Start-up Finance for your Veterinary Practice

Starting your own practice could be more achievable than you think


Asset Finance

  • Spread the cost of any equipment
  • Use the latest technology
  • Buy with monthly payments
  • Lease with no upfront cost


  • Secured and Unsecured loans
  • Borrow for any purpose
  • Predictable monthly repayments
  • Tailored to your cashflow

Any funding need

  • Equipment
  • Deal with overheads
  • Pay staff
  • Fund marketing - training - development

Talk to Rangewell – the business finance experts

If you are ready to launch your own veterinary practice, we can search the entire UK lending industry to provide the funding you need.

Setting up a successful new veterinary practice can demand a surprising amount of funding - and getting the right solutions is essential.

Starting up your own veterinary practice means some exciting professional challenges. You can work with the type of animals you are interested in - be it companion animal, equines, livestock or exotics. You can work when and where you want - although when it’s your own veterinary practice, it will probably take up all your time.

The financial challenge for veterinary start-ups

Your veterinary practice will be based on your professional skills. But if you want to start up your own veterinary practice, you will also need a solution for the key financial challenges.

  • You will need veterinary equipment - from instruments to apparatus like ultrasound and digital x-ray
  • You will need premises - a surgery where you can provide treatment, an office and storage, and a reception area
  • You will need a vehicle - a car for home visits or even a mobile surgery
  • You will need working capital in the crucial weeks and months as your veterinary practice finds its feet

So if you want to set up your own veterinary practice, how can you find the funding to provide premises, set up a surgery, buy equipment, a vehicle and more?

It’s not simply a matter of going to the bank and asking for finance. These days, banks are rarely able to help start-ups.

Even the new breed of online business lenders usually want evidence of a year’s trading, with online accounts and VAT returns before they will consider an application.

But there are ways to raise the funding you need, and lenders who can be sympathetic. At Rangewell, we can show you all the options, with specialised funding for start-ups.

The types of funding you might need

Asset Finance can provide the veterinary equipment - and vehicles - you need to get started.

Asset Finance covers a range of funding solutions designed to let you spread the cost of equipment. Solutions include:

Hire Purchase & Leasing

Hire Purchase lets you spread the costs of equipment in regular monthly instalments over up to 5 years. Leasing lets you use equipment without having to buy it, making it ideal for technical equipment which could go out of date, such as portable x-ray and ultrasound, or even your bloods machines, where high cost and complication can make buying problematic.

A Commercial Mortgage for your new veterinary surgery

Premises will be a major cost for your new practice, but buying them with a Commercial Mortgage may cut costs compared with leasing. Commercial Mortgages can be used to help you buy a surgery or even an existing practice.

Commercial Loans for veterinary start-ups

There are two types of commercial loan - Secured and Unsecured - which could help provide the funding you need.

Secured Loans must be supported by security, such as your home, that the lender would take and sell if you became unable to make repayments. This reduces the risk to lenders and allows them to reduce the cost of finance to you, with rates that can be as low as 2% above base rate, and ten or more years to repay.

Unsecured business loans are much like a personal loan. The loan is repaid in monthly or quarterly instalments over an agreed term under 5 years. Decisions can be fast but the amount you can borrow may be limited.

Government-backed Start-up Loans for veterinary start-ups

Government-supported start-up loans are now available to entrepreneurs who are looking to start a business - even in the veterinary sector. The scheme is designed to provide loans to businesses in every sector - but will need to be matched with commercial funding.


  • Find funding to allow a new veterinary practice to acquire premises

  • Help find the most competitive funding to fund the first months of a new practice

  • Source a professional loan for dentist ready to start a veterinary practice

  • Find the most competitive lender for  veterinary equipment and spread the cost with HP

  • Help arrange ‘jigsaw’ funding for all aspects of a vet’s start-up

Getting the help you need with your veterinary start-up from Rangewell

Coming to Rangewell means getting a team of financial experts working for you and your new practice. They can help you find the funding you need.

This can include ‘Jigsaw’ funding. Jigsaw Funding is a bespoke package made up of the most appropriate type of funding for each need. We have found that this type of tailored funding can help access a higher level of funding that could be provided by a single finance option - and reduce costs overall.

We can help you with financial solutions that can scale to fit your practice as it grows and find the most competitive rates for all types of finance, including Professional Loans, Unsecured and Secured Loans, Invoice Finance, Asset Finance, Merchant Cash Advance, Commercial Mortgages, Growth Finance and more.

To find out more about setting up the finance you need to set up your practice, simply call us. Our experts are ready to help.

Helping you build your profits

Funding to suit your plans

Every practice is different, and we can work with you to find financial solutions designed around your particular circumstances.

Take your pick of the lending market

We understand all types of business finance, with thousands of products from hundreds of suppliers.

Experience in the veterinary sector

Our expert team includes people who have worked with vets setting up their practices. They understand the challenges you face, and know the answers.

Jigsaw Finance

You may need finance with different types of lending for specific purposes. Because we cover the entire business lending market, we can help you find tailored jigsaw funding.

Getting government support

Government Start-up Funding can help provide the investment you need. At Rangewell, we can help you secure it.

Finance that can grow with you

Having flexible funding that can grow with you could help you make the most of the potential of your practice.

Download Rangewell’s free and detailed guide to business lending for Veterinary Practices

Rangewell Ebook - Download Rangewell’s free and detailed guide to business lending for Veterinary Practices
  • What business finance solutions are available for your veterinary practice?

  • How can Asset Finance keep your equipment up to date?

  • Finding the right finance package for any purpose from a wide range of financing options - whether it's cash flow support, equipment needs, tax bills, buying your site, buying a second site, working capital boosts or growth

  • How to apply for finance for your veterinary business - what paperwork will you need to present?

  • Is it important to choose a provider who is authorised and regulated by the financial conduct authority?

  •  What is the difference between long- and short-term veterinary finance?

  • Get the financial assistance your practice needs for any kind of funding problem

  • If I'm submitting financial details online to a lender, is it secure - does it matter if the website uses cookies?

  • Are practices only eligible for business finance in the UK - Northern Ireland, Scotland, England and Wales?

  • Download this free resource now and find out how to get the financial support you need for your veterinary practice

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An additional commitment

Borrowing may be a long-term commitment, with ongoing monthly repayments which will affect your cashflow.

You may need to repay

If you sell your business, you may need to repay your borrowing.

Borrowing may be a personal liability

Lending will be secured on your practice, but you may be personally responsible for repayment with some types of loan.

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Every type of finance for every type of business from the entire market - over 300 lenders.


Specialist Finance Experts support you every step of the way.


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