SBA 504 Medical Office Feasibility Study in Idaho

How large Idaho medical office loans run

The SBA 504 record for physicians' offices in Idaho runs to 33 loans and $19.1 million approved, counting FY2017 to FY2026 in Idaho. From $313,000 to $740,000 covers the middle half of the Idaho loans, around a median of $401,000. Set beside the nationwide physicians' offices median under SBA 504, Idaho reads 0.60x, a lower tilt for physicians' offices in Idaho. The franchise share is 0.00%; owners of Idaho physicians' offices operate independently.

Among states, Idaho ranks 10 for physicians' offices under SBA 504; among the classes of Idaho itself, physicians' offices rank 3 of 39. Approvals in Idaho peaked in FY2018 at 6 loans worth $3.1 million, with FY2026 at 4 loans, $2.6 million. Within Idaho the 504 physicians' offices class takes 3 of 39, which warrants a program view despite a modest loan count.

Most Idaho loans sit with Capital Matrix, Inc., which holds 23 worth $11.6 million. Capital Matrix, Inc. opens SBA's list for Idaho physicians' offices; the 33 loans show holders past and present in Idaho, not how any lends. Geographically, Ada stands first with 15, Kootenai second with 5, and Bannock third with 4. Smaller counts appear in Madison 3, Bonneville 2 and Twin Falls 2.

Cancellation and loss figures for Idaho physicians' offices

Across 33 Idaho loans, a Idaho cancellation rate lacks enough approvals, and also funded Idaho loans are too few for charge-offs. A blank here is unknown, never zero. Only loans in SBA's Idaho files appear. This record of Idaho physicians' offices loans is context, not a forecast of approval for any Idaho project.

What an Idaho medical building study must show

A 504 request puts the practice in a building it owns, so the study must explain why owning beats leasing near Ada and what another physician group would pay for the space. Count the patients and payer contracts behind the schedule and how quickly it fills. Payer mix and collection days drive the forecast, not list prices. Staffing and records software need their own lines because a loan near $401,000 seldom stretches past fit-out. Plumbing in every exam room makes repurposing costly. Idaho borrowers and lenders should read the study beside these loan records, and note plainly where the proposed practice departs from the typical office here.