Financing a veterinary services acquisition in New York

State:

Alabama (2)Arizona (5)Arkansas (4)California (16)Colorado (4)Connecticut (1)Delaware (1)Florida (16)Georgia (7)Hawaii (1)Idaho (1)Illinois (2)

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

$279K

Typical loan

range $50K–$1.88M

$310K

Est. purchase price

≈ loan ÷ 90%

$41,463

Cash to close

$31,000 down + fees

$3,843/mo

Typical payment

~11% · 10yr

$53,033/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

80 days

Typical time to fund

Lenders competing

more = leverage

6.04%

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 · New York

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

1.36 loans · $46M · Los Angeles, CAFull record →

7+ funded Veterinary Services in New York 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.

Kim I. Barlowe, DVM in Huntington, NY — $1.9M (2024) · purchase · Banc of California
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.4M (75%)
Approval → funding
96 days
Approved
9/26/2024
First disbursed
12/31/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
39
Business age
Change of Ownership
Industry
Veterinary Services
If you were the buyer here
Est. deal size
$2.1M
Est. down payment (10%)
$211K
Est. cash at closing
$291K
Monthly payment
$25,383
Annual debt service
$305K
Cash flow needed (1.25×)
$381K
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
Jason Kirshbaum DVM, P.C. in Syosset, NY — $1.9M (2021) · purchase · Banc of California
Program
Preferred Lenders Program
Rate at approval
4.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.4M (75%)
Approval → funding
80 days
Approved
12/10/2020
First disbursed
2/28/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Business age
Change of Ownership
Industry
Veterinary Services
If you were the buyer here
Est. deal size
$2.1M
Est. down payment (10%)
$209K
Est. cash at closing
$288K
Monthly payment
$19,753
Annual debt service
$237K
Cash flow needed (1.25×)
$296K
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
5 CORNERS VETERINARY HOSPITAL in Orchard Park, NY — $162K (2021) · purchase · NBT Bank, National Association
Program
Preferred Lenders Program
Rate at approval
5.25% fixed
Term
84 mo (7 yrs)
SBA guaranteed
$122K (75%)
Approval → funding
93 days
Approved
12/19/2020
First disbursed
3/22/2021
Loan status
Paid in full (7/31/2025)
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
$180K
Est. down payment (10%)
$18K
Est. cash at closing
$24K
Monthly payment
$2,309
Annual debt service
$28K
Cash flow needed (1.25×)
$35K
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 NBT Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Jeanette the Vet Veterinary Services PLLC in Niagara Falls, NY — $50K (2021) · purchase · TowneBank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approval → funding
50 days
Approved
10/22/2020
First disbursed
12/11/2020
Loan status
Paid in full (4/30/2024)
Loan type
Revolving line
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
$56K
Est. down payment (10%)
$6K
Est. cash at closing
$7K
Monthly payment
$543
Annual debt service
$7K
Cash flow needed (1.25×)
$8K
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 TowneBank · Lender record →
Your business? Claim this record · Request removal
Spencerport Country Veterinarian in Spencerport, NY — $1.6M (2020) · purchase · Manufacturers and Traders Trust Company
Program
Preferred Lenders Program
Rate at approval
6.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.2M (75%)
Approval → funding
49 days
Approved
12/13/2019
First disbursed
1/31/2020
Loan status
Paid in full (5/31/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
9
Business age
Change of Ownership
Industry
Veterinary Services
If you were the buyer here
Est. deal size
$1.7M
Est. down payment (10%)
$173K
Est. cash at closing
$237K
Monthly payment
$17,460
Annual debt service
$210K
Cash flow needed (1.25×)
$262K
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 Manufacturers and Traders Trust Company · Lender record →
Your business? Claim this record · Request removal
Happy Tails Animal Hospital, PLLC in North Bangor, NY — $279K (2020) · purchase · NBT Bank, National Association
Program
7a General
Rate at approval
4.5% variable
Term
240 mo (20 yrs)
SBA guaranteed
$209K (75%)
Approval → funding
66 days
Approved
3/26/2020
First disbursed
5/31/2020
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
$310K
Est. down payment (10%)
$31K
Est. cash at closing
$41K
Monthly payment
$1,765
Annual debt service
$21K
Cash flow needed (1.25×)
$26K
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 NBT Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Spencerport Country Veterinarian in Spencerport, NY — $50K (2020) · purchase · Manufacturers and Traders Trust Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approved
12/13/2019
Loan status
Cancelled
Loan type
Revolving line
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
$56K
Est. down payment (10%)
$6K
Est. cash at closing
$7K
Monthly payment
$549
Annual debt service
$7K
Cash flow needed (1.25×)
$8K
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 Manufacturers and Traders Trust Company · Lender record →
Your business? Claim this record · Request removal

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

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CapBench analysis of public SBA 7(a) lending records; ranked by funded acquisition loans to veterinary services businesses with a New York project address.

Agent summary

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

$1.4M typical loan
4 lenders active in New York
7+ funded New York deals
80 days typical to fund

Buyers buying a veterinary services in New York 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 2026-06-22.
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/new-york
API:: https://www.capbench.com/api/public/lenders?industry=veterinary-services&state=NY
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.