Veterinary Clinic Feasibility Study in the Houston-Pasadena-The Woodlands, TX Metro Area
What SBA's own loan files show about veterinary clinic lending in the Houston-Pasadena-The Woodlands, TX Metro Area, and what a feasibility study for a project there has to test.
A veterinary clinic record for Houston-Pasadena-The Woodlands
68 SBA loans worth $80.7 million were approved in Houston-Pasadena-The Woodlands, TX from FY2017 to FY2026, a rank of 6 of 485 among metro and micro areas. Counting veterinary clinic loans, Houston-Pasadena-The Woodlands stands at 0.99x the national share: Houston-Pasadena-The Woodlands tracks the national weighting. Inside Houston-Pasadena-The Woodlands, the class ranks 15 of 39, a mid-sized piece. Each Houston-Pasadena-The Woodlands project county is in TX.
The median Houston-Pasadena-The Woodlands loan comes to $967,000, with its middle half between $437,500 and $1.9 million. The local median is 1.56x the class median nationally, so Houston-Pasadena-The Woodlands borrowers draw bigger loans. Houston-Pasadena-The Woodlands programs split 63 to 7(a) and 5 to 504, shaping each request. With 504 in Houston-Pasadena-The Woodlands, the collateral is fixed assets. No franchise share is printed for Houston-Pasadena-The Woodlands, as counts are thin, and Houston-Pasadena-The Woodlands brand status stays open.
Houston-Pasadena-The Woodlands holders and counties for veterinary clinic
Under 7(a) in Houston-Pasadena-The Woodlands, the leading holders recorded are Live Oak Banking Company reports 14 loans, $23.6 million in all; The Huntington National Bank reports 6 loans, $3.1 million in all; United Community Bank (SC) reports 5 loans, $5.6 million in all; and JPMorgan Chase Bank, National Association reports 5 loans, $721,000 in all. No 504 holder is listed for Houston-Pasadena-The Woodlands. Every Houston-Pasadena-The Woodlands row is an SBA record. Houston-Pasadena-The Woodlands lenders hold or held these loans. Houston-Pasadena-The Woodlands figures show files, not conduct. Nothing in Houston-Pasadena-The Woodlands shows what a lender will ask. In Houston-Pasadena-The Woodlands, by county, 37 loans sit in Harris County, TX, then Montgomery County, TX at 7, Brazoria County, TX at 6, Fort Bend County, TX at 6 and Galveston County, TX at 5.
The printed yearly approvals for the area are 13 loans and $17.3 million in FY2017, 8 loans and $6.3 million in FY2018, 11 loans and $8.9 million in FY2019, 6 loans and $7.3 million in FY2021, 8 loans and $9.7 million in FY2023 and 5 loans and $3.5 million in FY2024. Years not shown stay blank on thin counts, so blank years in Houston-Pasadena-The Woodlands may hold loans. Of all FY2017 to FY2024 approvals in the area, at least 14.0% were cancelled once approved, a floor. Houston-Pasadena-The Woodlands has no published charge-off floor. In Houston-Pasadena-The Woodlands, a thin cohort means unpublished. Every Houston-Pasadena-The Woodlands figure follows the July 2023 delineation, with Houston-Pasadena-The Woodlands loans placed by project county, while Houston-Pasadena-The Woodlands leaves out unplaced counties.
Proving a veterinary clinic project in Houston-Pasadena-The Woodlands
A study takes this record down to a single parcel. It should show who will recruit and keep the veterinarians, examine goodwill where an existing practice is bought, and price the surgical suite and kennel build-out. It should also weigh the emergency services nearby and their pull, and list the equipment with its useful lives. Demand, then cost, coverage and value, are the tests, and the figures here offer evidence, not a promise.
SBA veterinary clinic loans in the Houston-Pasadena-The Woodlands, TX Metro Area
| Loans approved, FY2017 to FY2026 | 68 |
|---|---|
| Gross dollars approved | $80.7 million |
| Median loan | $967,000 |
| Middle half of loans, from | $437,500 |
| Middle half of loans, to | $1.9 million |
| SBA 7(a) loans | 63 |
| SBA 504 loans | 5 |
| Franchise share of loans | withheld |
| Rank among metro and micro areas for veterinary clinic loans | 6 of 485 |
| Rank of veterinary clinic among the classes in this area | 15 of 39 |
| Location quotient (share of loans against the national share) | 0.99x |
| Median loan against the national median for the class | 1.56x |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 14.0% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | 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 Houston-Pasadena-The Woodlands, TX Metro Area, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | 13 | $17.3 million |
| FY2018 | 8 | $6.3 million |
| FY2019 | 11 | $8.9 million |
| FY2020 | withheld | withheld |
| FY2021 | 6 | $7.3 million |
| FY2022 | withheld | withheld |
| FY2023 | 8 | $9.7 million |
| FY2024 | 5 | $3.5 million |
| FY2025 | withheld | withheld |
| FY2026 | withheld | withheld |
Most active SBA lenders
| Lender | Loans | Dollars |
|---|---|---|
| Live Oak Banking Company | 14 | $23.6 million |
| The Huntington National Bank | 6 | $3.1 million |
| United Community Bank (SC) | 5 | $5.6 million |
| JPMorgan Chase Bank, National Association | 5 | $721,000 |
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 |
|---|---|
| Harris County, TX | 37 |
| Montgomery County, TX | 7 |
| Brazoria County, TX | 6 |
| Fort Bend County, TX | 6 |
| Galveston County, TX | 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-26420-C21.
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