Veterinary Clinic Feasibility Study in Nebraska

Small tickets, outsized weight

Veterinary clinics in Nebraska are a modest book in absolute terms, 34 loans and $18.1 million in gross dollars approved from FY2017 to FY2026, yet the class matters more here than the national picture would predict. Its location quotient of 1.78x means clinics make up a larger share of Nebraska's SBA approvals than they do across the country, and the class sits 10 of 39 among asset classes inside the state. As a state-by-state league table, though, Nebraska is a mid-pack market at 30 of 53 for clinic loans. The median loan is $215,700, only 0.35x the national median for the class, so Nebraska clinics are financed far more lightly than clinics elsewhere.

Programs, geography and lenders

Nearly all of the activity is SBA 7(a): 29 loans, against 5 under SBA 504. The middle half of loans runs from $118,750 to $652,500, which describes practice acquisitions, equipment and modest fit-outs far better than ground-up hospitals. None of the loans is flagged as a franchise, a franchise share of 0.00%, so this is independent-practice lending. Lancaster County leads with 8 loans, Douglas follows with 5 and Sarpy with 3, with single loans scattered as far as Box Butte, Cherry, Cuming and Dakota. Union Bank and Trust Company is the one lender the record singles out, holding 9 loans worth $1.7 million. SBA lists this as a loan book that lender holds or held, and it describes the book, not the lender's standards.

What the timeline suggests

Activity was front-loaded. FY2017 alone produced 10 loans and $4.2 million, and the later years settled at a few loans each, with 1 in FY2024 and 4 in FY2025. A borrower should not read that thin tail as a verdict on demand; the counts are small enough that one or two closings move any single year.

Floors that are not published

Nebraska's cohorts are too small to support a cancellation or charge-off rate, so both rates are withheld on this page and should not be read as zero. A lender weighing a Nebraska clinic has no state-level loss figure to lean on and must lean on the applicant's own record. The industry code here is ordinary, with no coding limit attached to this cell.

Testing a Nebraska clinic plan

Any study of a veterinary clinic project in Nebraska should begin with demand that is local rather than statewide: the count of companion-animal households and, in rural counties, large-animal work within a practical radius, set against existing practices and the difficulty of recruiting a veterinarian. Project cost has to be tested against a typical ticket far below the national one, since a plan far above $652,500 sits outside what most lenders in this record have funded. The coverage ratio needs to hold at a patient volume the first years can plausibly reach, and an acquisition needs an appraisal that carries building and goodwill together.