# Veterinary Client Financing for Clinics > Offer veterinary client financing when the treatment plan is on the table. One branded application, participating lender programs, and front-desk follow-up with Ottri. Last updated: 2026-09-07. Part of Ottri's Health Care patient financing platform (https://www.ottri.com/health-care). Canonical version: https://www.ottri.com/health-care/veterinary-financing — this Markdown document is generated from the same source at build time. ## Multi-lender veterinary financing for clinics and hospitals. When the treatment plan is on the table, cost should not be the reason a pet goes home untreated. Ottri gives your team one branded application, participating lender programs, and a front desk that can see every step. - One application. Multiple participating lender programs. - Your hospital brand throughout the financing experience. - Built for veterinary teams and client care coordinators. - Direct-to-practice funding on eligible programs. ## Turn a difficult estimate into a decision the client can make today. Emergencies, surgeries, and dental work rarely arrive with a budget. Ottri puts one branded application in the exam room, considers eligible lender programs in sequence, and keeps your team on top of every application until it funds. ### One application. One place to manage it. From the estimate to funding, every application and next step lives in one workspace your whole hospital can see. - **The client applies once** — One branded application, shared with the treatment estimate, reaches eligible participating lender programs in sequence. - **Ottri coordinates the flow** — The application moves through eligible participating lender programs without requiring a new application for every provider. - **The client reviews available options** — Available financing options and applicable terms are presented clearly for the pet owner to consider, on their own phone. - **Your hospital tracks what happens next** — See whether the client has started, needs to provide information, or has another financing step before treatment. ### Built for the exam room and the front desk Introduce financing with the estimate, hand the client privacy to apply, and keep the next action visible to the front desk. - **Ready for the estimate** — Bring available financing into the treatment-plan conversation while the pet is still in the building. - **Private client handoff** — Explain the first step at the desk, then let the client complete sensitive details on their own device. - **Continue on any device** — Clients can finish in the waiting room or from home while your team follows the application from the practice. - **Team and location control** — Manage staff, activity and financing progress across every hospital location. ## One financing workflow for the whole veterinary team. - **One practice dashboard** — Manage applications, available financing options, follow-up, documents, and funding progress in one place. - **Clear front-desk workflow** — Give the front desk and client care team the same view of each client’s financing next step. - **Private client handoff** — Begin together, then let the client complete sensitive information privately on their own device. - **Teams and locations** — Manage users, roles, activity, and financing progress across every hospital location. - **Practice-branded experience** — Keep your logo, colors, and hospital identity front and center throughout the Ottri experience. - **Direct-to-practice funding** — For funded treatments, participating lenders send funds directly to your practice. ## Meet clients at the moment the estimate lands. - **Meet clients at the right time** — Introduce available financing as you walk through the treatment estimate, then follow up on the application while the client decides. Emergency visits can start the application from the waiting room. - **One flow across every channel** — Share the same branded application from a service page, a front-desk QR code, or a follow-up text. Your team follows the financing activity in Ottri. ## Your veterinary team needs one financing workspace. So we built one. A disconnected process: - One application reaches one lender’s credit criteria. - A decline can end the treatment conversation. - The client moves into a provider-branded experience. - Applications and follow-up live in separate places. - The front desk pieces together the financial next step. With Ottri: - One application can reach multiple eligible financing programs. - Other eligible programs may provide another path. - Your hospital brand stays present in the Ottri experience. - Applications, next steps, and funding progress in one place. - The front desk follows the application in a shared workspace. ## Frequently asked questions ### How can our veterinary practice offer client financing? Veterinary client financing lets a pet owner apply to pay for eligible veterinary care over time through a participating lender. Ottri gives your hospital one branded application and one workspace for application status, follow-up, and funding progress. Introduce it alongside the treatment estimate so the client can consider available payment options while the pet is still with you. ### Can financing be offered during an emergency visit? Yes. Your front desk can share the branded application by link or QR code while the client is in the waiting room, and the client completes it privately on their own phone. The participating lender still makes the credit decision and sets the funding conditions, so confirm those steps before a treatment plan depends on the funds. Ottri gives your team a clear status to follow while the veterinary team focuses on the patient. ### Can clients finance surgery, dental work, and diagnostics? Eligible veterinary services may be considered under participating lender programs. Start with a written treatment estimate that identifies the procedures, diagnostics, medications, and hospitalization involved, and confirm what the available program can cover. A dental cleaning and an emergency surgery can have very different financing needs; the estimate, requested amount, client, and participating program determine eligibility. ### How does this work alongside pet insurance or a wellness plan? They run on separate tracks. Pet insurance reimburses the client under its own policy, and a wellness plan follows your hospital’s own arrangement. Ottri financing helps the client pay the hospital for eligible care now, with funds paid directly to your practice on eligible programs. Explain each clearly so the client understands what is insured, what is financed, and what remains their responsibility. ### What happens if the first lender declines the application? A decline from one lender does not have to end the financing conversation. Ottri can continue through other eligible participating programs in its configured sequence, subject to routing rules and stop conditions. The client starts with one branded application, and your team follows the status in Ottri. Each lender makes its own decision; another approval is not guaranteed. ### What does Ottri cost, and how do we get started? Ottri has no setup, subscription, or Ottri platform fees for practices. Create your practice account, complete onboarding, and begin sharing applications once your eligible programs are active. Lender or promotional costs, where applicable, depend on the program. Your team can start with the Get started free button on this page. ### Does the application stay under our hospital brand? Yes. Your hospital logo, colors, and identity remain part of the Ottri experience, with required lender identities and disclosures shown where applicable. Your team can introduce the application and let the client complete sensitive information privately on their own device. Ottri does not sell client applications as leads. ### Who approves the financing and receives the funds? The participating lender makes the credit decision and sets the financing terms. For funded treatments, the lender sends funds directly to your practice according to its program requirements and funding process. Ottri Global LLC is a licensed loan broker, NMLS 2776988, and is not a lender. Your team can track funding progress in Ottri. ### How much of the treatment estimate can a client finance? The available amount depends on the client, the participating lender, and the proposed care. Use the written estimate as the starting point and review what the selected program can cover. If financing covers part of the estimate, the remaining balance is handled between the hospital and the client. A change in the treatment plan is a quick update in the same application. ### Does checking financing options affect the client’s credit? The initial Ottri option check may use a soft credit inquiry that does not affect the client’s credit score. If the client chooses to proceed, a participating lender may perform a hard inquiry that can affect the score. The applicable information is presented before the client continues. Inquiry type can vary by lender, product, and stage. --- About Ottri: Ottri is a licensed loan broker, NMLS 2776988. Ottri is not a lender. Participating lenders establish their own products and criteria, make their own credit decisions, provide any credit extended, and retain the responsibilities assigned to them by law and agreement. Ottri's capabilities and role vary by program and deployment.