SBA 7(a) Physical Therapy Clinic Feasibility Study in Idaho

Idaho physical therapy clinic lending: dollars and loan size

SBA lists 53 SBA 7(a) loans to rehabilitation and therapy clinics in Idaho between FY2017 and FY2026, with $9.9 million in gross dollars approved in Idaho. Half the Idaho loans sit at or below $85,500; the middle half of rehabilitation and therapy clinics spans $30,500 up to $150,000. Set beside the nationwide rehabilitation and therapy clinics median under SBA 7(a), Idaho reads 0.61x, a lighter lean for rehabilitation and therapy clinics in Idaho. Franchising plays no part among these loans, with a franchise share of 0.00% in Idaho.

Rank 21 among states is where Idaho lands for SBA 7(a) rehabilitation and therapy clinics, and 10 of 39 is the class's place inside Idaho. The busiest Idaho year was FY2025, with 9 loans and $2.8 million; with FY2026 at 3 loans, $777,000. Idaho therapy clinics use 7(a) for build-out, equipment and working capital during the months a caseload builds, and this cell isolates that program from the blended view.

Most Idaho loans sit with Glacier Bank, which holds 8 worth $1.1 million. Next come Idaho Central CU: 7 loans, $1.5 million in all, D. L. Evans Bank: 6 loans, $393,600 in all and Wells Fargo Bank National Association: 5 loans, $523,000 in all. SBA's Idaho file puts Glacier Bank first among 53 loans, where each name holds or held rehabilitation and therapy clinics loans; none is rated. Among counties of Idaho, Ada shows 14 loans; next are Kootenai with 14 and Bannock with 6. Lower on the list are Canyon 4, Bonner 3 and Twin Falls 3.

What the Idaho outcome figures leave out

Of the FY2017 to FY2024 Idaho approvals, at least 4.9% were cancelled after approval, and counting undisbursed loans changes nothing, so 4.9% is also the ceiling. On losses, too few Idaho loans were funded, and a Idaho blank is not a clean bill. Only SBA lending is counted in Idaho.

Testing an Idaho therapy clinic

Referral sources decide volume, so the study should list the physicians and hospital groups near Ada that could send patients, and show how the clinic earns their trust. Reimbursement per visit is under steady pressure, which makes the forecast sensitive to payer mix, visits per case and therapist productivity. Hiring is the bottleneck: licensed therapists are scarce, and the plan must show who treats patients in the first year. Equipment and floor space are modest beside staff cost, so a typical $85,500 loan mostly funds ramp-up working capital. Because treatment-room work is specialized, appraisers look at what the practice earns before they look at the premises.