Introduction
Animal care businesses — from veterinary clinics to pet grooming services — rely on specialised tools, medical equipment, and well-designed facilities to deliver excellent care. But many small-to-medium operators struggle to provide up-to-date tax returns when seeking finance for upgrades or growth.
That’s where low doc loans help, providing funding with alternative documentation.
Who’s Eligible?
Animal care businesses that typically qualify include:
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✅ Veterinary clinics, pet groomers, boarding kennels, and animal transport services with an active ABN (6–12+ months)
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✅ Businesses using the loan at least 50% for commercial or professional purposes
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✅ Applicants providing alternative proof of income (bank statements, BAS, accountant’s letter)
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✅ Borrowers with a deposit (usually 10–20%)
What Can You Finance?
Low doc loans help animal care businesses with:
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Purchasing Equipment → Surgical tools, imaging machines, grooming tables, or medical supplies.
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Upgrading Facilities → Renovate clinics, add kennels, or improve pet daycare spaces.
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Buying Vehicles → Mobile vet vans or animal transport vehicles.
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Investing in Technology → Booking systems, pet care software, or client communication tools.
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Bridging Cash Flow → Cover staff wages, supplier invoices, or insurance costs.
What Documents Should You Provide?
Even without formal tax returns, prepare:
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✅ 12 months of business bank statements
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✅ BAS lodgements or client billing summaries
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✅ Quotes or purchase orders for equipment or renovations
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✅ (Optional) Accountant’s letter confirming income
Case Example
Paws & Claws Vet Clinic needed $110,000 to add a new surgical suite and upgrade diagnostic equipment. With strong bank statements, an active ABN, and a 25% deposit, the clinic secured a low doc loan — allowing them to expand services and increase patient capacity.
Tips for Veterinary Loan Applicants
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✅ Keep patient records and billing systems organised.
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✅ Show how new equipment or upgrades improve service delivery.
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✅ Work with brokers familiar with veterinary and animal care financing.
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✅ Maintain all licenses, animal welfare compliance, and professional certifications.
Final Call to Action
Want to expand your vet clinic or animal care business?
👉 Check your eligibility today — no credit score impact
Visit our Business Lending Hub for expert advice.
DISCLAIMER
The information provided on this website is general in nature only and has been prepared without considering your financial needs, circumstances and objectives and should NOT be construed as financial, taxation or legal advice. For more information, get in touch with our experienced partner brokers today.
