This research paper analyzes payment plan data in the veterinary industry and explores its implications for for-profit clinics, non-profit veterinary providers, and access to care initiatives. The study finds that non-credit-based payment options can be a viable alternative to traditional credit financing for many clinics and clients. The paper discusses the importance of non-profit clinics utilizing payment options to reach pet families who are not eligible for traditional credit financing. The study acknowledges limitations in the data and suggests further research to explore the impact of payment options on access to care. Funding for the study was provided by Life of Riley at Spring Point Partners and the authors declare no conflicts of interest.
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