Invoice Financing for Veterinary Practices
If your veterinary practice serves rescues, shelters, municipalities, or commercial clients with payment terms, stop waiting 30-60 days for payment. Turn outstanding invoices into immediate capital to keep your practice running smoothly.
How much funding do you need?
Drag the slider or type an amount
B2B Revenue in Veterinary Practices
Many veterinary practices have significant B2B revenue from municipal contracts, rescue organizations, and commercial clients. These invoices often have 30-60 day payment terms that create cash flow gaps.
Municipal Contract Volume
Veterinary practices with animal control contracts often have $5,000 to $50,000+ monthly in municipal invoices with Net 30-60 payment terms.
Rescue Organization Growth
Animal rescue organizations have grown 40% in the past decade. Many partner with veterinary practices for spay/neuter and medical services.
Government Payment Delays
Municipal and government clients often pay slowly due to bureaucratic processes. Net 30 terms frequently stretch to 45-60 days.
Commercial Boarding Contracts
Practices with commercial boarding, breeding facility, or kennel contracts often have significant B2B receivables.
The B2B Veterinary Payment Challenge
Invoice financing solves the timing gap between work completed and payment received.
Municipal Contract Timing
County and city animal control contracts pay Net 30-60. Your costs for care, supplies, and staff are incurred immediately.
Rescue Organization Delays
Rescue groups and shelters often operate on tight budgets with delayed payment cycles. Good work waits for payment.
B2B Growth Limited
You want more contract work but cannot afford to float large invoices for 30-60 days while waiting for payment.
Cash Flow Gaps
Large B2B invoices create substantial receivables that tie up capital you need for daily operations.
Seasonal Contract Work
Some contract work is seasonal. Spring kitten season creates large invoices that take months to collect.
Supply and Staff Costs
Contract work requires supplies and staff time paid immediately while invoice payment is delayed.
Veterinary Invoice Financing Process
Simple process to convert B2B invoices to immediate cash.
Submit Invoices
Submit your B2B invoices from qualified clients like municipalities, rescues, or commercial accounts.
Same day
Client Verification
We verify the invoice and client creditworthiness. Government and established organizations typically qualify.
24 hours
Advance Payment
Receive up to 85% of invoice value deposited to your account.
24-48 hours
Balance Settlement
When your client pays, receive the remaining balance minus the factoring fee.
Upon payment
Turn Contract Invoices Into Capital
Invoice financing advances you a significant portion of your B2B invoice values immediately, so you can continue operations, pay staff, and purchase supplies while waiting for clients to pay.
Immediate Capital
Get up to 85% of your invoice value within 24-48 hours instead of waiting 30-60 days.
All B2B Clients
Municipal contracts, rescue organizations, breeding operations, and commercial clients qualify.
Client Credit Based
Government and established organizations are creditworthy. Your invoices have value based on the payer.
Selective Financing
Choose which invoices to finance. Use it when you need to accelerate specific receivables.
Take More Contracts
Accept larger contracts without worrying about floating costs until payment arrives.
Non-Notification Options
Clients can continue paying you directly in some arrangements, keeping financing private.
Veterinary Invoice Financing Uses
Common B2B veterinary invoices that qualify for financing.
Municipal Contracts
City and county animal control contracts for shelter medicine, spay/neuter, and emergency services.
Typical funding: Up to 85% advance
Rescue Organization Work
Medical services, spay/neuter, and emergency care for animal rescue organizations.
Typical funding: Up to 85% advance
Commercial Boarding
Veterinary services for commercial boarding facilities, kennels, and doggy daycares.
Typical funding: Up to 85% advance
Breeding Operations
Reproductive services, wellness, and medical care for breeding facilities.
Typical funding: Up to 85% advance
Pet Store Partnerships
Wellness clinics and services provided to pet stores and retail partners.
Typical funding: Up to 85% advance
Insurance Receivables
Some pet insurance direct-pay arrangements create factoring opportunities.
Typical funding: Up to 85% advance
Invoice Financing vs. Other Options
Compare invoice financing to other veterinary funding solutions.
| Feature | Invoice Financing | Working Capital Loan | Line of Credit |
|---|---|---|---|
| Collateral | Invoices | Business assets | Business assets |
| Credit Focus | Client credit | Your credit | Your credit |
| Funding Speed | 24-48 hours | 1-5 days | Same day draws |
| Repayment | When client pays | Fixed schedule | Flexible |
| Best For | B2B heavy practices | General needs | Variable needs |
| Scales With | Invoice volume | Loan amount | Credit limit |
| Ongoing Access | Per invoice | Reapply | Revolving |
| Cost Structure | Factoring fee | Interest rate | Interest on draws |
Veterinary Invoice Financing Requirements
Requirements for veterinary B2B invoice financing.
B2B Invoices
Outstanding invoices from creditworthy commercial or government clients.
Net 30-60 invoices
Creditworthy Clients
Invoices to municipalities, established rescues, and commercial operations qualify.
Government or established business
Invoice Documentation
Clear invoice documentation showing services rendered and payment terms.
Standard invoices
Minimum Invoice Size
Individual invoices should meet minimum size requirements for efficiency.
$2,500+ per invoice
Service Completion
Services must be completed and invoice valid. No disputed invoices.
Work completed
Operating Practice
Active veterinary practice with established B2B relationships.
6+ months B2B history
This product is ideal for practices with significant municipal, rescue, or commercial contract revenue. Practices with primarily retail clients may prefer other funding options.
Real Results
Metro Animal Care Services
Mixed Practice with Municipal Contract, Texas
The Challenge
The practice had a $35,000 monthly municipal contract for animal control services plus $15,000 monthly from rescue organizations. Both paid Net 45-60 days. The practice was floating $50,000+ in receivables while paying staff and supplies immediately.
The Solution
Invoice financing facility providing 80% advance on qualified B2B invoices. Municipal and rescue invoices funded within 48 hours of submission. Non-notification arrangement kept client relationships unchanged.
The Result
Immediately freed up $40,000 in working capital. Practice able to take on additional rescue organization work. Cash flow smoothed for operations, payroll, and supply purchases. Expanded B2B revenue by 30% with confidence to float larger contracts.
“We were always waiting for the county to pay while scrambling to cover payroll. Now we submit invoices and have cash in 48 hours. We even took on a second rescue organization because we can afford to float their invoices.”
Veterinary B2B Invoice Data
Statistics on B2B invoicing in veterinary practices.
Invoice Financing Benefits for Vet Practices
Advantages of invoice financing for practices with B2B revenue.
Cash Flow Acceleration
Convert 30-60 day receivables into immediate working capital.
Client Credit Based
Approval based on client creditworthiness, not your credit history.
Growth Enablement
Take on larger contracts knowing you can fund operations while waiting for payment.
Selective Use
Finance specific invoices as needed rather than committing to ongoing debt.
Relationship Preservation
Non-notification options keep financing private from your clients.
Scalable
Financing grows with your B2B volume. More invoices means more available capital.