Physical Therapy Clinic Feasibility Study in the Dallas-Fort Worth-Arlington, TX Metro Area

Median loan more than double the national figure

The median rehabilitation and therapy clinic loan around Dallas-Fort Worth-Arlington is $316,000, 2.11x the national class median, That ratio is the sharpest contrast with the nation. The quartile edges are $106,000 and $702,250. The cell holds 91 approvals worth $51.5 million for FY2017 to FY2026. Dallas-Fort Worth sits 5 of 406 among areas for therapy clinics, though the class is only 14 of 39 inside the area, and 1.02x on the location quotient leaves local weight level with the national mix.

Program-wise, SBA 7(a) took 73 loans and SBA 504 took 18, a real fixed-asset side for clinics that buy or build. Franchised units are 14.3%. Withholding hides Dallas's cancellation and charge-off rates, so no blank is read as nil. A lender therefore has no outcome measure for the cell, and a study should offer its own downside case.

Lenders and counties

PNC Bank, National Association holds 12 SBA 7(a) loans ($5.0 million), as does The Huntington National Bank ($2.6 million), with Wells Fargo Bank National Association trailing at 5 loans and $1.6 million. For SBA 504, Greater East Texas Certified Development Company stands alone with 6 loans and $8.7 million. These are SBA's holder rows with no implication for practice. Tarrant County, TX has 34 loans, Collin County, TX 24 and Denton County, TX 15, so suburban counties lead the record.

Yearly approvals ranged from 5 loans and $3.7 million in FY2021 to 13 loans and $11.5 million in FY2022, with 14 loans and $6.5 million in FY2025 and 11 loans and $5.8 million in FY2026. Loans reach Dallas-Fort Worth only if the 2023 delineation can place their project county.

What a Dallas therapy-clinic study has to settle

The study should map referral sources, payer contracts and rival clinics around the site in Tarrant, Collin or Denton County, then justify treatment equipment and build-out against a $316,000 median that is already more than twice the national one. Visits per therapist and reimbursement per visit must cover the debt. Because the median already runs above twice the national figure, a lender will want to see why a clinic here needs more equipment or space than clinics elsewhere. Behind every Dallas report stands one name; Daniel Smith, MAI, signs his name, and the 91 approvals above promise nothing about yours.