How AZ Affordable Pet Care Hit $18,576 with Cherry in 10 Weeks

About the Practice

AZ Affordable Pet Care is a privately-owned, low-cost veterinary clinic in Tucson, AZ, opened by owner Tammy Hall in early February 2026. Built on the mission of providing compassionate, high-quality medical and surgical care at an affordable cost, the practice stands apart by empowering clients with the education and options they need to make confident decisions for their pets.

Led by Dr. Alan Sibinic, a surgical specialist with 15+ years of veterinary experience, alongside a tight-knit team of seasoned technicians and client care staff. Their full scope of services includes wellness exams, vaccines, internal medicine, spay/neuter, general surgery, dentals, digital radiographs, in-house labs, and pharmacy.

The Challenge

Even for a clinic built around affordability, there is a ceiling. Surgeries, dentals, and emergency procedures ranging from $200 to $1,500 or more were still out of reach for many of the pet owners walking through their doors. Tammy estimated that 1 to 3 clients per day were declining or delaying care because they could not cover the bill, a pattern that added up to nearly $500,000 per year in lost potential revenue and, more importantly, in pets not receiving care they needed.

The financing partners they had tried were not working. The team was actively looking for something better when Cherry was referred to them by a vendor who used it personally.

The stakes were high. The clinic had been open less than two weeks when they signed with Cherry. With a small team of one doctor and five staff, they had no time for clunky tools or complicated workflows. They needed fast applications, instant approvals, no hard credit checks, and a model where the clinic got paid upfront without taking on any collections burden. They needed a partner that could grow with them, not slow them down.

The Cherry Solution

Cherry checked every box. The application takes under 60 seconds, fits naturally into a busy front-desk workflow, and gives clients an answer on the spot. Within their first 18 days live, Cherry had already helped 12 pet owners afford care, directly countering the lost-case pattern the team had been living with.

The front desk team embraced Cherry immediately. They began fielding approvals daily, watching clients leave with relief instead of uncertainty.

The practice also discovered the power of Cherry for repeated usage. One client used Cherry across multiple pets and multiple visits within a single 24-hour period, a sign that once clients experience the ease of approval, they return with confidence.

For Tammy, Cherry was also enabling her to realize her bigger vision. By recovering revenue that had previously walked out the door, Cherry directly supported her goal of transitioning her part-time doctor into a full-time role. The clinic earned Cherry Silver Tier status within approximately 30 days of going live, an exceptional ramp speed for a brand-new practice.

And critically, every dollar financed through Cherry is incremental. Cherry is not replacing another lender. It is filling a gap that had never been filled before.

Results

In under 10 weeks, live on Cherry (February 20 through late April 2026), AZ Affordable Pet Care achieved the following:

• 49 pets received care they may not have otherwise been able to afford
• $18,576 in total transaction volume captured for the practice
• Nearly 6x volume growth from their first partial month ($1,670) to their first full month ($9,782)
• Earned Cherry Silver Tier status within approximately 30 days of going live
• Median client Vantage score of 581, confirming Cherry is approving subprime borrowers that traditional lenders would decline
• Largest single transaction of $1,496, demonstrating clients are using Cherry for significant, high-value procedures