Physical Therapy Clinic Feasibility Study in the Miami-Fort Lauderdale-West Palm Beach, FL Metro Area
What SBA's own loan files show about rehabilitation and therapy clinic lending in the Miami-Fort Lauderdale-West Palm Beach, FL Metro Area, and what a feasibility study for a project there has to test.
Miami: therapy clinic
Miami approved therapy clinic loans: 119 in FY2017 to FY2026, worth $48.8 million. Miami ranks 3 of 406 for the class on 119 loans among metro areas; in Miami, the class ranks 10 of 39. Miami's location quotient reads 1.20x on 119 loans: a somewhat heavier concentration. In Miami, ranks and the 1.20x quotient, from 119 loans, distinguish the class; Miami size is 1.00x the national median.
$150,000 marks the median of 119 loans, close to the national figure (1.00x), and $81,000 to $455,000 bounds Miami's middle half. Of 119 loans in Miami, 101 used 7(a) and 18 used 504. 5.9% is the franchise share of 119 loans; the rest are independents.
Miami's 7(a) table, 31 loans at TD Bank, National Association, $3.0 million; 8 at JPMorgan Chase Bank, National Association, $1.8 million; 7 at The Huntington National Bank, $1.5 million; 5 at BayFirst National Bank, $1.4 million. Miami: holders under 5 loans go unnamed. Miami county counts, 119 loans: Miami-Dade County, FL 69; Broward County, FL 29; Palm Beach County, FL 21.
The Miami loans' fate
12.1% at minimum: Miami's cancelled share through FY2024. Miami's ceiling for undisbursed loans: withheld. Miami charge-offs: too few, not zero. Miami floors may rise with open loans. Miami approvals ran from 10 loans and $2.0 million in FY2018 to 11 loans and $9.2 million in FY2026, peaking at 29 in FY2024 and dipping to 7 in FY2020. Miami loans per year: FY2018 10, FY2019 8, FY2020 7, FY2022 10, FY2023 17, FY2024 29, FY2025 17, FY2026 11. Yearly dollars: FY2018 $2.0 million, FY2019 $3.9 million, FY2020 $3.8 million, FY2022 $4.4 million, FY2023 $7.7 million, FY2024 $5.2 million, FY2025 $5.4 million, FY2026 $9.2 million. Withheld Miami years are not zero.
Miami: the study's tests
For 119 loans in Miami, room costs outside $81,000 to $455,000 need cases. For 119 approvals in Miami, appraisers weigh lease and referrals. Counts in Miami moved from 7 in FY2020 to 29 in FY2024; for Miami, plan for therapist shortages. Miami's quotient, 1.20x: count rivals by referral source. Across 119 loans, visit volume in Miami carries $150,000. Miami: facing flat rates, debt service holds with $48.8 million approved.
Miami's 119 loans are placed by project county. Miami follows the July 2023 delineation. Miami drops unplaceable counties from $48.8 million. Treat 119 loans as a guide to Miami, not a census.
SBA rehabilitation and therapy clinic loans in the Miami-Fort Lauderdale-West Palm Beach, FL Metro Area
| Loans approved, FY2017 to FY2026 | 119 |
|---|---|
| Gross dollars approved | $48.8 million |
| Median loan | $150,000 |
| Middle half of loans, from | $81,000 |
| Middle half of loans, to | $455,000 |
| SBA 7(a) loans | 101 |
| SBA 504 loans | 18 |
| Franchise share of loans | 5.9% |
| Rank among metro and micro areas for rehabilitation and therapy clinic loans | 3 of 406 |
| Rank of rehabilitation and therapy clinic among the classes in this area | 10 of 39 |
| Location quotient (share of loans against the national share) | 1.20x |
| Median loan against the national median for the class | 1.00x |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 12.1% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | withheld |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | withheld |
Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.
SBA rehabilitation and therapy clinic loans approved in the Miami-Fort Lauderdale-West Palm Beach, FL Metro Area, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | withheld | withheld |
| FY2018 | 10 | $2.0 million |
| FY2019 | 8 | $3.9 million |
| FY2020 | 7 | $3.8 million |
| FY2021 | withheld | withheld |
| FY2022 | 10 | $4.4 million |
| FY2023 | 17 | $7.7 million |
| FY2024 | 29 | $5.2 million |
| FY2025 | 17 | $5.4 million |
| FY2026 | 11 | $9.2 million |
Most active SBA lenders
| Lender | Loans | Dollars |
|---|---|---|
| TD Bank, National Association | 31 | $3.0 million |
| JPMorgan Chase Bank, National Association | 8 | $1.8 million |
| The Huntington National Bank | 7 | $1.5 million |
| BayFirst National Bank | 5 | $1.4 million |
Lenders with 5 or more loans here; a lender with fewer is not listed, and loans SBA or a receiver holds are counted but never listed as a lender.
Where the loans are, by county
| County | Loans |
|---|---|
| Miami-Dade County, FL | 69 |
| Broward County, FL | 29 |
| Palm Beach County, FL | 21 |
Counties with 5 or more loans; smaller ones are not listed.
Metro is the CBSA (metropolitan or micropolitan statistical area) of the loan's project county, July 2023 delineation (OMB Bulletin 23-01). The county is matched by name (manifests/ld2/county-cbsa-map.csv); a loan whose county cannot be placed in a 2023 CBSA is left out of every metro.
A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.
Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; areas from the U.S. Census Bureau CBSA delineation, July 2023 (OMB Bulletin 23-01); Loan Analytics metro cell MA-33100-C22.
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