Physical Therapy Clinic Feasibility Study in the Riverside-San Bernardino-Ontario, CA Metro Area

Inland Empire therapy clinics borrow heavily

Riverside-San Bernardino-Ontario stands 17 of 406 nationally for rehabilitation and therapy clinic lending, though locally the class is down at sixteenth, 16 of 39, with a 0.80x location quotient below its national weight; the loans are big. Median $325,000; national comparison 2.17x; middle half from $142,500 to $762,975. Those three figures frame what an Inland Empire request usually looks like. The location quotient of 0.80x and the 2.17x median ratio point in opposite directions: the class is small in the local mix, yet each loan in it is large beside the class median nationwide. The record holds 42 loans and $26.2 million across FY2017 to FY2026.

Of the 42 loans, 34 used 7(a) and 8 used 504; franchise flags are absent (0.00%). The sole holder table entry belongs to JPMorgan Chase Bank, National Association, at 5 loans and $688,000. This is SBA's account of who holds the loans; it is not a ranking of lenders by merit. San Bernardino County, CA has 23 loans and Riverside County, CA 19, so a study of a clinic in either county has local loans to compare against. Only JPMorgan Chase appears in the holder table, which leaves the rest of the loans with holders too small to list.

A very short yearly record

With too few loans behind them, cancellation and charge-off rates for Inland Empire therapy clinics are withheld by Loan Analytics, and the page treats the gaps as gaps, not as zero. Only FY2025 and FY2026 print: 7 loans and $3.6 million, then 9 loans and $7.3 million. Every year from FY2017 to FY2024 is held back for thin counts, so the page cannot say whether this lending is new or long established.

A loan belongs to the Riverside-San Bernardino-Ontario metro only if its project county appears in the July 2023 delineation; loans from counties without a match are removed.

What a physical therapy study must test

Referral sources, payer mix and the rival clinics in each submarket come under test first, . Equipment and tenant improvements must be costed against the $325,000 midpoint, therapist payroll must leave visit volume enough to cover the debt, and valuation separates practice from real estate. None of these figures guarantees an outcome.