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

How large Oregon physical therapy clinic loans run

In Oregon, rehabilitation and therapy clinics took 36 loans under SBA 7(a); gross Oregon approvals total $13.2 million from FY2017 through FY2026. From $68,750 to $350,000 covers the middle half of the Oregon loans, around a median of $105,550. The ratio of the Oregon median to the rehabilitation and therapy clinics median nationwide under SBA 7(a) is 0.75x, so Oregon borrowers take lighter rehabilitation and therapy clinics loans at the midpoint. A franchise listing appears on 5.6% of the loans in this physical therapy clinic cell for Oregon.

On SBA 7(a) loan counts for rehabilitation and therapy clinics, rank 25 belongs to Oregon; the class sits at 18 of 39 in Oregon's own table. Volume crested in FY2021: 6 loans, $5.2 million; and FY2026 records 5 loans for $1.4 million. Oregon's 7(a) therapy loans are smaller than the national median and the class ranks well down the state's list, so the cell shows a modest program footprint.

Most Oregon loans sit with Banner Bank, which holds 11 worth $1.2 million. Banner Bank opens SBA's list for Oregon rehabilitation and therapy clinics; the 36 loans show holders past and present in Oregon, not how any lends. Geographically, Multnomah stands first with 12, Lane second with 8, and Clackamas third with 4. Smaller counts appear in Jackson 3, Deschutes 2 and Hood River 2.

Oregon outcomes: cancellations, charge-offs and code limits

Since Oregon shows only 36 loans, few Oregon approvals sit in the FY2024 cohort, and Oregon charge-off counts stay unpublished. Silence is not a rate of zero. Conventional loans in Oregon stay outside this file.

Testing an Oregon therapy practice

Cancellations and no-shows cut revenue, so show the schedule at realistic attendance rather than full books. List the referral sources near Multnomah, and confirm whether patients can book without a physician's referral. With pay per visit under pressure, test the payer mix and the visits per case. Licensed therapists are hard to hire. Equipment and floor space are modest beside payroll, so a loan near $105,550 mostly funds working capital while the caseload builds. An appraiser looks to practice earnings rather than the premises. Whatever the plan concludes, Oregon lenders and borrowers should read it beside these loan records and the clinic's own caseload build, month by month.