Medical Office Feasibility Study in the Boise City, ID Metro Area

Boise medical offices: one county, steady 504 use

Medical offices for physicians rank eighth locally in Boise City, 8 of 39, with a location quotient of 1.28x, and the metro is 29 of 488 nationally. SBA records 46 loans and $26.6 million across FY2017 to FY2026, 41 of them in Ada County, ID. A typical Boise approval is $364,000, or 1.06x of what the class draws nationally, while the middle band reaches from $150,000 to $688,125.

Program use is notably split: 30 loans on 7(a) and 16 on 504, a heavy 504 side for a professional service, which suggests physicians buying buildings. The franchise share is 0.00%, so there is no brand benchmark for a Boise practice, and comparables must come from local clinics instead. Glacier Bank is the one holder listed, at 8 loans and $2.8 million. A lender's appearance in this table reflects SBA's records of loans it holds or held, not a judgment of its conduct.

Loss floors and the thin yearly record

The cohort from FY2017 to FY2024 shows cancellation of at least 13.9%. For the ceiling and for charge-offs SBA gives no figure, and the gaps are not zeros. Only two years print: FY2017 with 6 loans and $2.7 million and FY2021 with 5 and $2.3 million. Nothing else in the series shows, which also means no single year can be called typical, so a reader cannot say whether Boise medical lending is rising or falling.

Because membership in Boise City follows the project county, a loan whose county the 2023 delineation cannot match is absent from this page.

Boise clinics: the proof a study owes

Physician headcount, referral patterns, payer mix and the competing clinics and hospital-owned practices in the area are what a study weighs first. Build-out or purchase costs have to be set against the $364,000 midpoint, with collections carrying debt service coverage; a practice that owns its building can use the 504 route that nearly a third of these loans took. The appraisal separates the practice's goodwill from the property. The report goes out over the name of Daniel Smith, MAI. It supports a borrower's request; it cannot promise that a lender says yes.