SBA 7(a) Physical Therapy Clinic Feasibility Study in Wisconsin
What SBA's own loan files show about SBA 7(a) lending to rehabilitation and therapy clinic projects in Wisconsin, and what a feasibility study for an SBA 7(a) loan there has to test.
The Wisconsin SBA 7(a) physical therapy clinic book in detail
Counting from FY2017, the agency's loan records list 30 approvals under 7(a) for physical therapy clinic projects in Wisconsin through FY2026, worth $6.3 million. Among the states, Wisconsin stands at 30 for physical therapy clinic loans under SBA 7(a) by count, and at home physical therapy clinic takes spot 20 of 39. The median physical therapy clinic loan in Wisconsin is $138,000; against the national median toward physical therapy clinic loans under SBA 7(a), 0.99x is the ratio, so Wisconsin projects use loans of similar size as their peers elsewhere. From $92,500 up to $200,000 lies half of the approvals in Wisconsin. The franchise share of Wisconsin loans is 3.3%. Neither the $138,000 median nor any other metric for Wisconsin physical therapy clinic loans is unusual against either parent group; Wisconsin's lenders, counties and years carry the physical therapy clinic page.
Who lends, where and when in Wisconsin
By county, Dane with 7, Waukesha with 6, Racine with 4 and Milwaukee with 3 top the physical therapy clinic loans in Wisconsin. Timing shows a simple story for physical therapy clinic in Wisconsin: approvals peaked at 6 loans, worth $555,000, in FY2017, and the series closes at 1 loans and $150,000 in FY2026.
Wisconsin: outcomes, read as minimums for physical therapy clinic
We hold back the Wisconsin physical therapy clinic cancellation rate, because too few Wisconsin loans sit in its cohort; treat the Wisconsin gap as withheld, not as zero physical therapy clinic cancellations. The charge-off rate for loans disbursed in FY2017 to FY2021 to Wisconsin physical therapy clinic borrowers is withheld; the Wisconsin cohort is too thin, so we give no Wisconsin number and imply no zero for physical therapy clinic. Each Wisconsin physical therapy clinic rate above is a minimum, as open physical therapy clinic loans can yet fail. SBA classifies Wisconsin borrowers by industry code, not by physical therapy clinic building or concept, so physical therapy clinic here is the code groupings, not physical therapy clinic's physical use of a Wisconsin site.
Questions an SBA 7(a) physical therapy clinic study in Wisconsin has to answer
Under 7(a), a Wisconsin physical therapy clinic request is judged by the Wisconsin participating lender, whose partly backed physical therapy clinic loan depends on Wisconsin cash flow and the real estate the Wisconsin study must document. Caseload for a Wisconsin physical therapy clinic depends on local physicians, insurance coverage and nearby existing clinics. Build-out cost and therapist hiring sit in the Wisconsin physical therapy clinic budget. Debt service coverage for Wisconsin physical therapy clinic must be shown at the $138,000 median and as well near $200,000, the top end of the Wisconsin middle half, with a weaker physical therapy clinic case beside both. Appraisal for physical therapy clinic property across Wisconsin turns on what another medical user would pay.
Loan Analytics presents the 30 Wisconsin approvals as SBA's Wisconsin records, not a projection for any physical therapy clinic project; Daniel Smith, MAI, signs a physical therapy clinic study that addresses Wisconsin conditions first, and Wisconsin approvals promise nothing.
SBA 7(a) rehabilitation and therapy clinic loans in Wisconsin
| Loans approved, FY2017 to FY2026 | 30 |
|---|---|
| Gross dollars approved | $6.3 million |
| Median loan | $138,000 |
| Middle half of loans, from | $92,500 |
| Middle half of loans, to | $200,000 |
| Franchise share of loans | 3.3% |
| Rank among states for SBA 7(a) rehabilitation and therapy clinic loans, by number of loans | 30 |
| Rank of rehabilitation and therapy clinic among classes in Wisconsin | 20 of 39 |
| Median loan against the national SBA 7(a) median for the class | 0.99x |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | not reported: fewer than 30 loans in the cohort |
|---|---|
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | not reported: fewer than 30 loans in the cohort |
Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.
SBA 7(a) rehabilitation and therapy clinic loans approved in Wisconsin, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | 6 | $555,000 |
| FY2018 | 1 | $1.1 million |
| FY2019 | 1 | $90,000 |
| FY2020 | 4 | $858,000 |
| FY2021 | 2 | $137,000 |
| FY2022 | 2 | $228,500 |
| FY2023 | 3 | $1.8 million |
| FY2024 | 4 | $530,000 |
| FY2025 | 6 | $857,500 |
| FY2026 | 1 | $150,000 |
Where the loans are, by county
| County | Loans |
|---|---|
| DANE | 7 |
| WAUKESHA | 6 |
| RACINE | 4 |
| MILWAUKEE | 3 |
| BROWN | 2 |
| SAINT CROIX | 2 |
| CALUMET | 1 |
| JUNEAU | 1 |
| LA CROSSE | 1 |
| OUTAGAMIE | 1 |
Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; Loan Analytics loan-outcome cell SAP-WI-C22-7A.
Related feasibility study pages
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Loan Analytics prepares the feasibility study a lender reads before it commits: for a rehabilitation and therapy clinic project in Wisconsin, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.
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