Veterinary practice financing

We offer tailor-made tax efficient solutions from our range of veterinary loans, leasing and hire purchase products. Our specialist finance team understand the financial challenges you face within the veterinary sector.

Veterinary finance designed to help your business succeed

Our bespoke funding solutions are designed to help you grow and develop your veterinary business. We can provide finance solutions to suit your needs, immaterial of the location or size of your practice.
Our experience ranges from financing large CT scanners, portable x-ray machines, practice refurbishments to IT solutions and vehicles.
Our online patient finance Fast Track facility provides your practice with an enhanced service which you can offer to your clients, available 24/7 with an instant decision, it can also assist with business cash flow.

Why use Braemar for veterinary finance?

Veterinary finance agreement types

Our range of leasing, hire purchase and loan products allow for fixed monthly repayments enabling you to budget with confidence whilst enhancing your cash flow.

  • Hire purchase
  • Leasing
  • Tax loans
  • Personal loans
  • Consolidation loans
  • Business loans
  • VAT loans

Hire Purchase allows outright ownership of the asset and enables you to spread the cost over a term that suits you.

  • Expenditure may be allowable against taxable profit within your Annual Investment Allowance in the year of purchase to the sum of £200,000
  • Easier cash flow budgeting as repayments are fixed
  • Capital preservation - existing funds can be used elsewhere
  • Interest charges can be offset against profits for taxation
  • Outright ownership on completion of the agreement

If you want to maximise the use of your equipment without the responsibility of owning it, leasing will give you the freedom and flexibility you need.

  • Easier cash flow budgeting as repayments are fixed
  • Capital preservation - existing funds can be used elsewhere
  • No upfront deposits required
  • Protection of existing credit lines, making any further borrowing easier
  • Fixed payments - tailored to suit your individual circumstances
  • Tax efficient - repayments may be offset against taxable profit
  • Up to date equipment - be ahead of your competitors

Tax loans permit you to spread the cost of your tax demand into affordable monthly payments.

Benefits of a tax loan:

  • Control of cash flow
  • Fixed monthly payments
  • Flexible repayment terms
  • Free CHAPS transfer
  • Protects existing bank facilities
  • Quick and simple to arrange
  • HMRC receive payment on time


A personal loan is a form of borrowing that can be used for virtually any purpose which is both easy and convenient and allows you greater flexibility.

Personal loans can be used for virtually any purpose such as:

  • Tax bill funding
  • School fees
  • Home improvements
  • Weddings
  • Holidays

If you have a number of existing agreements, credit card balances and other regular finance overheads, a consolidation loan may be the way forward.

Benefits of consolidation and refinancing:

  • Combines finance commitments
  • One monthly payment
  • Over a term to suit
  • Simplifies cash flow
  • Improved budget control


When buying into or starting up a new business, you may need to borrow funds to support the purchase or invest in renovation.
Veterinary business loans can be used for:

  • Acquisition finance
  • Refurbishment projects
  • Capital injection / release
  • Buy in / buy outs


VAT loans allow you to spread the cost of your tax liability into affordable monthly payments.

Benefits of a VAT loan:

  • Take the pressure off working capital
  • Smooth cash flow peaks and troughs
  • Fixed monthly payments
  • Quick and simple to arrange
  • Can be paid directly to HMRC

Veterinary finance products

  • Equipment finance
  • IT finance
  • Vehicle finance
  • Client finance: Fast Track

Veterinary equipment finance can be used for profession specific equipment as well as provide funding for a total refurbishment.
We can deal directly with suppliers on your behalf, allowing you to concentrate on your daily business.
We finance veterinary equipment such as:

  • Veterinary tables
  • Anaesthesia equipment
  • X-Ray equipment
  • ECG machines
  • Ultrasound
  • Practice furniture
  • Respiratory ventilators
  • Infusion pumps
  • Video otoscopes
  • Defibrillator
  • Veterinary dental equipment
  • Autoclaves

Our IT finance solutions ensure that any applicable tax advantages are taken into consideration when looking at the funding you require. All related costs can be combined under one agreement, offering easier management of your cash flow.
IT finance can be used for items such as:

  • Updating hardware / software
  • New monitors, keyboards and mice
  • Scanners / photocopying machine
  • Tablets and iPads
  • Operating licences and renewals
  • IT system installation
  • Training
  • Maintenance

We are experienced in all aspects of new and used vehicle finance. We can help you upgrade your existing vehicle, buy an additional car or a fleet for your business and we can provide a finance package, incorporating balloon payments or refinancing, whatever your circumstances require. 
 Vehicle finance can be used for:

  • Buying a second car
  • Change of existing vehicle
  • Purchase of a classic car


Our client finance Fast Track provides options which can be incorporated into your veterinary practice. Our Fast Track finance facility offers your pets owners funding for the procedures or treatment plans they require at a monthly cost they can afford.

Benefits include:

  • Online application available 24/7 for your clients
  • Instant decision received
  • Choice of interest free finance and interest bearing
  • Enhanced service for your pet owners
  • Improves cash flow
  • Unforeseen expense becomes affordable
  • Your business is paid at the beginning of the treatment

Click here for more information on Fast Track, our client finance product

View our step by step guide to incorporating Fast Track client finance into your business

Veterinary finance client testimonials

Awarded Top Professions Funder at the Leasing World Awards 2018

LeasingWorld 2018 winner

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