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 FY2026 | 34 |
|---|---|
| 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) loans | 27 |
| SBA 504 loans | 7 |
| Franchise share of loans | 0.00% |
| Rank among metro and micro areas for veterinary clinic loans | 20 of 485 |
| Rank of veterinary clinic among the classes in this area | 13 of 39 |
| Location quotient (share of loans against the national share) | 1.21x |
| Median loan against the national median for the class | 2.44x |
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
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | withheld | withheld |
| FY2018 | 5 | $11.8 million |
| FY2019 | withheld | withheld |
| FY2020 | 5 | $6.5 million |
| FY2021 | withheld | withheld |
| FY2022 | withheld | withheld |
| FY2023 | withheld | withheld |
| FY2024 | withheld | withheld |
| FY2025 | withheld | withheld |
| FY2026 | withheld | withheld |
Most active SBA lenders
| Lender | Loans | Dollars |
|---|---|---|
| Live Oak Banking Company | 7 | $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
| County | Loans |
|---|---|
| Williamson County, TX | 15 |
| Travis County, TX | 13 |
| Hays County, TX | 6 |
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.
Related feasibility study pages
- Veterinary clinic feasibility study and SBA loan data
- Feasibility Study Data for the Austin-Round Rock-San Marcos, TX Metro Area
- Veterinary Clinic Feasibility Study in Texas
- Feasibility study data and consultants for Texas
- Feasibility Study Data by Metro Area
- Feasibility studies for SBA 7(a) and 504 loans
- Veterinary Clinic Feasibility Study in the Los Angeles-Long Beach-Anaheim, CA Metro Area
- Veterinary Clinic Feasibility Study in the New York-Newark-Jersey City, NY-NJ Metro Area
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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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