Practice Loans, Student Debt, and Buying Your First Clinic with Cameron Harkey

In this episode, I sit down with Cameron Harkey from Bank of America to talk about veterinary practice financing and what doctors need to know before stepping into ownership. Cameron works in veterinary lending across the upper Midwest and helps veterinarians with practice acquisitions, startups, real estate loans, and ownership financing. We talk about what the loan process looks like, when to speak with a lender, how banks assess cash flow, and what happens when a doctor wants to buy the clinic they already work in. We also talk about one of the biggest concerns for many veterinarians. Student loans. Cameron explains why having student debt does not automatically disqualify someone from buying a practice. It matters, but it is only one part of the bigger financial picture. We also get into real estate loans, acquisition loans, interest rates, and why the lowest rate is not always the only thing to look at. This episode is for any veterinarian who has thought about ownership but wondered if financing, student loans, or lack of business experience might hold them back. The big takeaway is simple. Do not assume you are not ready just because you still have questions. Ask the questions. Look at the numbers. Get the right people around you. That is where ownership starts to become a real option. Find Cameron Harkey: https://www.linkedin.com/in/cameron-harkey-mba-27a0ba13/