BlogRankingIndustryBest Veterinary Clinics SBA Lenders of 2026

Best Veterinary Clinics SBA Lenders of 2026

February 2, 2026
Industry, Ranking
4 min read
$382.8M
Total Funded

307
Loans Approved

$1.2M
Avg Loan Size

8.75%
Avg Interest Rate

67
Active Lenders

SBA Loans for Veterinary Clinics Businesses

The Veterinary Clinics industry received $382.8M in SBA 7(a) loans across 307 businesses in 2025. With 67 lenders actively funding this industry, finding the right bank can make a significant difference in your rates and approval odds.

Working with an experienced SBA loan broker who understands the Veterinary Clinics industry can help you access lenders that specialize in your business type.

💡 Key Insight: The average SBA loan for Veterinary Clinics businesses is $1.2M with an average rate of 8.75%. Lenders who specialize in this industry often offer better terms and faster approvals.

SBA Loans by Business Type

Here’s how SBA 7(a) loans break down for Veterinary Clinics businesses by business stage:

🚀 Startups
46%
$199.0M • 142 loans

🏢 Existing Businesses
48%
$162.4M • 147 loans

🔄 Business Acquisitions
6%
$21.4M • 18 loans

Top 50 SBA Lenders for Veterinary Clinics (2025)

These are the banks that funded the most SBA 7(a) loan volume to Veterinary Clinics businesses, ranked by total volume:

Rank Lender Volume Loans Avg Rate
1 Live Oak Banking Company $219.2M 96 8.09%
2 Fifth Third Bank $71.3M 36 7.31%
3 The Huntington National Bank $18.0M 23 8.27%
4 Wells Fargo Bank National Association $8.1M 8 8.08%
5 Bank of America, National Association $6.2M 9 6.03%
6 Seacoast National Bank $5.1M 5 8.37%
7 First Bank of the Lake $5.0M 1 7.50%
8 Port 51 Lending LLC $4.1M 2 10.00%
9 UMB Bank, National Association $3.6M 2 7.00%
10 Cadence Bank $2.7M 3 10.08%
11 Manufacturers and Traders Trust Company $2.6M 5 11.15%
12 Merchants Bank of Indiana $2.6M 1 10.00%
13 Harvest Small Business Finance, LLC $2.6M 1 9.75%
14 Northeast Bank $2.5M 15 10.88%
15 U.S. Bank, National Association $2.3M 6 8.55%
16 First-Citizens Bank & Trust Company $2.1M 1 9.00%
17 American Momentum Bank $2.0M 2 9.50%
18 Newtek Bank, National Association $1.4M 6 11.08%
19 BayFirst National Bank $1.2M 9 12.25%
20 HOMEBANK $1.2M 1 9.00%
21 GBank $1.2M 2 9.75%
22 JPMorgan Chase Bank, National Association $1.1M 2 8.50%
23 Regions Bank $1.1M 1 7.89%
24 Readycap Lending, LLC $1.1M 3 11.17%
25 California Bank of Commerce, NA $1.0M 1 9.50%
26 Valley National Bank $993K 1 9.25%
27 Oriental Bank $896K 5 8.95%
28 First Community Bank $882K 1 9.00%
29 MidFirst Bank $814K 1 8.00%
30 United Midwest Savings Bank National Association $509K 1 10.50%
31 Lendistry SBLC, LLC $500K 2 11.75%
32 CenTrust Bank, A Division of SmartBiz Bank National Associat $500K 2 11.13%
33 Community Bank & Trust-West Georgia $500K 1 10.50%
34 TD Bank, National Association $485K 7 10.47%
35 Horizon Bank $483K 2 7.63%
36 River Bank & Trust $475K 1 9.00%
37 MidWestOne Bank $466K 1 9.50%
38 Banco Popular de Puerto Rico $408K 4 10.56%
39 Northwest Bank $362K 2 10.50%
40 Platte Valley Bank $350K 1 6.95%
41 Arvest Bank $350K 1 8.00%
42 Enterprise Bank $350K 1 9.00%
43 Truist Bank $338K 1 9.95%
44 First Financial Bank, National Association $315K 1 7.80%
45 WesBanco Bank, Inc. $296K 1 9.50%
46 Union Bank and Trust Company $285K 3 8.08%
47 Lake Ridge Bank $271K 1 7.90%
48 The Community Bank $261K 2 6.94%
49 FirstBank Puerto Rico $261K 1 9.50%
50 Southern Bank $230K 1 10.25%

🚀 Best Lenders for Veterinary Clinics Startups

Starting a new veterinary services business? These lenders funded the most startup loans in this industry:

Rank Lender Startup Volume Loans Avg Rate
1 Live Oak Banking Company $118.1M 47 8.22%
2 Fifth Third Bank $42.3M 24 7.54%
3 The Huntington National Bank $12.3M 11 7.77%
4 Bank of America, National Association $6.2M 9 6.03%
5 First Bank of the Lake $5.0M 1 7.50%
6 Manufacturers and Traders Trust Company $2.5M 3 11.33%
7 Seacoast National Bank $2.5M 2 9.00%
8 Wells Fargo Bank National Association $1.8M 5 8.20%
9 GBank $1.2M 2 9.75%
10 Oriental Bank $896K 5 8.95%

🔄 Best Lenders for Veterinary Clinics Acquisitions

Looking to buy an existing veterinary services business? These lenders specialize in acquisition financing:

Rank Lender Acquisition Volume Loans Avg Rate
1 Fifth Third Bank $4.3M 2 6.50%
2 Port 51 Lending LLC $3.5M 1 10.25%
3 Merchants Bank of Indiana $2.6M 1 10.00%
4 Seacoast National Bank $2.6M 3 7.95%
5 Cadence Bank $2.0M 1 9.75%
6 American Momentum Bank $1.9M 1 9.50%
7 Live Oak Banking Company $1.4M 3 8.58%
8 HOMEBANK $1.2M 1 9.00%
9 Valley National Bank $993K 1 9.25%
10 Horizon Bank $483K 2 7.63%

🏢 Best Lenders for Existing Veterinary Clinics Businesses

Already running an established veterinary services business? These lenders have funded the most loans to existing businesses in your industry:

Rank Lender Volume Loans Avg Rate
1 Live Oak Banking Company $99.7M 46 7.93%
2 Fifth Third Bank $24.6M 10 6.90%
3 Wells Fargo Bank National Association $6.3M 3 7.88%
4 The Huntington National Bank $5.2M 10 8.77%
5 UMB Bank, National Association $3.2M 1 6.50%
6 Harvest Small Business Finance, LLC $2.6M 1 9.75%
7 Northeast Bank $2.3M 13 10.75%
8 First-Citizens Bank & Trust Company $2.1M 1 9.00%
9 U.S. Bank, National Association $1.7M 3 7.33%
10 BayFirst National Bank $1.2M 9 12.25%

Top States for Veterinary Clinics SBA Loans

Here are the states with the highest SBA lending volume for Veterinary Clinics businesses:

Rank State Volume Loans
1 Florida $55.6M 40
2 Texas $44.8M 32
3 California $35.6M 24
4 Pennsylvania $22.0M 14
5 Georgia $16.4M 11
6 New York $16.0M 11
7 Virginia $15.3M 4
8 Missouri $13.7M 10
9 Utah $13.4M 4
10 New Jersey $12.6M 10
11 Louisiana $10.3M 4
12 Washington $9.5M 5
13 Colorado $9.2M 10
14 New Hampshire $8.2M 4
15 Maryland $7.6M 5
16 Ohio $7.5M 12
17 North Carolina $7.3M 5
18 Idaho $6.6M 4
19 Mississippi $6.5M 5
20 South Carolina $6.3M 5
21 Connecticut $4.9M 3
22 South Dakota $4.4M 2
23 Michigan $3.8M 10
24 Tennessee $3.8M 5
25 Illinois $3.6M 3
26 Iowa $3.4M 2
27 Kentucky $3.3M 2
28 Arizona $3.3M 5
29 Maine $3.2M 2
30 Arkansas $3.1M 2
31 Delaware $2.8M 3
32 Alaska $2.4M 2
33 Oklahoma $2.4M 3
34 Indiana $2.3M 2
35 Oregon $2.1M 3
36 Massachusetts $1.6M 4
37 Puerto Rico $1.6M 10
38 Kansas $1.1M 2
39 Nevada $1.1M 5
40 Vermont $997K 1
41 Alabama $932K 3
42 Wisconsin $770K 4
43 Nebraska $685K 5
44 New Mexico $300K 1
45 Minnesota $250K 2
46 Rhode Island $235K 1
47 Wyoming $200K 1

Top Cities for Veterinary Clinics SBA Loans

Jupiter, Fl

$6.0M
Volume

2
Loans

Post Falls, Id

$5.6M
Volume

2
Loans

Saint Augustine, Fl

$5.1M
Volume

2
Loans

Lehi, Ut

$5.0M
Volume

1
Loans

Mamaroneck, Ny

$5.0M
Volume

1
Loans

Pittsburgh, Pa

$5.0M
Volume

1
Loans

North Wales, Pa

$5.0M
Volume

1
Loans

Ballwin, Mo

$5.0M
Volume

1
Loans

Amarillo, Tx

$5.0M
Volume

1
Loans

Rock Hill, Ny

$5.0M
Volume

1
Loans

Alhambra, Ca

$5.0M
Volume

1
Loans

South Salt Lake, Ut

$5.0M
Volume

1
Loans

Stafford, Va

$5.0M
Volume

1
Loans

Olympia, Wa

$5.0M
Volume

1
Loans

Orange, Ca

$5.0M
Volume

1
Loans

Roanoke, Va

$5.0M
Volume

1
Loans

🤝 Why Use an SBA Broker for Veterinary Clinics Loans?

GoSBA Loans has extensive experience financing Veterinary Clinics businesses:

  • Industry expertise — we know which lenders specialize in Veterinary Clinics
  • Access to 67+ lenders — including banks that don’t accept direct applications
  • Better rates — our relationships help secure competitive terms
  • Faster approvals — proper preparation leads to quicker decisions
  • Free service — lenders pay us, you pay nothing extra

📞 Get Expert Help with Your Veterinary Clinics SBA Loan

Our team specializes in SBA financing for Veterinary Clinics businesses. Let us match you with the right lender for your specific needs.

Need SBA financing for your Veterinary Clinics business? GoSBA Loans specializes in SBA loans for Veterinary Clinics businesses. Contact our industry specialists today for a free consultation.

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http://gosbaloans.com

Ishan Jetley is the owner of GoSBA Loans. I have assisted 100's of businesses with their business loans. I specialize in SBA financing for working capital, real estate and business acquisitions.

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