SBA loans by business type
SBA Loans for Veterinary Practices
SBA lenders funded 7,257 7(a) and 504 loans for veterinary practices since FY2010 (0.7% of all SBA lending in the data), totaling $6.1B, an average of $846K per loan. The most active lender is Live Oak Banking Company.
By Mario Bailey · Source: SBA FOIA data, FY2010–2026 (as of 2026-03-31)
These figures are computed from the SBA's public 7(a) and 504 funded-loan records for Veterinary Services (NAICS 54194). They cover funded loans, not applications, so a lender's activity here is a track-record signal — not a guarantee you will be approved. Of these, 13% are 504 loans (owner-occupied real estate and long-term equipment), which is why average loan sizes here run large. Among the 7(a) loans, the charge-off rate is 1.1% — a relative track-record signal, not a lifetime default rate (504 charge-offs are not reported in the SBA data); see our methodology. Estimate a payment with the SBA loan calculator, or check the basics with the eligibility checker.
Top SBA lenders in Professional and Technical Services, the sector that includes veterinary practices
Ranked by SBA loans funded across Professional and Technical Services (NAICS 54), the full sector that contains Veterinary Services (NAICS 54194). The sector is broader than veterinary practices alone, and sector level is the granularity our per-lender track-record data supports, so every figure below, including the 7(a) charge-off rate, is sector-wide, not specific to veterinary practices. Charge-off is reported on 7(a) loans, never on 504 loans, so a lender without a reliable 7(a) sample in the sector shows “not reported,” never 0%. A lender active in your situation is a good place to start; talk to a few before you apply.
| # | Lender | Loans | Total funded | Average loan | 7(a) charge-off |
|---|---|---|---|---|---|
| 1 | Wells Fargo Bank National Association | 7,966 | $2.0B | $255K | 4.61% |
| 2 | JPMorgan Chase Bank, National Association | 6,506 | $1.2B | $177K | 4.44% |
| 3 | The Huntington National Bank | 5,431 | $1.4B | $257K | 3.63% |
| 4 | U.S. Bank, National Association | 4,943 | $1.1B | $223K | 3.54% |
| 5 | TD Bank, National Association | 3,778 | $402.4M | $106K | 8.36% |
| 6 | Live Oak Banking Company | 2,990 | $3.6B | $1.2M | 1.07% |
| 7 | Manufacturers and Traders Trust Company | 2,990 | $377.4M | $126K | 4.05% |
| 8 | PNC Bank, National Association | 2,427 | $605.3M | $249K | 5.64% |
| 9 | BayFirst National Bank | 2,167 | $409.6M | $189K | 7.75% |
| 10 | Northeast Bank | 2,099 | $309.6M | $147K | 1.52% |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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Top states for veterinary practices SBA loans
| State | Loans | Total volume |
|---|---|---|
| California | 763 | $848.0M |
| Florida | 646 | $656.4M |
| Texas | 558 | $603.5M |
| Colorado | 259 | $257.9M |
| Georgia | 259 | $235.3M |
| North Carolina | 218 | $225.2M |
| Pennsylvania | 235 | $218.5M |
| New York | 269 | $202.7M |
| Washington | 175 | $169.3M |
| Arizona | 174 | $167.7M |
SBA lending for veterinary practices by year
Funded SBA volume by approval fiscal year (FY2010–2026).
SBA loans for veterinary practices: frequently asked questions
Can you get an SBA loan for veterinary practices?
Yes. Lenders funded 7,257 SBA 7(a) and 504 loans for veterinary practices in the public data (as of 2026-03-31), 0.7% of all SBA lending, totaling $6.1B.
How much is a typical SBA loan for veterinary practices?
The average SBA loan for veterinary practices is $846K, across 7,257 funded loans. Your amount depends on use of funds, cash flow, and the lender.
Which SBA lenders fund veterinary practices?
Live Oak Banking Company, Wells Fargo Bank National Association, PNC Bank, National Association are among the most active SBA lenders for veterinary practices by funded volume. A lender that regularly funds your situation is more likely to understand the deal.