For more than 40 years, Market Capital Lending has helped professionals buy and build their practices — part of the $375 million+ we've arranged for our clients. Buying a veterinary practice is a strong use of an SBA loan: it can finance the goodwill (the patient base and going-concern value), the equipment, and even the real estate, with a lower down payment and long terms. We're a veteran-owned, SBA-approved broker. Below, here's how veterinary practice financing works.
Why the SBA is ideal for buying a practice
A veterinary practice's value is largely goodwill — the client base, cash flow, staff, and reputation — which conventional lenders struggle to finance. The SBA 7(a) program was built for exactly this: it can fund the goodwill, the medical and diagnostic equipment, working capital, and (when applicable) the building, all in one loan with a lower down payment. (Rates, approval, and terms vary by credit, collateral, loan amount, and underwriting.)
What we finance
We arrange financing for veterinary practice acquisitions, partner buy-ins/buyouts, equipment and technology, build-outs for a new or relocating clinic, and commercial real estate for practice owners. It fits alongside our medical and dental practice programs. Buying a practice? Our business acquisition expertise and complimentary cash-flow analysis help confirm it prequalifies for SBA 7(a) financing.
Why choose Market Capital Lending
As a veteran-owned, SBA-approved broker with a network of 40–50 lenders, 40+ years of experience, and $375M+ funded, we structure your acquisition for approval and match it to a lender active in veterinary and healthcare deals. Start your application or call us.
Frequently asked questions
Can I finance a veterinary practice acquisition, including goodwill?
Yes. SBA 7(a) loans are designed to finance a practice's goodwill along with equipment, working capital, and sometimes the real estate.
Can I finance a partner buyout or buy-in?
Yes. SBA and conventional financing can fund a partner buyout or an associate buying into a practice, structured around the practice's cash flow.
Do I have to buy the building too?
No — you can finance just the practice (goodwill and equipment), or include the real estate if you're buying it.
What if I'm a new veterinarian buying my first practice?
That's a common SBA scenario. Lenders weigh the practice's cash flow heavily, so a strong practice can support a first-time buyer.