High-Quality Care Starts with the Right Tools—But They Don’t Come Cheap

Modern veterinary clinics rely on advanced diagnostic and surgical equipment to deliver the best possible care. But whether you’re outfitting a new practice or upgrading your imaging system, the upfront cost can feel overwhelming.

That’s where veterinary practice loans and equipment financing come in.

At FPG, we work closely with veterinary professionals to simplify access to high-value tools, without the capital strain. This guide breaks down exactly what you’ll need to prepare for financing, so you can move forward with confidence and speed.

 

Why Prepare Ahead for Veterinary Equipment Financing?

Getting organized before you apply does more than save time—it puts you in a stronger financial position.

Benefits of being prepped:

  • Faster approval turnaround (often under 24 hours at FPG)

  • Better terms and structure based on complete info

  • Easier communication with your equipment vendor

  • Higher confidence when comparing financing options

 

✅ Veterinary Equipment Financing Checklist: What You’ll Need

Here’s a clear, no-fluff list of what FPG typically asks for to get your loan moving:

 

✅ Business Information

  • Legal practice name

  • Business address

  • Tax ID (EIN)

  • Entity type (LLC, S-Corp, etc.)

 

✅ Time in Practice

  • Number of years your practice has been operating

  • If you’re a startup, relevant career experience is helpful

 

✅ Personal & Business Credit Scores

  • You can pull these ahead of time to check your standing

  • FPG offers prequalification with a soft pull, so there’s no risk to your credit

 

✅ Financial Statements

For financing up to $350,000, most customers only need:

  • A simple application

  • 3 months of recent bank statements

  • An equipment quote

That’s it—no tax returns or financials required in most cases.

For larger amounts, most financing providers may request additional documents such as:

  • Recent Profit & Loss and Balance Sheets

  • And the items noted below.

FPG’s Process: We’ll always let you know exactly what’s needed and help streamline the process every step of the way.

 

✅ Tax Returns

  • 1–2 years of returns for established clinics

  • Useful for understanding long-term financial trends

 

✅ Equipment Quote or Invoice

  • Includes item specs, cost, vendor name, and contact info

  • Required to determine total loan amount and terms

 

✅ Use of Funds Summary (Optional, but Recommended)

  • A short paragraph explaining how the equipment will benefit your practice

  • Great for justifying ROI if you're applying as a new or growing business


 

What Do I Need to Apply for a Vet Equipment Loan?

You don’t need a perfect credit score or decades in business, but having your financials and equipment needs clearly documented gives you a major advantage.

FPG’s advisors specialize in veterinary practice loans, so we can guide you through every step, even if it’s your first time applying.

 

Choosing the Right Financing Partner for Your Clinic

Not all lenders understand the needs of veterinary professionals. Here’s what to look for when choosing a financing partner:

✅ Industry Expertise
 Make sure they’re familiar with medical or animal health financing—FPG works with clinics every day.

✅ Repayment Flexibility
 Ask about terms like seasonal payments, deferred starts, or structured buyouts.

✅ Speed & Simplicity
 FPG offers 24–48 hour approvals and handles vendor coordination for you.

✅ Tax Guidance
 Financed equipment may qualify for Section 179 deductions—a good lender can help you plan around year-end investments.

 

Bonus Tip: Prequalify Before You Commit

Want to compare your options without impacting credit? FPG offers a prequalification tool with no hard inquiry, so you can see terms and monthly payments before moving forward.

 

Final Thoughts: Preparation Pays Off

Applying for veterinary practice loans doesn’t have to be stressful. With the right information and a trusted financing partner, you can secure the tools your clinic needs, without compromising cash flow or operational stability.

 

Let’s Get You Prequalified

Whether you're upgrading diagnostic tools or launching a new animal hospital, FPG is here to help.

 

 📞 Talk to a financing advisor today at (603) 696-7076