Financing for Pet Stores & Veterinarians

Is Your Pet Store or Veterinary Practice Ready to Grow?

ARF Financial has business loans and lines of credit designed for pet store owners and veterinarians. With an established track record of providing pet store/veterinary financing, our team of seasoned loan consultants specialize in delivering the trusted financial guidance you deserve with the industry-leading loan products you need to keep your store or practice profitable. Do you have student loans? No problem! Most veterinarians come with student loans, and we have loan products specifically designed to take those into account. We understand your unique needs and have loans and lines of credit to fit every situation.

At ARF, our focus is to get you the working capital you need when you need it, all while providing seasoned guidance to help you maximize your return on investment. Running a successful pet store or veterinary practice takes much more than just veterinary school training. It also takes ongoing access to capital to remain relevant and competitive. Banks continue to tighten their lending requirements resulting in diminished access to pet store/veterinary financing. This means many pet store owners and veterinarians are forced into more expensive financing options such as merchant cash advances to make ends meet.

When choosing the right business lender, it’s important to compare loan amounts and repayment terms because…

Size Matters!

Larger Loan Amounts, Longer Terms & Big Rewards

Big projects usually mean big upfront investments, something you can’t get from a merchant cash advance. If you’re ready to take the plunge and go BIG this year, we have financing that’s the perfect fit. You can now borrow up to $1,000,000 with terms up to 36 months to fund your big projects while keeping your costs low. Our average loan size is over six times larger and repayment terms are more than three times longer than a Merchant Cash Advance. Larger loan amounts mean you can invest in growth opportunities that will make a significant impact to your bottom line, and longer terms mean your payments are manageable and won’t interfere with your cash flow! Check out the comparison below:

*Completing and application only takes 10 minutes and won’t affect your credit.

Why is ARF Financial Different?

Since 2001, ARF Financial has helped tens of thousands of pets stores and veterinarians like you secure over a billion dollars in loan proceeds! Our loans are not merchant cash advances. We do not require business plans, credit card receipts nor any receivables to secure your loan or line of credit. Our emphasis on close client relationships keeps your financial health at the forefront to ensure a high degree of customer satisfaction.

We’re devoted to sticking by your side for the long haul, ensuring you can capitalize on new business opportunities as they develop. Here are some valuable options to put pet store/veterinary financing to work in your business:

Renovate or remodel your store or offices

Purchase or upgrade equipment and technology

Provide additional training or hire new staff

Paying off more expensive loans or other outstanding debts

Open another location or buy out a veterinary practice or pet store

Add new ancillary services

Bridge private carrier insurance payments

Buy out a business partner or buy into a new opportunity

Overcoming short-term cash gaps

Take advantage of other business opportunities

The Difference is Insight

Flexible Loan Terms that Make Sense

ARF Financial will provide you the one-on-one support you deserve to ensure your loan is customized to specifically meet your needs and your individual business situation.  Whether you’re upgrading your equipment and technology, adding new clinical services, or simply improving your cash flow while waiting on historically slow insurance payments, ARF Financial is here to help.  We provide a complete range of loan options for pet store owners and veterinarians, whether you need $5,000 or $1 million in working capital. And when you apply for funding through ARF Financial, the interest you pay on your loan is tax deductible!

It Pays to Be Prepared

There are countless reasons why pet store owners and veterinarians of all sizes turn to ARF Financial for their financing needs. Every loan we provide comes with an optional line of credit with 24-hour access to the capital you need when you need it. We offer flexible terms up to 36 months. Loans over $500,000 we will work with you to find the best possible mix to get you funded. What’s more, there’s very little paperwork to complete, and approvals are granted in 24 to 48 hours.

What is a Pet Store/Veterinary loan or Line of Credit?

Pet store/veterinary financing are customized business loans and lines of credit designed specifically for pets store owners and veterinarians. Pet store/veterinary financing takes into consideration the unique needs of pet store owners and veterinarians including business model, partnership structure and timeliness of funding for emergencies. Our pet store/veterinary financing options are also used to retain equity or buy back equity from business partners. Some pet store owners and veterinarians simply use our loans and lines of credit as bridge financing until payments come through from insurers.

Who Needs A Pet Store/Veterinary Financing?

Pet store/veterinary financing in the form of loans and lines of credit are available to any pet store owner or veterinarian who needs capital to fund projects such as equipment financing, inventory financing, building renovations, practice expansions, upgrading computer systems, paying off outstanding debt, buy out a business partner, licenses, signage, adding ancillary services, marketing and advertising, buying a new store or practice, stabilizing cash flow for emergencies and opportunities. These are just a few recurring reasons pet store owners and veterinarians choose ARF Financial first.

Smart pet store owners and veterinarians are choosing our pet store/veterinary financing because rates are low, the terms are flexible, and payments are fixed. These pet store/veterinary financing are not tied to your credit card receipts which means you have access to a working capital cushion that is available for any business opportunity, repairs or for cash flow needs.

Pet/Store/Veterinary Loan Versus a Merchant Cash Advance

A merchant cash advance is not a pet store/veterinary loan. It is a form of factoring where a financial services company buys your future credit card sales at a discount, typically up to 38%, and then electronically debits a percentage of your daily credit card receipts until the agreed upon amount has been paid back.

restaurant loan advantages restaurant loan chart

The problem? As shown in the graph, the more money you make, the faster they get paid back, thus raising the cost of funds to your business significantly.

Pet store owners and veterinarians, like many business owners, are constantly being offered cash advances by their credit card processors. However, with many cash advances, your payment can change each week, or even daily, based upon your sales. While merchant cash advances appear to be a quick and easy option for owners, pet store/veterinary financing is actually just as quick and cost way less in the long run. ARF Financial offers fixed, weekly payments that never change – great for budgeting and cash flow. As with most deals, the merchant cash advance depends on the company offering it. With ARF Financial, there is no need to change your existing credit card processor, and there are no complicated reconciliations to perform.

Our pet store/veterinary loans do not rely on a registered card platform or credit card transactions for re-payment. Therefore, you can implement any marketing program you desire to drive sales without the risk of double dipping. Don’t let other companies convert your existing customers into discount customers.

If your business is growing, don’t pay back your cash advance with a percentage of your Mastercard and Visa sales! As a successful pet store owner or veterinarian, why undermine your company’s operating health by giving away your new increased sales? Also, unlike a merchant cash advance, the interest on our pet store/veterinary loans are tax deductible. This effectively lowers the total cost of your pet store/veterinary loan in the long run.

A pet store/veterinary loan with ARF Financial is the preferred choice compared to a merchant cash advance. Rates are lower, payments are fixed, terms are longer and the interest you pay is tax deductible. Most importantly, as your sales increase, your payments remain fixed. That means you, the owner/practitioner, reaps the benefits of increased sales, not the cash advance company.

No matter what the future holds, ARF Financial is your best choice for pet store/veterinary loans and lines of credit to capitalize on new business opportunities – often when conventional banks simply won’t consider it.

How to Qualify – Pet Stores and Veterinarians

Business loans and lines of credit for pet stores and veterinarians are approved based on the qualifying criteria below. No single requirement will guarantee an approval. However, applicants should be prepared to produce key documents about their business and other relevant data to receive an approval.

Time in Business

The length of time the business has been open and operating under the same ownership is an important factor during the approval process. Pet stores or veterinary practices that have been open and operating for at least one month (30 days) may qualify.

Bank Statements

During the approval process, we look at three of your business’s most recent months of bank statements. In accessing credit worthiness, your business account gives definitive evidence of your monthly cash flow and helps determine loan amount.

Credit Score

A minimum credit score of 551 is required. ARF does consider a mix of criteria, not just your credit score, in order to make a final decision. We have partnered with many banks to offer even more options for pet store owners and veterinarians with less than perfect credit.

Sales Volume

To qualify for a loan with ARF Financial, your pet store or veterinary practice must generate a minimum of $200,000 in annual sales (approximately $17,000 per month) actual or projected. Total sales includes both cash and credit card receipts.

Debt to Credit Ratio

ARF Financial, like most lenders, will also examine your debt-to-ccredit ratio as part of the approval process. If your pet store or veterinary practice is carrying too much debt, we will regularly offer to pay off competitor loans if your business qualifies.

Hassle-Free Process

ARF Financial has built relationships with banks around the country, so you can acquire a restaurant loan quickly with limited paperwork. These are actual bank loans, not cash advances. Repayment has nothing to do with your credit card receipts. This means the interest you pay is tax deductible, rates are fixed, and you know the terms ahead of time. Our clients get the financing they need quickly, with manageable payments that won’t increase as revenue grows. With an ARF Financial restaurant loan, you actually are rewarded for your success and you keep more of what you earn.

Our Loans for Pet Stores and Veterinarians Feature:


A renewable Line of Credit with access to 5 drafts for 6 months


Fast approvals and fundings in less than a week


Loan amounts up to $750,000


Fixed repayment terms up to 36 months


Low rates, fixed payments and no hidden fees


Tax deductible interest and early payoff options

How to Apply

If you’re a pet store owner or veterinarian looking for financing with guaranteed rates, fixed terms and affordable payments, simply complete our online application today. We also have local loan consultants who are knowledgeable about your specific market and will work side-by-side with you throughout the process. Our online application quick, simple and there are no hard credit pulls so your credit will not be affected.

Business Loan Calculator

Use our business loan calculator to calculate loan amount!

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Loan amounts may be increased with the review of tax returns and financials. Time in Business – Must be operating under the same ownership and concept. Homeownership – Home must be in your name. Bankruptcy – Includes individual and business bankruptcy. The use of this Loan Calculator tool is intended for illustrative purposes only and is not based upon any  information about the user and does not represent a specific loan offer or terms that may be accepted by the user.  A specific loan proposal can only be provided after completion of an application.  Please provide the requested contact information if you wish to be contacted by one of our loan consultants to receive a written quote.

Terms & Conditions

ARF Financial LLC is an exclusive third party originator and servicer of commercial loans for state charted community banks throughout the United States (“Partner Banks”), (collectively herein referred to as “Lender”). This Preliminary Loan Amount is based upon pre-underwriting standards consistent with Lender’s guidelines. This Preliminary Loan Amount is based upon the information provided by the Merchant in the Loan Calculator. This approval is contingent upon the accuracy and truthfulness of the information provided by the Merchant therein and on any additional information discovered by Lender during the Underwriting process including but not limited to the review of all financial information provided by the Merchant, the credit of any guarantor and/or any information available from the public domain relating to the business’ or the guarantor’s outstanding liens and judgments, collection issues, history of fraud, bankruptcy, or criminal activity; the status of the Merchant’s business entity with the State where they are located; or any other information that may reflect on the business or guarantor’s ability to repay this loan. The terms of this Preliminary Loan Amount may change based upon the review of all information noted above. The terms of this Preliminary Loan Amount (noted above or if modified during the Underwriting process) are not deemed approved until the Merchant agrees to and executes all necessary Loan documents and the Loan documents are countersigned and approved by an Officer of Lender. If Merchant executed no Universal Merchant Credit Application then this Preliminary Loan Amount is for discussion purposes only.

Quick & Easy Online Application

Use our online application to get approved for funds in 24 to 48 hours! There are 5 easy steps, It only takes 10 minutes and won’t affect your credit.