What is an SBA pet care loan?

An SBA pet care loan is typically SBA 7(a) financing used to support eligible business purposes for pet service operators, including acquisition financing, leasehold improvements, equipment, and working capital—subject to SBA rules and lender underwriting.

Can SBA 7(a) financing be used for a pet boarding facility acquisition?

Yes. SBA 7(a) loans can be used for eligible business acquisitions, including pet boarding and grooming businesses, when the transaction meets SBA eligibility requirements and the lender approves the structure.

What can SBA 7(a) proceeds cover for pet care and boarding businesses?

SBA 7(a) proceeds may be used for eligible acquisition costs, equipment, leasehold improvements, renovations, and working capital needed to support operations and expansion.

SBA Pet Care Loan | Acquisition & Expansion for Pet Boarding & Grooming Facility

Ownership Transition • Facility Upgrades • Working Capital Stability

SBA pet care loan overview

Strategic capital driving business transformation. Cornovus Capital arranged an SBA pet care loan supporting the acquisition and expansion of a leading regional pet care, grooming, and pet boarding facility. The financing provided long-term capital to fund an ownership transition, facility improvements, and working capital reserves—positioning the borrower for sustainable growth in a competitive market.

The SBA pet care loan acquisition financing was structured to provide a comprehensive solution addressing ownership transfer, modernization, and expansion of grooming and boarding operations under a single execution. By utilizing SBA 7(a) program advantages, Cornovus Capital optimized the borrower’s debt structure and reduced upfront equity requirements while supporting long-term scalability and profitability.

The transaction adhered to SBA standards under the SBA 7(a) Business Loan Program, with proceeds allocated for acquisition, improvements, equipment, and working capital supporting expanded pet boarding and service capacity.

Challenge

Financing an acquisition with operational expansion. The borrower required a capital structure capable of combining acquisition financing with facility upgrades, equipment purchases, and working capital under a unified SBA 7(a) structure—while also expanding pet boarding capacity without disrupting day-to-day operations. Balancing proceeds across multiple uses while maintaining SBA eligibility required precise coordination and underwriting discipline.

Integrating acquisition, equipment, and expansion funding under one SBA loan
Including boarding-area improvements and customer-facing modernization in the budget
Coordinating buyer, seller, and lender timelines for a timely closing
Maintaining business continuity and customer retention during transition
Aligning debt service with projected cash flow from grooming and boarding services

Solution

SBA 7(a) pet care loan enabling acquisition, boarding expansion, and working capital stability. Cornovus Capital structured an SBA 7(a) facility combining ownership transition funding with leasehold improvements, equipment, and post-closing liquidity. The loan featured competitive floating rates tied to WSJ Prime, full amortization, and borrower-friendly prepayment options to support future expansion and financial flexibility.

The financing supporting acquisition and expansion
10% equity injection demonstrating borrower commitment and SBA alignment
Up to 25-year amortization structure under SBA 7(a) terms
Funding for equipment, leasehold improvements, and working capital
Use of proceeds included boarding-area upgrades and service-capacity expansion
Collateral: business assets, real estate (where applicable), and personal guarantees

By structuring one integrated SBA 7(a) facility, Cornovus Capital delivered a single, execution-ready solution that supported operational stability, enhanced customer experience, and provided liquidity to scale boarding and grooming services.

Results

Empowering ownership transition and service-line growth. The SBA pet care loan enabled new ownership to complete a successful transition while launching an expansion strategy across grooming, daycare, and pet boarding. The project improved brand visibility, expanded revenue capacity, and positioned the company for sustainable long-term growth.

Ownership transition completed with uninterrupted operations
Expanded boarding capacity and improved customer experience through facility upgrades
Revenue growth supported by increased service throughput and modernization
Improved operating efficiency through equipment upgrades and process enhancements
Business positioned for additional regional expansion under strengthened leadership

Explore additional financing outcomes in our Transaction Highlights archive.

Related Capital Programs

Explore additional owner-occupied and growth financing options: SBA 7(a) program, SBA 7(a) 100% program, SBA 504 program, Bridge program, CMBS program, and LifeCo program.

← RETURN TO LOAN PROGRAMS | EXPLORE FINANCING SUBMISSION HUB →

About Cornovus Capital

With over 70 years of combined experience, Cornovus Capital is a trusted financial partner specializing in business financing, commercial real estate lending, and hospitality funding solutions. We design customized capital strategies that help businesses acquire, expand, and optimize operations, ensuring long-term growth and financial stability across multiple market cycles.

Our expertise spans CMBS and LifeCo financing, private capital solutions, structured debt strategies, SBA 7(a) and 504 loans. By focusing on certainty of execution, disciplined underwriting, and closing assurance, we guide businesses and investors through complex capital markets environments, securing financing aligned with long-term ownership and investment objectives.

For insight into the broader interest rate and monetary policy environment influencing commercial real estate financing, visit the Federal Reserve’s Monetary Policy resources.

View Recent Transactions →

Connect with Cornovus Capital

Exploring financing options for commercial real estate or business finance? Cornovus Capital delivers institutional execution — combining underwriting precision, credit modeling, and lender coordination to ensure transparency, speed, and certainty from term sheet to closing. Cornovus Capital delivers structured solutions, execution precision, and efficiency from application to closing.

GET FINANCING →

Follow Cornovus Capital on LinkedIn →