition in Florida with an SBA 7(a) loan: the lenders that fund the most of them here (from public records), with the real funded Florida deals. Live Oak Banking Company funds the most here. CapBench is not a lender.

$1.4M typical loan
10 lenders active in Florida
16+ funded Florida deals
14 days typical to fund

Buyers buying a veterinary services in Florida 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 2026-06-17.
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/florida
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.