Cash advances for UK vet practices.
Funded against your card takings, consultation, surgery, medication, pet insurance settlement. Built for independent veterinary practices serving pet-first owners.
What MCA means for a veterinary practice.
Vet card volume is heavy, consultation fees, procedure charges, medication retail, pet food, diagnostic imaging, and insurance company settlements that often settle through card rails. Owners pay at the point of consultation for most small-animal work. The sector has consolidated sharply under corporate groups (IVC, VetPartners, CVS), which makes independent practices a clear and differentiated market. Independent practices often run strong private ticket values and healthy margins. MCA uses: equipment upgrade (ultrasound, digital radiography, dental unit), surgery build-out, second branch acquisition contribution, associate recruitment, membership plan launch, online prescription platform.
Sound familiar?
Diagnostic imaging upgrade, digital radiography or ultrasound.
DR system £20k to £50k, ultrasound £15k to £35k. Upgrade unlocks faster diagnoses and higher-margin case work.
Asset finance is often cheaper for named imaging kit, we'll compare honestly. MCA wins when speed and flexibility matter more than cost.
Second branch or additional consult room build-out.
Fit-out, planning, kit transfer, signage, launch marketing, £30k to £80k depending on scope.
MCA contributes to working capital. For the fixed fit-out element, a term loan often fits better. We'll structure both if needed.
Pet health plan launch, membership model for routine care.
Platform setup, marketing, onboarding incentives, £8k to £20k to launch a plan that drives recurring card-paid revenue.
MCA funds the launch. Plan members pay monthly by card, feeding directly into future MCA capacity. Long-term strategic play.
Here's what it actually costs.
An independent two-branch practice borrows £25,000 for a pet health plan launch and surgical equipment. Monthly card takings: £45,000 combined. £25,000. Average monthly card takings £45,000. Fixed cost 1.23. 10% daily repayment % on card sales, total cost £5,750.
These figures are illustrative. If a term loan or asset finance fits your situation better, we'll tell you.
Open the fixed cost calculator →Work out the real cost.
New businesses typically start at a higher daily % and a shorter term.
Illustrative only, not a quote.
- Advance£25,000
- vs card takings56%
- Fixed cost1.23
- Daily repayment£148
- Avg monthly£4,500
- Est. term6.8 months
Illustrative. The fixed cost is set on day one; daily repayment varies with takings. Term capped at 18 months.
Illustrative only, not a quote. Every figure here is subject to the funder. Funders advance anywhere from 100% up to 150% of monthly card takings, so 150% is not guaranteed, and the fixed cost is not guaranteed either. Your actual advance, fixed cost and terms depend on the funder and your business profile.
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Apply with these numbersOperators we've helped.
£20,000 funded a pet health plan launch and ultrasound upgrade, repaid in 6 months.
Illustrative composite. Two-branch independent practice, £42k/mo card takings. MCA at 1.22 factor, 10% daily repayment. Plan launch with marketing to existing client base drove 180 sign-ups in month one, monthly plan card revenue added £5k/mo by month six. Advance repaid comfortably on timeline.
Illustrative composite scenarioVeterinary practices, quick answers.
Depends on how insurers pay you. If they settle by card (some do), it counts. If by bank transfer (most corporate claims), it doesn't. Owner-paid portion at point-of-consultation is always card-paid and always counts.
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