Physical Therapy Clinic Feasibility Study in the Orlando-Kissimmee-Sanford, FL Metro Area

Above-parity concentration in Orlando

Orlando's therapy-clinic record outweighs the country's. A quotient of 1.46x places rehabilitation and therapy clinics well above their national share, and the area ranks 16 of 406. Inside the metro the class is 11 of 39. SBA approved 46 loans between FY2017 and FY2026 for $14.9 million, of which 41 are 7(a) and 5 are 504.

Larger tickets than elsewhere

The midpoint of $250,000 is 1.67x the class's national midpoint, and typical loans range from $104,075 to $356,000. A clinic needs treatment rooms, an exercise floor, billing systems and equipment. A study should say whether its request is a build-out or a practice acquisition, because cost, timing and the appraisal differ for each. The median sits 1.67x above the class nationally, so coverage should be tested near the $356,000 upper edge as well. Franchises hold 19.6% of loans, so branded therapy concepts are present but not dominant.

Counties and holders

Orange County has 31 loans, with Lake, Osceola and Seminole counties at 5 each, so the Orlando core carries most of the record. TD Bank, National Association is listed on 8 loans worth $887,000, and Newtek Bank, National Association on 6 worth $2.5 million. Newtek holds fewer loans than TD Bank but for more dollars, on SBA's current-holder basis.

The sharp end of the series

FY2026 stands out with 16 loans and $5.3 million, more than any other printed year. Others: FY2018 with 6 and $1.2 million, FY2023 with 7 and $1.7 million, and FY2025 with 6 and $3.2 million. Every other year stays behind Loan Analytics' small-count rule. Orlando shows no cancellation rate because its cohort is under thirty loans, and Loan Analytics withholds the charge-off rate. Neither means zero.

A study for an Orlando therapy practice

A therapy study depends on referrals, so it should test the referral base: physicians, hospitals, orthopedic and sports practices, and the share of patients coming through insurance, whose reimbursement rates the study must source on its own, since none appear here. It should test therapist supply and pay, treatment-room count against visits per day, and build-out cost against a loan near $250,000. A new clinic builds its caseload slowly, so payment coverage should be shown through that ramp. The appraisal separates the clinic's goodwill and income from any real estate.