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NAICS 621340 · Health Care
SBA loans for offices of physical, occupational and speech therapists, and audiologists
5,730 SBA loans worth $1.72B have been approved in this industry since FY2010 - the #43 most-financed NAICS code in the country.
Median loan
$145,000
-19% vs all industries
Typical range
$25K-$725K
Middle 80%
Median rate
7.00%
7(a) initial note rate
Median term
10 yr
Charge-off rate
4.5%
vs 7.6% all industries
Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.
Lenders
Most active in this industry
| Lender | Loans | Approved | Share |
|---|---|---|---|
| Wells Fargo Bank | 349 | $97.3M | |
| JPMorgan Chase Bank | 388 | $73.0M | |
| The Huntington National Bank | 310 | $60.3M | |
| U.S. Bank | 138 | $53.2M | |
| Newtek Bank | 113 | $33.0M | |
| PNC Bank | 119 | $31.8M | |
| TD Bank | 196 | $29.4M | |
| Florida Business Development Corporation | 40 | $25.9M | |
| Enterprise Bank & Trust | 17 | $23.0M | |
| Live Oak Banking Company | 40 | $22.0M |
Geography
Where these loans were made
| State | Loans | Share |
|---|---|---|
| California | 585 | |
| Texas | 486 | |
| New York | 483 | |
| Florida | 375 | |
| Washington | 220 | |
| Michigan | 194 | |
| Massachusetts | 191 | |
| New Jersey | 178 |
An SBA 7(a) lender for loans this size
75% of the SBA loans approved in offices of physical, occupational and speech therapists, and audiologists since FY2010 were under $350,000. SmartBiz makes SBA 7(a) loans up to $500,000. It is shown here as a separate, labelled option, outside the data rankings on this page. You apply on their site - we do not take applications and never see your information.
Check options with SmartBizWe may be paid if you apply through this link. It does not change what we publish, and no lender can buy a place in our rankings. Details.
Approvals by fiscal year
Loan count. Final bar is a partial fiscal year.
Loan sizes
- Under $50K21%
- $50K - $150K30%
- $150K - $350K25%
- $350K - $1M18%
- $1M - $2M5%
- Over $2M2%
Franchise brands in Offices of Physical, Occupational and Speech Therapists, and Audiologists
| Franchise brand | Loans | Approved | Share |
|---|---|---|---|
| FYZICAL Therapy & Balance Centers | 103 | $24.1M | |
| Success On The Spectrum | 21 | $7.3M | |
| OsteoStrong | 15 | $3.1M | |
| Physical Therapy NOW | 11 | $2.3M | |
| Essential Speech and ABA Therapy | 6 | $1.6M | |
| Stretch Zone | 4 | $730K | |
| Massage Envy | 3 | $1.1M | |
| Miracle-Ear | 3 | $452K | |
| US Cryotherapy | 3 | $819K | |
| True REST | 2 | $902K |
Brands with the most SBA loans recorded under this NAICS code, among brands with at least 10 loans in the file.
Nearby
Other health care industries
Common questions
- How much do SBA lenders typically lend to a offices of physical, occupational and speech therapists, and audiologists business?
- The median SBA approval in NAICS 621340 is $145,000, with the middle 80% of loans between $25,000 and $724,600. Across all industries the median is $180,000.
- Which lenders are most active in offices of physical, occupational and speech therapists, and audiologists?
- By dollars approved: Wells Fargo Bank, JPMorgan Chase Bank, The Huntington National Bank, U.S. Bank, Newtek Bank. A lender's experience in your NAICS code matters - underwriters who have seen a hundred deals like yours ask better questions and move faster.
- Is offices of physical, occupational and speech therapists, and audiologists considered a risky industry by SBA lenders?
- Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 4.5% were charged off, versus 7.6% across all SBA lending. That is below average, which generally makes lenders more comfortable with the sector.
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