Pet Care (except Veterinary) Services
812910
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SBA Loans for Pet Care Services (Except Veterinary): Financing Growth in the Pet Services Industry
Introduction
Pet care service providers help millions of pet owners by offering grooming, boarding, training, walking, and daycare services. Classified under NAICS 812910 – Pet Care (except Veterinary) Services, this sector includes independent operators, boutique pet spas, large-scale kennels, and franchise businesses. With pet ownership rising in the U.S., demand for high-quality pet services is growing. However, operators face financial challenges such as facility upkeep, payroll, insurance, and marketing costs.
This is where SBA Loans for Pet Care Businesses make a difference. Backed by the U.S. Small Business Administration, SBA loans provide affordable financing with longer repayment terms, lower down payments, and government-backed guarantees. These loans help pet care providers renovate facilities, expand services, purchase equipment, and stabilize cash flow during slow periods.
In this article, we’ll explore NAICS 812910, the challenges pet service businesses face, how SBA loans provide solutions, and answers to frequently asked questions from pet care entrepreneurs.
Industry Overview: NAICS 812910
Pet Care Services (Except Veterinary) include a wide range of businesses, such as:
- Pet grooming salons and spas
- Dog walking and pet sitting services
- Pet boarding, kennels, and daycare centers
- Obedience training and behavior programs
- Pet waste removal and other niche services
This industry benefits from growing consumer spending on pets, but it also requires substantial investments in equipment, staff, and facilities to maintain high-quality care.
Common Pain Points in Pet Care Financing
From Reddit’s r/pets, r/smallbusiness, and Quora discussions, pet care providers often share these struggles:
- Facility Costs – Leasing or renovating grooming salons, kennels, or daycare centers requires significant capital.
- Payroll & Staffing – Hiring trained groomers, walkers, and attendants adds ongoing expense.
- Equipment & Supplies – Grooming tables, dryers, kennels, and cleaning supplies add up quickly.
- Insurance & Liability – Pet care businesses must invest in coverage to protect against accidents or injuries.
- Seasonal Demand – Boarding and daycare often peak during holidays and travel seasons, leaving slower months harder to manage.
How SBA Loans Help Pet Care Service Providers
SBA financing provides affordable, flexible capital that allows pet care operators to grow their business while meeting operational demands.
SBA 7(a) Loan
- Best for: Working capital, payroll, insurance, or refinancing debt.
- Loan size: Up to $5 million.
- Why it helps: Covers everyday expenses, advertising, and facility overhead costs.
SBA 504 Loan
- Best for: Real estate purchases and large-scale renovations.
- Loan size: Up to $5.5 million.
- Why it helps: Ideal for building or renovating kennels, grooming facilities, or daycare centers.
SBA Microloans
- Best for: Startups and small-scale operators.
- Loan size: Up to $50,000.
- Why it helps: Perfect for purchasing grooming equipment, setting up a website, or funding marketing campaigns.
SBA Disaster Loans
- Best for: Pet care providers impacted by natural disasters or unexpected closures.
- Loan size: Up to $2 million.
- Why it helps: Provides recovery funding for facility repairs, lost income, or equipment replacement.
Step-by-Step Guide to Getting an SBA Loan
- Check Eligibility – Must be a U.S.-based, for-profit pet care business with good personal credit (typically 650+).
- Prepare Financial Documents – Tax returns, P&L statements, payroll records, and facility leases.
- Find an SBA-Approved Lender – Many lenders work with service-based industries like pet care.
- Submit Application – Provide a business plan outlining services, customer base, and growth strategy.
- Underwriting & Approval – SBA guarantees reduce lender risk. Approval usually takes 30–90 days.
FAQ: SBA Loans for Pet Care Businesses
Why do banks often deny loans to pet care providers?
Banks may view pet care businesses as risky due to liability concerns and seasonal demand. SBA guarantees reduce this risk, improving approval chances.
Can SBA loans fund grooming and boarding equipment?
Yes. SBA 7(a) and 504 loans can finance grooming stations, kennels, daycare play areas, and cleaning equipment.
What down payment is required?
SBA loans usually require 10–20% down, compared to 25–30% for conventional loans.
Are startup pet care businesses eligible?
Yes. Entrepreneurs starting a grooming salon, daycare, or dog walking service may qualify with a solid business plan and good personal credit.
What repayment terms are available?
- Working capital: Up to 7 years
- Equipment: Up to 10 years
- Real estate/facilities: Up to 25 years
Can SBA loans help expand into multiple service offerings?
Absolutely. Many businesses use SBA financing to add grooming, training, or daycare services to existing operations.
Final Thoughts
The Pet Care (except Veterinary) Services industry is booming as pet owners invest more in grooming, training, and boarding. SBA Loans for Pet Care Businesses provide affordable, flexible financing to help operators expand facilities, purchase equipment, and build stronger customer relationships.
Whether you’re opening your first grooming salon, expanding a daycare facility, or adding new services, SBA financing can provide the resources you need. Connect with an SBA-approved lender today and explore your funding options for success in the pet care industry.
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