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About VCP 2017-06-16T14:17:37+00:00

At Veterinary Credit Plans, we are financial and technology professionals by trade, and pet lovers at heart. Our experience with the unexpected expense in the day-to-day and emergency care of our pets made us think, there must be a better way. We worked with industry leaders, took our recurring billing and payment software expertise and built what has become the leading industry solution, providing clinics a suite of pet owner financial options. Veterinary Credit Plans is designed to help more pets get care, give pet owners choices, and veterinarians tools to grow their practice.

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Careers

joe_simrellJoe is an animal lover and financial specialist.  As a public and private company chief financial executive with deep experience in a variety of industries, he has helped transform the billing and payments practices of these businesses and their client’s businesses to maximize cash flow, boost sales, and generate ongoing customer loyalty.

Having experienced first hand the challenge of pet ownership – the expense of unplanned emergency care for one’s pet, Joe and the VCP team set about bringing to market a new approach to pet owner financial services.  An easy-to-use, integrated software platform specifically designed for the veterinary industry that enables practices to offer effective pet owner financing and payment options, while ensuring sound financial results for veterinarians. Veterinary CreditPlans, a division of H3 Financial Services, was created to focus on bringing state-of-the-art financial services capabilities to single and multi-location veterinary practices and animal hospitals to enable pet owners to get the care needed for their pets while improving the bottom line for veterinarians.  Healthier pets – a healthier bottom line.

Joe is a co-founder of H3 Financial Services, and its sister companies – ExtendCredit.com and BillWise.   Prior to leading these companies, he was the CEO of publicly-traded Primal Solutions, Inc., an international telecommunications software company.  In 2009, he and fellow co-founder, Bob Richardson, acquired the billing assets and customers from Primal Solutions and formed BillWise, Inc. to pursue billing opportunities beyond the telecommunications industry.

A graduate of Marquette University, Joe balances his time between building his businesses and spending quality time with his wife and daughter.  Occasionally he finds time to get in a round of golf.

bob_richardsonBob is a pet owner and President of Veterinary Credit Plans and is a co-founder of H3 Financial Services and BillWise. Prior to leading these companies, he was the COO of publicly-traded Primal Solutions, Inc., an international telecommunications software company. In 2009, he and fellow co-founder, Joe Simrell, acquired the billing assets and customers from Primal Solutions and formed BillWise, Inc. to pursue billing opportunities beyond the telecommunications industry.

Bob has over 25 years of senior level experience in software and technology service companies. He co-founded StrataSource, a managed services company funded by Mayfield Fund & Foundation Ventures and now part of Oracle, as well as Relational Data Systems, a project-based software consulting and systems integration company specializing in database management system applications. A proud University of Southern California Trojan, he balances his time between building his businesses and spending quality time with his wife, daughters and son.  Bob is also a competitive tri-athlete.

m_fowlerMike brings over 25 years of information technology and software development experience in the financial and telecom services industry to the VCP platform. His product development background includes more than 15 years of software engineering, product management, and research and development across multiple telecommunications Operations Support Systems (OSS) and Business Support Systems (BSS). He has led numerous development organizations in bringing to market products ranging from network mediation, customer care, billing, rating and fraud management solutions for both circuit and internet protocol telecommunications service providers. Mike brings a unique perspective of Tier 1, 2 and 3 service provider requirements both domestically and internationally through his broad experiences in deploying solutions within rapidly changing telephony markets. Prior to joining H3 Financial Services, and the VCP team Mike served as Vice President, Product Development  for Primal Solutions. Mike also served as Director of Development, CRM, at Corsair Communications, a software products company focused on telecommunications Operations Support Systems (OSS) and Business Support Systems (BSS). He has vast experience as an architect of complex billing solutions including data collection, invoicing, reporting. Mike has a Bachelor of Science Information Technology (BSIT).

janet_shin

Janet is a first-time pet owner. After adopting her Papillion-Terrier mix as a rescue puppy, Janet discovered all the unplanned costs that may arise. This included treatment for advanced case of kennel cough followed by a broken back paw. She is excited to be part of Veterinary Credit Plans, an easy-to-use, integrated software platform specifically designed for the veterinary industry that enables practices to offer effective pet owner financing and payment options, while ensuring sound financial results for veterinarians. Prior to joining VCP, she was the chief financial officer of CoCaLo, a subsidiary of a publicly-traded company. Janet has over 25 years of accounting experience, including the reporting and compliance demands of public-traded companies. She began her career as an auditor at Price Waterhouse after graduating from the Wharton School at the University of Pennsylvania. When not working, Janet spends time with her growing daughter, son and puppy.

ron_nelson

Many would think two dogs are a lot of work, for Ron it is twice the fun. But, then again, Ron always keeps busy and work is no different. His experience comes from working in both advertising agency and corporate environments. During his career he served as an account planner – whose job it is to understanding the bigger picture and everyone’s role in the process. He successfully ran his own mini agency and consulting business for five years, where VCP was a client. He felt so strongly about the company that when they asked him to join the team he did. Prior to that he was vice president of marketing for a technology start up for three years, successfully securing 90,000 users at time of launch. For eight years he worked as the senior vice president of strategy for a leading, top 25, b2b brand agency.  He also served as the creative director for an in-house agency. Ron likes to keep busy, no wonder he thinks two dogs are more fun. Ron also understands the expense of a pet with diabetes and the dedication it takes to give insulin shots daily. Add to this the importance of a great vet that gives sound advise and is able to provide not only the services, but also financial options required to keep a pet healthy.   VCP works the same way, providing the platform for a sound financial services strategy, delivering financing options so more pet owners can obtain the care their pets need and the foundation and tools that help veterinary practices deliver and manage those financial services, the end result – Healthier Pets. A Healthy Bottom Line.

jessica lee

Jessica has worked in the veterinary practice management field for almost 20 years, running practices in Minnesota, North Carolina and Texas. From 2009 to 2015 she worked as a consultant, first for Brakke Consulting and then later with her own company, Pinnacle Integrated Veterinary Solutions.  During that time she was involved in multiple projects that led to becoming known as a wellness plan “guru,” speaking and writing extensively on the topic. As a result of this work, she was hired by VCP as a consultant to assist with customizing their products and introducing them to the veterinary marketplace. After 4 years of working together, she joined the VCP team full-time as the Director of Veterinary Solutions in January, 2016.

Jessica graduated from Carleton College with a BA in studio art. Although she had never planned on working in the veterinary industry, thanks to adopting a Great Pyrenees puppy (her first dog ever!) an opportunity fell into her lap and the rest is history!  She currently lives in Flower Mound, TX with her three adopted dogs Mei Mei, Luigi and Abee. In her free time she enjoys kickboxing, yoga and paddle boarding and sometimes she will even sit still long enough to read a book. She dreams of a world where no pet is homeless, and her goal for this year is to become more involved with rescue organizations in her local community.

At Veterinary Credit Plans we set out and created options that would benefit both the pet owner and veterinarians. We had the financial technology experience; so we talked and continue to partner with veterinarians, practice managers and industry leaders to design solutions that answer all their needs. Today, our solution has become recognized for delivering easy-to-implement, comprehensive and highly automated wellness plans and payment plans that provide veterinarians and clinics with a powerful tool to market, grow and support their business while empowering pet owners with financial options, at lower costs, allowing them to better afford the care their pets need.

A simpler process for all involved.  Veterinary Credit Plans offers a comprehensive financial services platform, an integrated single-source solution for the creation, offering, management and marketing of a full suite of financial tools and programs for the veterinary market, including:

It’s About You
At Veterinary Credit Plans, our business is about building the veterinary practice and helping more pets. Our goal: to earn your trust as a valued partner providing the financial services platform, tools and support that grows your practice and enables more pet owners to obtain the pet care they seek.

Be Trustworthy
In all that we do, our customers, partners, investors, and employees need to see that we honor our promises and respect our relationships. We believe trust is earned and is shown through action.

Think Differently
Because the customer base of our different businesses span the globe, represent a variety of industries and come in different sizes, we can draw upon those experiences to help solve problems in specific industries from a different perspective.  We can continually evolve leveraging the lessons learned and best practices used across our varied customer community.

Expect and Embrace Change
Over the past 25 years we have lived it in our own business.  Change keeps us relevant and our ideas fresh.  As each new generation takes its place in business they bring with them new ideas and ways of looking at our industries. Embracing these new ways while leveraging our experience leads to better solutions to help our customers succeed in an ever-changing, competitive environment.

Veterinary Credit Plans, a wholly owned subsidiary of H3 Financial Services Inc., is dedicated to offering the most advanced and easy-to-use financial services platform. A solution that provides veterinary practices with the financial programs, tools and services to boost sales, enhance loyalty and grow the practice while providing pet owners financial choices to obtain the care their pets need.  We have over 25 years of experience in high-volume, complex and recurring billing and payments and over the last decade we have invested over $30 million in research and development. We have been serving the veterinary industry for years under the ExtendCredit.com brand and due to the tremendous growth and success have created Veterinary Credit Plans to focus solely on the needs of veterinarians, practice managers and industry consultants.