🐾 PETWELLSOON · For Veterinary Practice Owners · Texas
Three reasons to put this sign in your window.
VIGA is a 501(c)(3) nonprofit that makes zero-interest, zero-fee emergency bridge loans of $250–$2,500 — paid directly to your practice by ACH, 1–2 business days after your invoice. Joining is free. Here's what it does for you.
$0
Merchant fee
0%
Client interest
ACH 1–2 days
You're paid
More empathy for the animals — turn fewer pets away.
Every practice knows the case: the diagnosis is treatable, the medicine is on the shelf, and the only thing in the way is the estimate. Half of America’s pet-owning households have declined recommended care over cost, and nearly half of dog owners say they’d consider euthanasia over a bill they can’t pay. With VIGA behind you, the answer at the front desk changes from “I’m sorry” to “there’s a way.” Medicine decides — not money.
52% of pet-owning households have declined recommended vet treatment · 48% of dog owners would consider euthanasia over an unaffordable bill (PetSmart Charities/Gallup; Canine Journal)
More support for the owners who are stressed by the bill.
Even clients who find the money often find it at 26–33% APR — a maxed credit card, or a deferred-interest promo that detonates into retroactive interest. The family covers what they can; VIGA bridges the rest at zero interest and zero fees, repaid in small installments on their paydays over 90 days to 6 months, with on-time payments reported to the credit bureaus. You become the clinic that stood with them on the worst day of their year — and they don’t spend the next one paying for it twice.
41%of pet owners have gone into debt for vet care · CareCredit’s deferred-interest promos revert to 32.99% APR, charged retroactively, if not paid to zero (Canine Journal; published card terms)
More business through your door — the sign is a business-development tool.
“VIGA Accepted Here” works the way “Visa and Mastercard accepted here” always has: it tells people where they can spend. Every family VIGA approves is shown the participating practices where their authorization is good — so enrolled clinics are exactly where those pets go. Cases that would have walked out untreated become full-price treated cases; families your current financing declines become clients; and the badge in your window, on your website, and in VIGA’s directory keeps sending them. More visits, more saved animals, more to the bottom line — at a merchant fee of exactly zero, while CareCredit, Cherry, and Scratchpay take roughly 3–10% of every financed invoice.
$0 VIGA merchant fee vs. ~4.7%+ CareCredit · ~3–10% Cherry · flat 5% Scratchpay — and VIGA serves the families they decline (published fee surveys, July 2026)
How it works
You never lend, never collect, never chase.
Lending decisions are made by VIGA’s algorithm, designed by an independent committee. The full borrower walkthrough is at how it works — here is your side of it.
The family applies
Even from your waiting room, with your estimate. They cover what they can; VIGA bridges the rest. Soft pull, no credit-score impact — typical approval under 5 minutes after verification.
Both of you are notified
The family pays their share to you first and presents a VIGA Authorization Number — valid 10 days, for a single stated amount.
You treat, then bill VIGA
Submit your invoice through the vendor portal referencing the Authorization Number. It must match the authorized amount exactly.
Paid by ACH in 1–2 days
To your verified account, nothing deducted. Our payment fully satisfies the family’s bill — they repay VIGA, never you.
Enrolling asks of you
- A short application, a W-9, and a bank account verified for ACH
- Treat VIGA families like cash clients — ordinary prices, no surcharge, no different scheduling
- Display the “VIGA Accepted Here” materials we supply — window cling, front-desk card, web badge
And never asks of you
- No fees of any kind — enrollment, merchant, or monthly
- No credit decisions, no collections, no chargebacks
- No sharing of records — we never see clinical files; you never see family finances
Put the sign in the window. Change what happens in the exam room.
Enrollment takes minutes and costs nothing — now open to Texas veterinary and animal-care practices.
info@viga.org · 1-877-ASKVIGA (275-8442) · how it works