Veterinary Clinic Feasibility Study in the Austin-Round Rock-San Marcos, TX Metro Area

What SBA's own loan files show about veterinary clinic lending in the Austin-Round Rock-San Marcos, TX Metro Area, and what a feasibility study for a project there has to test.

Veterinary clinic in Austin: the loan record

Austin gets 34 loans approved for veterinary clinic, $59.8 million gross, from FY2017 to FY2026. Austin, for veterinary clinic, ranks 20 of 485 in the area ranking. Within Austin, veterinary clinic ranks 13 of 39. Austin's quotient is 1.21x: veterinary clinic above the national share.

Austin loan sizes and mix

The median Austin loan is $1.5 million; $457,775 to $3.4 million holds the middle half. Austin stands at 2.44x against the national class median. Austin loans run above the national middle. Austin has 27 loans under 7(a). Austin has 7 under 504. Austin 504 loans fund property and equipment. In Austin, 7(a) adds working capital or acquisitions. Austin franchise share of loans is 0.00%. Austin loans run larger. Austin borrowers carry a heavier payment, which Austin studies test.

Austin holders and counties

Holder in Austin: Live Oak Banking Company, 7 loans, $22.6 million, SBA 7(a). Listed Austin names are current holders, per SBA. Austin rows speak to files, not requirements. Austin borrowers see holders, not lenders. In Austin, by county, the loans are 15 in Williamson County, TX, 13 in Travis County, TX and 6 in Hays County, TX.

Austin years, floors and coding limits

Austin prints only these fiscal years. In FY2018, Austin had 5 loans worth $11.8 million. In FY2020, Austin had 5 loans worth $6.5 million. Other Austin years stay blank on thin counts. Austin blanks are silence, never zero, and Austin treats FY2026 as complete. Austin floors follow Loan Analytics' own rule. That Austin cohort holds fewer than 30 loans. The Austin cohort covers FY2017 to FY2021 disbursements. So Austin prints no cancellation floor. So Austin prints no charge-off floor. Austin's blank floor is no zero. Austin borrowers learn little from it. Any Austin rate that prints is a floor. Austin follows July 2023 boundaries. Austin places loans by project county. Austin drops loans lacking a placeable county.

Austin: testing a veterinary clinic project

Austin veterinary clinic projects open with the $1.5 million median, a size check for Austin. A veterinary clinic study in Austin measures caseload: appointments per doctor, the mix of wellness and procedure work, and the hours open. In Austin, doctor staffing is the binding constraint, so the study tests whether the practice can hire and keep the veterinarians its plan assumes. An Austin lender will ask for the equipment list, from diagnostics to surgical suites, priced and tied to the revenue it enables. Daniel Smith, MAI, signs each Austin study. Austin demand and cost come first. In Austin, coverage follows, then the appraisal. No Austin approval is promised by any study.

SBA veterinary clinic loans in the Austin-Round Rock-San Marcos, TX Metro Area

Loans approved, FY2017 to FY202634
Gross dollars approved$59.8 million
Median loan$1.5 million
Middle half of loans, from$457,775
Middle half of loans, to$3.4 million
SBA 7(a) loans27
SBA 504 loans7
Franchise share of loans0.00%
Rank among metro and micro areas for veterinary clinic loans20 of 485
Rank of veterinary clinic among the classes in this area13 of 39
Location quotient (share of loans against the national share)1.21x
Median loan against the national median for the class2.44x

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)withheld
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 veterinary clinic loans approved in the Austin-Round Rock-San Marcos, TX Metro Area, by fiscal year

012345FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025FY2026Loans, FY2018: 5Loans, FY2020: 5
Fiscal yearLoansDollars
FY2017withheldwithheld
FY20185$11.8 million
FY2019withheldwithheld
FY20205$6.5 million
FY2021withheldwithheld
FY2022withheldwithheld
FY2023withheldwithheld
FY2024withheldwithheld
FY2025withheldwithheld
FY2026withheldwithheld

Most active SBA lenders

SBA 7(a): lenders by loans approved (the current holder of each loan, as SBA reports it)
LenderLoansDollars
Live Oak Banking Company7$22.6 million

Lenders with 5 or more loans here; a lender with fewer is not listed, and loans SBA or a receiver holds are counted but never listed as a lender.

Where the loans are, by county

CountyLoans
Williamson County, TX15
Travis County, TX13
Hays County, TX6

Counties with 5 or more loans; smaller ones are not listed.

Metro is the CBSA (metropolitan or micropolitan statistical area) of the loan's project county, July 2023 delineation (OMB Bulletin 23-01). The county is matched by name (manifests/ld2/county-cbsa-map.csv); a loan whose county cannot be placed in a 2023 CBSA is left out of every metro.

A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.

Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; areas from the U.S. Census Bureau CBSA delineation, July 2023 (OMB Bulletin 23-01); Loan Analytics metro cell MA-12420-C21.

Loan Analytics prepares the feasibility study a lender reads before it commits: for a veterinary clinic project in the Austin-Round Rock-San Marcos, TX Metro Area, 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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