Equipment Loans for Animal Boarding Facilities

Running an animal boarding facility—whether for dogs, cats, or exotic pets—requires specialized equipment to ensure safety, comfort, and efficiency. From kennels and sanitation systems to climate control and feeding equipment, these investments can cost tens of thousands of dollars. For many boarding businesses, an equipment loan is the best way to cover startup or expansion costs while keeping cash flow stable.

Why Boarding Facilities Need Equipment Financing

• High Startup Costs – Outfitting a new facility with kennels, HVAC, and safety systems is capital-intensive.

• Cash Flow Flexibility – Spread out equipment costs with manageable monthly payments.

• Business Growth – Add capacity and improve services to attract more clients.

• Ownership Advantage – Unlike leasing, loans let you own equipment while repaying.

• Tax Benefits – Loan interest and depreciation may qualify as deductions (consult your tax professional).

Essential Equipment You Can Finance

✔ Kennels & Cages – Stainless steel or modular kennels for safe housing.
✔ HVAC & Climate Control Systems – Maintain comfortable, healthy environments for pets.
✔ Sanitation & Cleaning Tools – Industrial washers, disinfecting sprayers, and drainage systems.
✔ Feeding Systems – Automatic feeders, food prep tables, and storage.
✔ Play & Exercise Equipment – Turf, agility sets, and fencing for outdoor spaces.
✔ Safety & Monitoring Tech – Cameras, fire suppression, and access controls.

Financing Options for Boarding Facilities

1. Traditional Equipment Loans

• Fixed monthly payments.

• Ownership from day one.

• Best for long-term assets like kennels and HVAC systems.

2. Lease-to-Own Programs

• Lower upfront costs with eventual ownership.

• Ideal for smaller facilities expanding gradually.

3. SBA Loans

• SBA 7(a) or 504 loans can fund equipment, construction, or renovations.

• Longer repayment terms and competitive interest rates.

4. Vendor Financing

• Some kennel and pet supply manufacturers offer in-house financing.

• Convenient but often higher rates—compare carefully.

Example Loan Scenario

A boarding facility expansion requires:

• Kennels & Cages = $35,000

• HVAC & Ventilation System = $25,000

• Sanitation Equipment = $10,000

Total Investment: $70,000

With a 7-year equipment loan at 7% interest, monthly payments would be around $1,060. If the new space houses 20 more pets at $30/day, the loan can be covered within the first week of occupancy each month.

Tips for Securing Equipment Loans

✔ Prepare a business plan showing occupancy and revenue projections.
✔ Bundle purchases into one loan for simplicity.
✔ Maintain a strong credit profile to secure better terms.
✔ Compare banks, credit unions, and specialized pet business lenders.
✔ Plan for maintenance and upgrades as part of long-term budgeting.

Final Thoughts

Investing in equipment for animal boarding facilities is essential for providing safe, comfortable care and scaling your business. With the right equipment loan, you can fund kennels, HVAC systems, and sanitation equipment today while preserving cash for payroll and daily operations. Financing gives you the tools to grow your capacity, attract more clients, and build a thriving pet care business.