Ever Been Rejected? It Sucks.
Veterinary Financing:5>1.
5 Lenders.
1 Consumer Application.
1 Performance Dashboard.
Say Goodbye to Your Single Lender Pain.
The Pain
The pet needs care now.
The decline says wait.
One lender. One answer.
A single decline ends the conversation, even when another lender in the market would have said yes.
Emergencies don't reschedule.
Slow decisions force impossible choices in an exam room that can't pause.
Fee structures that eat the job.
Program costs and platform charges quietly shrink the margin you thought you priced in.
Economic euthanasia is real.
Treatable cases end badly when there is no way to spread the cost.
Representative product examples
What the waterfall can put in front of your patients.
Product options drawn from the current lender programs. These are representative product examples, not case studies. Terms, approvals and fees vary by product, applicant and state, and are disclosed at time of application.
Treatment plan, financed
Risk-Based Installment
- Fair credit and better
- 3 – 60 month terms
- Up to 24.99% APR
- Up to $25,000
Elective procedure, 0% promo
True 0% APR Promotional
- Prime and above
- 3 – 36 month terms
- 0% APR — not deferred interest
- Zero interest to the patient
Lower-credit patient, approved
Wide-Spectrum Installment
- All credit tiers (475+)
- 12 / 24 / 48 month programs
- Risk-based APR, varies by state
- Up to $15,000
Payment plan, in-house feel
Sub-Prime Installment Plan
- All credit tiers
- Up to 24 months
- 0% to the patient
- Up to $7,500
How it works
Application
One mobile-first application, under 3 minutes, soft credit pull.
Waterfall routes it
The application moves through the lender stack to the best-fit lender in real time.
Customer gets their offer
They see the best available offer for their credit profile — not a single lender's answer.
Merchant gets paid
Funding settles through the lender, tracked in one dashboard alongside every other application.
Power Your Team & Create More Happy Customers.
Managing multiple lenders takes time your team doesn't have; different applications, different rules, different accounting requirements for every program.
One Lending Dashboard to Drive Your Business changes that math. See every application, every KPI, full performance in one place.
Your customers want financing.
Your customers need financing.
One application - not a series of hope-and-pray submissions to lender after lender. Your customer gets the best offer for their situation, period.
The rules have changed. You are no longer restricted and limited to a single-lender solution. Power your business with Better Financing.
- True 0% APR Programs
- Subprime to Prime Lending Solutions
NO ANNUAL PLATFORM FEE.
NO ACCESS FEE. EVER.
Transaction-level rates and fees vary by product and are disclosed at time of application.
You will close more. You will save time. You will save money. You will be better. Your customers will be happier.
Veterinary Financing FAQ
Can a pet owner get approved during an emergency visit?
Yes. The application is mobile-first and typically completes in under 3 minutes, so an owner can apply in the lobby and get a decision before the treatment decision is made.
What happens if the first lender declines the pet owner?
The application routes automatically to the next best-fit lender in the waterfall instead of ending at a single no.
Does applying affect the pet owner's credit score?
No. Pre-qualification uses a soft credit pull with no impact to their credit.
Are 0% APR options available for veterinary care?
Yes — true 0% APR, not deferred interest, available across multiple promotional terms.
Is there a cost to my practice to offer this?
No annual platform fee, no access fee, ever. Transaction-level rates and fees vary by product and are disclosed at time of application.
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Win More. Keep More.