Vetrepreneur: A Doctor of Veterinary Medicine that operates a business or businesses. If you have proven success with your existing practice(s), why not continue to broaden your brand? Owning multiple veterinary practices isn’t for everyone, but with the right management team in place, it can be a great way to create multiple revenue streams and build your wealth.

The Live Oak Veterinary Lending Team knows what it takes to expand your business empire and maintain the right financial balance between all of your practices. From your initial conversations with a loan specialist, until closing, you can expect superior service and advice from a team member that genuinely understands the veterinary industry.
Live Oak is eager to offer financing solutions to help you reach your practice goals.

There are no upfront costs or fees for our pre-approval and underwriting process. These are the three main steps you can expect when you connect with a loan specialist to get your loan started:


Our veterinary lending experts will talk to you in detail about your existing practice(s) and about your goals for growth. After this initial conversation, you will receive an email with application forms. Once the application is received, we will be conducting due diligence on our end, including running a preliminary cash flow analysis as well as a credit pull. The pre-approval process typically takes 24-48 business hours to complete once the application is received. If pre-approved, the loan officer will then issue a proposal letter to you with rates, terms and all collateral requirements.


Once the proposal is signed and returned, your underwriter will work alongside a credit officer to obtain final approval for your loan. We know that all acquisition deals are unique, so although technology streamlines our process, all of the credit decisions are made by humans. On average, underwriting takes one to two weeks, and if approved, you will receive a commitment letter outlining the details of the approval.


Once you have returned the signed commitment letter, your loan will be assigned to a Veterinary Loan Closing Specialist. Closing takes approximately 45-90 days on average. Our Veterinary Lending Team only works on veterinary loans all day every day, so they understand the intricacies of the industry and will work with you as quickly as possible to accommodate timelines.

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Acquisition Guide

Consider this guide veterinary practice ownership 101. This free, downloadable resource will set you on a path to success for acquiring a veterinary practice.

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