Canine CapitalFor Operators
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For Boarding, Daycare & Kennel Operators

The product isn't a loan.
It's business ownership.

Growth and acquisition capital for the businesses that care for America's dogs — and a guided path through SBA 7(a) and 504, built by people who grew up in the industry and hit the financing gap firsthand.

Begin the journey ↓
Built by operators SBA 7(a) & 504 educated A path even if you're told "not yet"

01 · The Product

"The product isn't a loan. The product is business ownership."

The business is the vehicle. A thriving owner-operator is the outcome — not a balance owed.

Canine Capital exists to be the capital partner the dog-care industry never had. We finance growth and acquisitions for boarding, daycare, and kennel operators — and where you're not yet bankable, we build a bridge to get you there.

Shared success — the Goodwill Coupon

When Canine Capital helps create upside, it shares in it — within disclosed limits. Alignment by design: we succeed when the operator succeeds, never instead of them. Structure details live in the offering documents.

02 · A Foundation of American Small Business

For 70 years, the SBA has been how Main Street buys, builds, and owns.

Since 1953, the U.S. Small Business Administration has stood behind lenders so they can say yes to small businesses that banks alone would pass on. Two programs do most of that work — and both fit a boarding or kennel business.

The Flagship

SBA 7(a)

General-purpose financing, partially guaranteed by the SBA

  • The SBA's most-used program — working capital, equipment, real estate, and business acquisition under one roof.
  • Longer terms and a lower equity injection than most conventional loans, because the SBA guarantee de-risks the lender.
  • Ideal for buying an existing kennel, expanding capacity, or refinancing growth.
The Fixed-Asset Program

SBA 504

Long-term, fixed-rate financing for major fixed assets

  • Built for owner-occupied real estate and heavy equipment — the kennel building, the land, the runs.
  • Delivered with a Certified Development Company alongside a bank, with a long fixed rate that protects your payment for decades.
  • Lets an operator own the real estate the business runs on — not rent it.

03 · Built for the Dog Economy

What 7(a) and 504 actually do for a boarding business.

Boarding, daycare, and kennel businesses are real estate plus recurring cash flow — exactly the profile SBA programs were designed for. Here's where the capital goes.

Acquire a kennel

Buy an established, cash-flowing boarding or daycare business — often with less down.

Own the real estate

Purchase or build the facility, land, and runs with long, fixed-rate 504 financing.

Expand capacity

Add suites, daycare, grooming, or a second site to meet demand you already turn away.

Equipment & build-out

Fund kennels, climate control, fencing, and the build-out a modern facility needs.

Working capital

Cover staffing, software, and runway — structured to how a kennel actually earns.

Refinance & consolidate

Replace short-term, high-cost debt with patient, SBA-backed terms that fit cash flow.

04 · Your Path Forward

Where are you in your SBA journey?

Two honest paths. Pick the one that's true for you today — both lead somewhere.

Path A · You've already tried

You applied for an SBA 7(a) or 504 — and were told "not now," or that you need 10%, 15%, or 20% down you don't have yet.

That gap is exactly our lane. Canine Capital's 24–30 month maturation bridge seasons boarding & kennel operators toward SBA benchmarks — strengthening the financials and the equity position — then refers you back to a lender, ready to close. Talk to a Canine Capital lending representative about your specific situation.
See how the bridge works

No credit pull to talk. A bridge is a path toward SBA-readiness, not a guarantee of any loan.

Path B · You haven't applied yet

You haven't applied for an SBA 7(a) or 504 loan yet — and you want to start the right way, with the right lender beside you.

Begin at the SBA's own free front door. Lender Match connects you with the SBA's Preferred Lender Network — community banks and Preferred Lenders with delegated approval authority. Answer a few questions, get matched in days, compare offers. Free, and no credit pull.
Start with SBA Lender Match → Learn SBA 7(a) & 504 first

Lender Match is an official tool of the U.S. Small Business Administration and opens on sba.gov. Canine Capital is not affiliated with or endorsed by the SBA.

Not SBA-ready yet? That's our lane.

Most operators aren't told "no" — they're told "not yet." The maturation bridge exists for exactly that moment: a defined runway to seasoned financials, a stronger equity position, and a warm hand-off back to the SBA Preferred Lender Network.

Questions, Answered

For operators, plainly.

Is this a loan from Canine Capital?
Our orientation is ownership, not just lending. We help operators reach and close SBA financing, and where you're not yet bankable, our maturation bridge seasons you toward it. Any specific facility, its terms, and the shared-success structure are set out in offering and financing documents.
What does the SBA Lender Match cost? Will it pull my credit?
Lender Match is the SBA's own tool — it's free and does not pull your credit. You describe your business and what the capital is for; interested SBA-affiliated lenders reach out, and you compare and choose.
A lender told me I need 10–20% down I don't have. Now what?
That's Path A. Book a Canine Capital lending representative. The maturation bridge is built to close exactly that equity-and-readiness gap over 24–30 months, then refer you back ready to close — for boarding and kennel operators specifically.
Why does Canine Capital understand the kennel business?
Our founder grew up in it and hit the financing gap firsthand. Canine Capital exists to be the capital partner that wasn't there — for an essential, recurring-demand industry the conventional market has long underserved.
Is Canine Capital part of the SBA?
No. Canine Capital is an independent, AI-native non-bank financial institution. It is not affiliated with, or endorsed by, the U.S. Small Business Administration; SBA programs and marks belong to the SBA.

05 · Apply Now

Ready to move? Start your application.

Begin your file in the Canine Capital portal — tell us about your business and what you're financing. A lending representative reviews every application personally and follows up with next steps.

Apply Now →

Starting an application doesn't pull your credit · For boarding, daycare & kennel operators

Let's build the business you own.

Whether you're SBA-ready or hearing "not yet," there's a next step — and a person to take it with.

Start SBA Lender Match