Do veterinary practices need FCA authorisation?
Yes. If you help pet owners pay for treatment by finance — offering payment plans, or introducing owners to a finance provider so they can spread the cost of surgery or ongoing care — you're carrying out credit broking, a regulated activity. It's been required since 2014, and offering finance without authorisation is a criminal offence.
The reassuring part: because caring for animals is your main business and finance simply helps owners manage the cost, you almost certainly qualify for limited permission — the simpler, cheaper route. Our guide for veterinary practices explains the detail — including how treatment finance differs from pet insurance — and our step-by-step guide covers the full process; if you already know you need it, we'll prepare the pack.
Three steps to authorised
No jargon, no lengthy consultations, no hourly fees. A clear process built around how busy business owners actually work.
Complete the questionnaire
Tell us about your practice and how you offer finance in around 15 minutes — the treatments you finance, which finance provider you work with, and who's responsible. Plain questions, no jargon.
We prepare your pack
We prepare every document the FCA expects for a veterinary practice's limited permission application — secondary credit broking for treatment finance — tailored to your practice.
We file it and handle the FCA
We submit your application through the FCA’s Connect portal and deal with the caseworker’s questions until your decision. You just review and sign the declarations.
Everything the FCA asks a practice for, prepared for you
A complete limited permission application pack — sixteen tailored documents, the same set a consultancy charges thousands to assemble.
- ✓Regulatory business plan — tailored to your business and finance activities
- ✓Compliance monitoring programme for your first year
- ✓Financial promotions policy covering how you advertise finance
- ✓Complaints handling procedure
- ✓Vulnerable customer policy
- ✓Anti-money laundering & financial crime policy
- ✓Financial forecasts built from your figures
- ✓FCA Connect application guidance — step by step
The right permissions for a veterinary practice
A veterinary practice offering finance typically needs limited permission for secondary credit broking — introducing pet owners to a lender to help them pay for treatment. We build your pack around exactly that.
If finance becomes a main activity in its own right, you may need full permission — and we'll tell you honestly before you pay a penny.
Built for your business, priced up front
Three reasons businesses come to us instead of a traditional compliance consultancy.
One fixed price
£995, published up front — just £495 to start, fully refundable before delivery. Most consultancies won't publish a price at all. No hourly fees, no surprises — and the FCA's own fee is the same wherever you go.
Ready in days, not months
Your complete pack is prepared within three working days of your deposit, so your application gets in front of the FCA quickly.
Own your authorisation
We prepare a direct application, so you hold your own FCA permission and choose your own finance partners — not tied to one principal's panel or paying an ongoing network fee.
One price. No hourly fees. No surprises.
You pay one fixed fee for your complete application pack. The only other cost is the FCA's £560 application fee — which we collect with your final payment and pay to the FCA on your behalf, so there's nothing extra to arrange.
Already know you need it? Skip the check and start →
*The FCA application fee is collected with your final payment and paid to the FCA on your firm's behalf when we submit — itemised on your invoice. It is the same fee whichever provider you use.
Veterinary FCA questions, answered
Ready to get your practice authorised?
Fixed price. No hidden fees. Your complete FCA limited permission application pack, prepared for a veterinary practice offering treatment finance.
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