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Vets & veterinary practices · Ireland
Vet & veterinary
practice business loans.
Upgrade diagnostic equipment, refurbish your surgery or fund the next stage of your veterinary practice. We help Irish vets compare equipment finance and business loans through specialist and non-bank lenders, keeping everyday cash flow in mind while you invest in animal care.
Veterinary equipment finance
For suitable equipment in companion-animal, farm-animal and mixed practices.
- Ultrasound and imaging equipment, laboratory analysers and diagnostic machines
- Operating tables, anaesthetic equipment, monitoring systems and dental equipment
- Hire purchase or leasing on eligible new or used equipment
- No-deposit leasing available for smaller eligible items through one lender
- Other equipment-finance deals from €10,000, typically with a 10% dealer deposit
- Send a supplier quote so we can check the equipment and lender fit
Surgery fit-outs & expansion
For established practices renovating premises or opening another location.
- Term loans can support refurbishment, treatment rooms and wider premises work
- At least 12 months trading with one full year's completed accounts
- Latest accounts showing €100,000 or more turnover and a net profit
- No recent missed payments on business bank statements
- The lender assesses affordability and existing commitments
- Separate equipment purchases from building and installation costs when budgeting
Working capital & practice cash flow
For staffing, stock and the costs of growing the practice.
- Support recruitment, supplies, marketing and everyday business expenditure
- Unsecured term loans for practices meeting the completed-accounts criteria
- Flexible repayment options from 9 months trading with steady cash flow
- Around eight or more deposits a month for that flexible repayment option
- Compare the full cost and repayment pattern, not just the amount offered
Vehicles & everyday practice systems
For eligible business vehicles and the systems that keep the practice running.
- Business vehicles for mobile veterinary visits, subject to vehicle and lender criteria
- IT equipment, payment terminals and suitable security systems
- Equipment finance is tied to eligible assets, not every cost in a project
- Tell us about any deposit constraints before choosing a product
- The lender that asks for a 10% deposit can sometimes take a charge over an asset you already own to cover the deposit requirement, instead of you finding the cash.
BusinessLoans.ie arranges business finance only, not personal loans. Unsecured term loans are not registered against property or business assets, but some lenders ask for a personal guarantee. All options are subject to lender assessment.
Plan the whole practice investment
A new machine and a surgery renovation involve different costs. Compare asset finance for the equipment with term and flexible repayment loans for wider business expenditure. Include installation, staff training and any interruption to appointments in your cash-flow plan.
For vehicles used on farm calls or mobile visits, our commercial vehicle finance guide explains the deposit and VAT considerations. If the practice is just getting started, see our new-business finance page for the difference between early-stage support and established-business lending.
Guides for your industry
16 October 2026
How to Secure Equipment Finance in Ireland: A Guide
Table of Contents How to Secure Equipment Finance in Ireland: Step-by-Step What You'll Need Before You Apply Types of Equipment Finance Available Equipment Finance Application Requirements Documents Lenders Typically Ask
Read guide →
21 April 2026
Working Capital Finance as Costs Rise for Irish SMEs
How Irish SMEs can manage rising costs and cash-flow gaps: compare working capital finance, understand interest-rate risk and check repayments before borrowing.
Read guide →
27 October 2026
How to Prepare a Cash Flow Forecast for Your Small Business
A step-by-step guide to building a 12-month cash flow forecast for your small business in Ireland, with a worked example, a simple template layout and tips for keeping a rolling forecast up to date.
Read guide →
Common questions
Can I finance veterinary diagnostic or surgery equipment?
Suitable imaging, diagnostic, laboratory and surgery equipment may be considered for leasing or hire purchase. The lender reviews the equipment, supplier, age, value and your practice's financial position. Send a quote first so we can assess the options.
Can a loan cover a veterinary surgery fit-out?
A term loan can support refurbishment and wider premises costs for an established practice. Equipment finance may suit individual purchases within the project. Term-loan criteria include one full year's completed accounts, at least €100,000 turnover, a net profit and no recent missed payments.
Is equipment finance available without a deposit?
One lender offers no-deposit leasing for smaller eligible items. Other lenders generally consider equipment deals from €10,000 with a 10% dealer deposit. The lender that asks for a 10% deposit can sometimes take a charge over an asset you already own to cover the deposit requirement, instead of you finding the cash. Availability depends on the asset and lender.
Can a newly opened veterinary practice apply?
Equipment-finance requirements vary by lender and purchase, so ask us to check a specific quote rather than assume approval. Our term-loan options require at least 12 months trading and one full year's completed accounts. For pre-trading cash funding, a bank or Microfinance Ireland is a better starting point.
What should I send to get started?
For equipment, send a supplier quote and recent business bank statements. For a business loan, include your latest completed accounts, the amount needed and its purpose, plus details of existing finance. We will confirm any additional documents requested by the lender.
Do you charge a broker fee?
No. We do not charge clients a fee; lenders pay us a commission when funding completes. Lender interest and charges are separate and should be checked in the offer.
Free to you. Lenders pay us a commission when your loan completes. How we get paid