Veterinary Clinic Feasibility Study in the Jacksonville, FL Metro Area

Jacksonville, FL Metro Area places veterinary clinics at 11 of 39 locally, yet ranks 19 of 485 when areas are ordered on the class. A location quotient of 2.17x shows clinics taking well over their national share of local SBA lending, the clearest contrast with the area's all-class record. The file holds 36 loans and $59.8 million approved across FY2017 to FY2026. The median loan of $1.0 million is 1.61x the national median, so clinics financed here run larger than the typical one.

Sizes, ownership and a lender concentration

Half of the loans sit between $556,500 and $2.7 million, a wide band. With a franchise share of 0.00%, no clinic in this cell carried a franchise flag. Loan Analytics withholds the program split. Under 7(a), SBA shows Live Oak Banking Company as current holder of 14 loans worth $29.8 million. That entry records who carries the paper now and gives no view of the company's approach to any applicant. A borrower can read it as showing which institutions hold this class today, not which would lend again.

Counties and years

St. Johns County, FL accounts for 14 loans and Duval County, FL for 10, so a study should look at the site's own county and not only the area as a whole. The printed years are FY2017 (5 loans, $6.1 million), FY2019 (6 loans, $6.4 million) and FY2024 (5 loans, $10.5 million). The rest are withheld since too few loans sit behind each, which does not make them empty. A trend cannot be read from three years.

Questions for a clinic study

Jacksonville clinics have no cancellation or charge-off measure printed, their cohort being too small. A study for a clinic here has to test the catchment, meaning pet-owning homes around the site, and the practices already serving that catchment, and whether the plan depends on one veterinarian or a team. It should price the building or fit-out, the equipment and the working capital against a request that may reach toward $2.7 million, show that fee income covers the debt once the practice has matured, and support the appraisal of a specialised building. Past loans are context only, and they give no forecast for a new request. Lenders weigh how the plan's staffing, equipment and building cost compare with a loan near the $1.0 million median, and why the sponsor expects a mature practice to carry the debt.