The veterinary clinic record in Kansas City

From FY2017 to FY2026, Kansas City had 33 SBA-approved veterinary clinic loans worth $39.4 million. Kansas City, for veterinary clinic, ranks 21 of 485 in the area ranking. Within Kansas City, veterinary clinic ranks 12 of 39. Kansas City has a quotient of 1.48x, veterinary clinic above the national share. Kansas City counties lie in KS and MO.

Kansas City size and franchise status

The median Kansas City loan is $766,000; $372,800 to $1.6 million holds the middle half. Kansas City stands at 1.23x against the national class median. Kansas City loans run above the national middle. Kansas City counts 28 loans under SBA 7(a). Kansas City counts 5 under SBA 504. Kansas City finances fixed assets through 504. In Kansas City, 7(a) is the broader program. Kansas City's split shows its financing mix. Kansas City loans show a 0.00% franchise share. Kansas City loans run bigger. In Kansas City, a study must prove the payment.

Kansas City: lenders and counties

Kansas City SBA 7(a) holder: 9 loans, $19.2 million, Live Oak Banking Company. Holder in Kansas City: Commerce Bank, 5 loans, $2.1 million, SBA 7(a). Listed Kansas City names are current holders, per SBA. Kansas City rows speak to files, not requirements. Kansas City borrowers read the list as holders. Kansas City veterinary clinic lenders get first tests. The Kansas City rows by county read 15 in Johnson County, KS, then 9 in Jackson County, MO.

Kansas City years, floors and coding limits

Few Kansas City years print. Kansas City shows 5 loans, $4.6 million, in FY2018. Kansas City shows 6 loans, $3.0 million, in FY2021. Kansas City shows 5 loans, $5.8 million, in FY2023. Other Kansas City years are withheld. Thin counts leave Kansas City totals unknown. In Kansas City, no blank is a zero, and Kansas City treats FY2026 as complete. Floors in Kansas City follow Loan Analytics' own rule. The Kansas City cohort holds fewer than 30 loans. Kansas City disbursements cover FY2017 to FY2021. No Kansas City cancellation floor prints. No Kansas City charge-off floor prints either. Kansas City's blank floor is no zero. Kansas City borrowers learn little from it. Any Kansas City rate that prints is a floor. Kansas City follows July 2023 boundaries. Kansas City places loans by project county. Kansas City drops loans lacking a placeable county.

Kansas City: veterinary clinic feasibility questions

Kansas City treats $372,800 to $1.6 million as the range to explain in Kansas City. For a practice purchase in Kansas City, the appraisal must price the practice name apart from the hardware and the building. We would test the Kansas City floor plan for exam rooms, kennels and isolation, since layout sets how many patients a day can be seen. A Kansas City study should model a slow ramp for a start-up clinic and show the loan payment against revenue in that first stretch. Daniel Smith, MAI, signs each Kansas City study. Kansas City demand and cost come first. In Kansas City, coverage follows, then the appraisal. Kansas City borrowers are promised no approval here.

SBA veterinary clinic loans in the Kansas City, MO-KS Metro Area

Loans approved, FY2017 to FY2026	33
Gross dollars approved	$39.4 million
Median loan	$766,000
Middle half of loans, from	$372,800
Middle half of loans, to	$1.6 million
SBA 7(a) loans	28
SBA 504 loans	5
Franchise share of loans	0.00%
Rank among metro and micro areas for veterinary clinic loans	21 of 485
Rank of veterinary clinic among the classes in this area	12 of 39
Location quotient (share of loans against the national share)	1.48x
Median loan against the national median for the class	1.23x

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 Kansas City, MO-KS Metro Area, by fiscal year

Fiscal year	Loans	Dollars
FY2017	withheld	withheld
FY2018	5	$4.6 million
FY2019	withheld	withheld
FY2020	withheld	withheld
FY2021	6	$3.0 million
FY2022	withheld	withheld
FY2023	5	$5.8 million
FY2024	withheld	withheld
FY2025	withheld	withheld
FY2026	withheld	withheld

Most active SBA lenders

SBA 7(a): lenders by loans approved (the current holder of each loan, as SBA reports it)
Lender	Loans	Dollars
Live Oak Banking Company	9	$19.2 million
Commerce Bank	5	$2.1 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
Johnson County, KS	15
Jackson County, MO	9

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-28140-C21.

Related feasibility study pages

Loan Analytics prepares the feasibility study a lender reads before it commits: for a veterinary clinic project in the Kansas City, MO-KS 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 Kansas City, MO-KS Metro Area