SBA 7(a) Urgent Care Feasibility Study in Texas

Scale of Texas urgent care center lending

The file for Texas urgent care centers under SBA 7(a) holds 40 loans from FY2017 to FY2026 and $68.3 million of gross dollars. The median Texas loan is $1.1 million, and the middle half of urgent care centers loans runs from $547,525 to $2.4 million. On the SBA 7(a) scale nationwide, Texas urgent care centers read 1.58x, an upward tilt for urgent care centers in Texas. A franchise listing appears on 5.0% of the loans in this urgent care center cell for Texas.

On SBA 7(a) loan counts for urgent care centers, rank 1 belongs to Texas; the class sits at 26 of 39 in Texas's own table. Volume crested in FY2017: 8 loans, $17.4 million; and FY2026 lists 4 loans worth $7.7 million. Texas leads all states in 7(a) urgent care lending, and loans run above the national median, so this cell shows the national leader apart from its blended class page.

Most Texas loans sit with PNC Bank, National Association, which holds 6 worth $11.4 million. Texas holders appear as SBA reports them, PNC Bank, National Association first; each holds or held urgent care centers loans here. Geographically, Harris stands first with 7, Fort Bend second with 6, and Bexar third with 4. The tail of the Texas top ten includes Collin 3, Comal 2 and Tarrant 2.

Outcomes and data limits for Texas

Within Texas, FY2017 to FY2024 approvals report 8.6% as the least that was cancelled, with the same 8.6% as a Texas ceiling once undisbursed loans count. Losses stay unprinted: funded loans in Texas are too few, and a Texas blank is not a clean bill. Texas walk-in clinics, ambulatory surgery centers and freestanding emergency rooms are filed together, so no figure here isolates urgent care alone. Only loans in SBA's Texas files appear.

What a Texas urgent care study must prove

Volume depends on location, hours and payer contracts, so the study should count walk-in demand near Harris and the clinics competing for it. Staffing extended hours is the hardest budget line: show recruiting and retention, not only a payroll figure. Uninsured visits move margin, so test payments on a loan near $1.1 million with a conservative payer mix. Imaging, laboratory equipment and licensing make build-out large, and the use of funds should be itemized room by room. An appraiser values medical space on alternative use, and a single-function layout may limit what it can be converted to.