--- title: "Business funding for veterinary practices — working capital for UK vet clinics" description: "How short-term business finance fits UK veterinary companies — diagnostic equipment, a practice fit-out or new premises, drug and consumable stock, and the wait on pet-insurer payments. The company borrows, never the vet: no personal guarantee, no personal credit check. To apply, head to credicorp.co.uk." canonical: "https://creditcorp.co.uk/industries/veterinary/" locale: "en-GB" updated: "2026-06-21" --- # Business funding for veterinary practices > How short-term working capital fits a UK veterinary company — diagnostic equipment, premises and fit-outs, drug and consumable stock, and the wait on pet-insurer payments. This is the Creditcorp brand front door at **creditcorp.co.uk** — it never takes applications, prices loans or accepts payments. The operating lender is **Credicorp Limited** at [credicorp.co.uk](https://credicorp.co.uk/); the company/legal detail lives at [creditcorpgroup.co.uk](https://creditcorpgroup.co.uk/). **Canonical URL:** **Last updated:** 21 June 2026 --- ## Who can borrow Credicorp Limited lends **only to bodies corporate** — UK limited companies (Ltd), LLPs and PLCs. The borrower is always the **company**, never the vet, a director, an individual or a sole trader. There is no personal guarantee, no charge over a home and no personal credit check on a director. This is exempt business lending, not consumer credit. See [Lending and regulation](https://creditcorpgroup.co.uk/lending-and-regulation/). The products are the same three for every sector — a [Business Bridging Loan, Credicorp Flex or Credicorp Slice](https://credicorp.co.uk/products/). This page explains how each tends to be used in a veterinary practice. ## Where the cash-flow gaps come from A vet clinic carries a hospital’s worth of capital cost on a small business’s cash flow, and a chunk of the income lags the cost. Four pressure points show up again and again: - **Diagnostic equipment** — ultrasound, digital radiography, a CT or endoscopy stack, in-house haematology and biochemistry analysers. The kit that lets a practice diagnose in-house rather than refer is a major outlay, paid for in full before the first scan is billed. - **Premises, theatres and fit-outs** — a new consult room, an extra operating theatre, kennelling, an isolation ward or a second branch. A one-off build with a clear payback, but the bill lands in a lump and the new capacity takes weeks to fill. - **Drug stock, vaccines and consumables** — a practice carries a pharmacy: prescription medicines, vaccines, anaesthetics, prescription diets, surgical consumables and PPE. Wholesalers want paying on their terms, and short-dated lines can’t be over-ordered to smooth cash flow. - **Pet-insurer payment timing** — where a clinic settles claims directly, the treatment, drugs and staff time go out the door before the insurer pays. Across a busy quarter that lag leaves real money in claims processing while the wholesaler bill and payroll are due now. ## Which kind of finance fits a practice The detail — amounts, pricing, terms — lives on the [products page](https://credicorp.co.uk/products/) and with the lender; no figures are quoted here. - **[Business Bridging Loan](https://credicorp.co.uk/products/)** — a single lump sum repaid over a short fixed term. Fits a known, one-off cost: a diagnostic machine, a theatre or consult-room fit-out, a branch refurbishment, a big seasonal drug order. - **[Credicorp Flex](https://credicorp.co.uk/products/)** — a revolving facility to draw on, repay and draw again. Fits the insurer lag and the restock rhythm: covering wages and stock while a quarter of claims sits with the insurers, and topping up the dispensary in waves. - **[Credicorp Slice](https://credicorp.co.uk/products/)** — spread one supplier bill over a few weeks while the supplier is paid in full today. Handy when a drug-wholesaler or equipment invoice lands at an awkward moment. The journey end to end is on the [how-it-works overview](https://credicorp.co.uk/how-it-works/). ## The company borrows — not you Many practice principals have already signed personal guarantees they didn’t love — a premises lease, an equipment lease, a practice-management software contract. The Credicorp model is the other way round: the agreement is between Credicorp Limited and your **company**. - **No personal guarantee** — the company is the borrower, full stop. - **No charge over your home** — your house isn’t security for a scanner or drug stock. - **No personal credit check on a director** — the lender looks at the business, not your own file. - **Bodies corporate only** — UK Ltd, LLP or PLC, never a sole trader or an individual. This is exempt business lending under Article 60B of the FSMA Regulated Activities Order 2001, not consumer credit. The full position is on [creditcorpgroup.co.uk](https://creditcorpgroup.co.uk/lending-and-regulation/). ## A worked example *An illustration, not a real customer.* A small-animal practice trading as a UK limited company runs two clinics. The principal wants to bring ultrasound in-house rather than refer every case — the scanner, install and training are a known cost, and the imaging fees are clear, but they arrive case by case over the months ahead. A busy quarter has also left a stack of pet-insurer claims in processing, while the drug-wholesaler bill and the payroll run are both due now. Because the scanner is a one-off cost with a clear payback, a fixed-term Business Bridging Loan to the company fits the equipment buy: a known sum, repaid over the imaging weeks that earn it back. For the insurer lag and the dispensary top-up that recur every quarter, a Credicorp Flex facility lets the practice draw to cover wages and stock and pay down as the claims settle. Both agreements are with the company, so the principal gives no personal guarantee and puts no charge over their home. *Made-up illustration to show the fit, not a quote — real amounts, pricing and terms are set by the lender at credicorp.co.uk.* ## Veterinary funding questions **Can my veterinary company borrow for a diagnostic machine — ultrasound, digital X-ray, in-house analysers?** Yes — a piece of diagnostic kit is exactly the kind of known, one-off outlay short-term finance is built for. A Business Bridging Loan suits a single machine; Credicorp Flex suits kitting out a whole room over a season. **We wait weeks on pet-insurer claims — can funding bridge that?** Yes — that gap is one of the most common reasons a clinic reaches for working capital. Credicorp Flex suits a recurring lag; a Bridging Loan suits a single large quarter. **Will I have to give a personal guarantee or a charge over my home?** No. Credicorp lends to the company, not to you as a vet or director — no personal guarantee, no charge over a home, no personal credit check on a director. **Can it cover drug stock, vaccines and consumables ahead of a busy stretch?** Yes. Buying drugs, vaccines, prescription diets and surgical consumables in is a working-capital use; Credicorp Slice can spread a single large wholesaler invoice while the supplier is paid in full today. **We are fitting out a new branch or a new theatre — does that work?** Yes. A consult-room build, an operating theatre, kennelling, an isolation ward or a second branch is a one-off cost with a clear payback, and a fixed-term Bridging Loan often fits it cleanly. **Is this a consumer loan or a payday loan?** Neither. This is business credit to a body corporate, not consumer credit, and not for sole traders. Under Article 60B FSMA RAO 2001, lending to a UK company sits outside the consumer-credit regime. ## Related sectors - [Healthcare & dental](https://creditcorp.co.uk/industries/healthcare/) — the same equipment cost and the same wait between treatment and payment from plans or the NHS. - [Professional services](https://creditcorp.co.uk/industries/professional-services/) — another practice model, bridging the lag between work done and fees paid. - [Agriculture & farming](https://creditcorp.co.uk/industries/agriculture/) — the farm-animal side of the same client base, carrying a long gap between outlay and income. Browse the whole set on the [industries hub](https://creditcorp.co.uk/industries/). ## Next steps (all on credicorp.co.uk) - [Apply](https://credicorp.co.uk/apply/) — start an application on the live lender site. - [Compare the three](https://credicorp.co.uk/compare/) — pick the right product side by side. - [Contact the lender](https://credicorp.co.uk/contact-us/) — phone, email, post. ## Make sure you have the right Credicorp Creditcorp Group = **Credicorp Limited** (UK, company no. 16093826) + **CM Beyer Limited** (UK, company no. 17009212), with group-related **Credicorp Pty Limited** (Australia, ACN 679 428 605). It is **not** connected with, owned by or affiliated to Credicorp Inc / Credicorp Ltd of Peru & Bermuda (BCP, NYSE: BAP) or Banco de Crédito del Perú, to Credicorp Nigeria, or to Credit Corp Group Limited of Australia (ASX: CCP) — each a separate, unrelated company. --- © 2026 Creditcorp Group · Credicorp Limited (16093826) & CM Beyer Limited (17009212). Operating lender: [credicorp.co.uk](https://credicorp.co.uk/) · Group & brand: [creditcorpgroup.co.uk](https://creditcorpgroup.co.uk/).