Physical Therapy Clinic Feasibility Study in the San Diego-Chula Vista-Carlsbad, CA Metro Area

San Diego therapy clinics: a high cancellation floor

Rehabilitation and therapy clinics rank sixteenth locally in San Diego-Chula Vista-Carlsbad, 16 of 39, and the metro stands 18 of 406 nationally, with a location quotient of 0.89x that sits a little below the national weight. The 38 loans total $13.6 million across FY2017 to FY2026. Loan size in San Diego: $185,500 at the median (1.24x nationally) and $104,275 to $400,575 through the middle half.

By program the 38 loans divide into 30 on 7(a) and 8 on 504, and all of them sit in San Diego County, CA, so metro and county coincide. No holder reaches the listing threshold, which is why no lender is named, and Loan Analytics withholds the franchise share. For a borrower, the practical meaning is that a lender comparison must come from beyond this page, and that no brand benchmark exists for a clinic here.

Loss floor and years

The floor for cancellation after approval is 20.0% (FY2017 to FY2024 approvals), and the rest of the loss picture is withheld by Loan Analytics; withheld values are not zero. The floor deserves a borrower's attention. Three years print, each on 5 loans: $1.1 million in FY2017, $1.6 million in FY2018 and $2.0 million in FY2020. The remaining years are held back, so lending after FY2020 cannot be read, and the early figures say little about conditions today.

Metro membership for San Diego follows the loan's project county; an unplaceable county means the loan is left out of the area figures. All 38 loans share one county, so the county and metro counts agree, and the program split of 30 loans on 7(a) and 8 on 504 describes the whole record.

What a San Diego therapy clinic study has to test

Where patients come from, which payers cover them and which rival practices sit in each submarket are the first questions. Tenant improvements and equipment are costed against the $185,500 midpoint, therapist payroll must leave visits enough to meet the debt, and valuation separates the practice from any real estate. All 38 loans being in San Diego County, a study can compare the site with the whole local record rather than a subset of it. A study is never a commitment that a lender will approve.