Rethinking Capital Access for Pet Care Businesses

My dad still goes to the bank. The physical kind, with the pen on the chain and the little paper slips.

He’ll drive over, park, wait in line, and talk to a teller just to make a deposit or transfer funds. For him, that’s just how it’s done. Me? I haven’t been inside a bank in years. Everything happens online now—fast, self-serve, and on my own terms.

That same shift is finally happening for small businesses, too. Especially when it comes to capital.

I recently sat down with Natalie Wexler from Adyen Capital, and one thing became clear: traditional small business lending hasn’t kept up with the way modern businesses run. Long applications, long waits, rigid repayment schedules—it’s a system that assumes you have time and resources to spare, when in reality most businesses are just trying to keep things moving.

How Capital Access Is Finally Catching Up

Traditional loans were never designed for small businesses

They’re time-consuming, often slow, and filled with unnecessary friction. The process assumes you’re an enterprise with a finance team—not a facility owner juggling customers, staff, and inventory.

Capital access can now be proactive, not reactive

Instead of applying for a loan when things get tight, modern systems can monitor your business health in the background and make capital available when you’re in a position to use it wisely.

The terms are
getting smarter

Repayments can flex with your revenue, rather than locking you into a fixed monthly payment regardless of seasonality or business cycles. That’s a big shift in how risk is evaluated—and it’s a lot more aligned with how pet care operates.

Transparency matters
more than ever

Forget variable interest rates and surprise fees. The new model emphasizes flat, predictable terms so owners know exactly what they’re signing up for.

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This approach is now available to Goose customers through our partnership with Adyen Capital—but this post isn’t about that. It’s about the bigger picture: financial tools are finally catching up with how small businesses actually work.

That’s the kind of progress I get excited about. Not just because it’s faster or simpler—but because it gives business owners real options. Options that respect their time, and the way they want to grow.