Cleveland: veterinary clinic lending

In Cleveland, across FY2017 to FY2026, SBA approved 30 veterinary clinic loans, adding up to $21.4 million in gross approvals. In Cleveland, veterinary clinic lending sits 15 of 39 in the local class table; Cleveland sits at 25 of 485 across metro and micro areas on veterinary clinic loans. At 0.72x, Cleveland's location quotient puts veterinary clinic below the nation. A typical Cleveland loan, measured by the median, comes to $385,500. The middle half of Cleveland loans runs from $75,000 to $799,250, and the median is 0.62x the class median nationally. Cleveland clinic loans run smaller than the national class, with a median of $385,500 at 0.62x, and veterinary clinics carry a location quotient of 0.72x. One holder, The Huntington National Bank, has 16 SBA 7(a) loans worth $8.6 million, a large share of the dollars in the cell. No loan is to a franchised unit.

Cleveland has no printed program counts for 7(a) or 504, as Loan Analytics leaves off every figure drawn from fewer than 5 loans in a group. The franchise share of Cleveland loans stands at 0.00%, which means no franchised units show up in the Cleveland record. Among lenders named for Cleveland The Huntington National Bank has $8.6 million on its books in 16 SBA 7(a) loans. Cleveland's holder rows record current holders only. Cleveland borrowers get no signal of bank standards here. County by county: Cuyahoga County, OH has 10 loans; Lake County, OH has 5 loans; Lorain County, OH has 5 loans.

Cleveland: years, floors and limits

Cleveland can show only some years: FY2017 has 5 loans valued at $4.3 million; FY2021 has 5 loans worth $7.1 million; FY2023 records 5 loans valued at $4.2 million. In FY2026, a full fiscal year, Cleveland records 0 loans and $0. Withheld for Cleveland: FY2018 to FY2020, FY2022, FY2024 and FY2025. Cleveland's withheld years differ from none. Cleveland's cancellation rate: held back, under 30 loans. A charge-off rate for Cleveland: not published, below 30 loans in all. Cleveland uses Loan Analytics' own floor. Cleveland has a small FY2017 to FY2021 group. Cleveland sits on the July 2023 list. Cleveland sorts each loan by county. Cleveland omits unmatched loans.

Cleveland: what to test

A Cleveland clinic study should count the households with pets within reach of the address, name the practices already seeing them and set the doctor and technician payroll against the revenue per visit. With a middle half from $75,000 to $799,250, the study should say whether it is financing an equipment purchase, a practice acquisition or a new building, because each has different support. Show the loan payment covered through a slow first year, and let the appraisal rest on practice income that can be documented line by line.

SBA veterinary clinic loans in the Cleveland, OH Metro Area

Loans approved, FY2017 to FY2026	30
Gross dollars approved	$21.4 million
Median loan	$385,500
Middle half of loans, from	$75,000
Middle half of loans, to	$799,250
SBA 7(a) loans	withheld
SBA 504 loans	withheld
Franchise share of loans	0.00%
Rank among metro and micro areas for veterinary clinic loans	25 of 485
Rank of veterinary clinic among the classes in this area	15 of 39
Location quotient (share of loans against the national share)	0.72x
Median loan against the national median for the class	0.62x

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)	withheld

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 Cleveland, OH Metro Area, by fiscal year

Fiscal year	Loans	Dollars
FY2017	5	$4.3 million
FY2018	withheld	withheld
FY2019	withheld	withheld
FY2020	withheld	withheld
FY2021	5	$7.1 million
FY2022	withheld	withheld
FY2023	5	$4.2 million
FY2024	withheld	withheld
FY2025	withheld	withheld
FY2026	0	$0

Most active SBA lenders

SBA 7(a): lenders by loans approved (the current holder of each loan, as SBA reports it)
Lender	Loans	Dollars
The Huntington National Bank	16	$8.6 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
Cuyahoga County, OH	10
Lake County, OH	5
Lorain County, OH	5

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-17410-C21.

Related feasibility study pages

Loan Analytics prepares the feasibility study a lender reads before it commits: for a veterinary clinic project in the Cleveland, OH 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.

Daniel Smith, MAI

Veterinary Clinic Feasibility Study in the Cleveland, OH Metro Area