Physical Therapy Clinic Feasibility Study in the San Juan-Bayamón-Caguas, PR Metro Area

San Juan clinics: more than three times the national weight

Inside San Juan, Bayamon and Caguas the rehabilitation and therapy clinic class ranks 5 of 39; against all areas, San Juan, Bayamon and Caguas ranks 11 of 406 for rehabilitation and therapy clinic. A location quotient of 3.52x means clinics weigh more than three times as heavily in the area's lending as in the country. SBA's files list 67 loans for $9.3 million, FY2017 to FY2026. Physical therapy clinic borrowers in San Juan, Bayamon and Caguas see a $60,600 median, 0.40x of the national physical therapy clinic figure; ordinary loans run $27,500 to $169,750. These are small credits.

San Juan Municipio supplies 18 loans, Bayamon Municipio 12, Carolina Municipio 5 and Toa Baja Municipio 5. Banco Popular de Puerto Rico holds 37 loans for $4.1 million and Oriental Bank holds 21 for $3.6 million, a concentration in two institutions that a borrower should weigh. Franchise ownership reads 0.00%. Loan Analytics does not print the 7(a) versus 504 split, since the cohort is thin. The lender table shows SBA’s record of holders, and says nothing about Banco Popular de Puerto Rico’s standards.

Printed years begin late: 5 loans and $340,100 in FY2019, then 12 and $2.5 million in FY2023, 12 and $758,500 in FY2024, 12 and $2.8 million in FY2025 and 10 and $1.1 million in FY2026. In the San Juan, Bayamon and Caguas physical therapy clinic cell, the earlier years go unprinted for want of enough loans; none is inferred. The pattern describes steady recent use, not a long history.

What a clinic study in San Juan has to test

Clinic plans need testing on referral sources and insurer reimbursement, therapist staffing, equipment and leasehold cost, and whether visit counts can service the debt. In the San Juan, Bayamon and Caguas area, a physical therapy clinic loan counts by project county name match under the July 2023 county list. Loans without matches are omitted. The figures are background to a clinic plan and pledge no credit; with a median of $60,600, a study should set any larger request beside the $169,750 upper quartile edge.