NAICS 621420 · Health Care
SBA loans for outpatient mental health and substance abuse centers
980 SBA loans worth $507.7M have been approved in this industry since FY2010 - the #209 most-financed NAICS code in the country.
Median loan
$203,500
+13% vs all industries
Typical range
$25K-$1.5M
Middle 80%
Median rate
8.25%
7(a) initial note rate
Median term
10 yr
Charge-off rate
8.9%
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 |
|---|---|---|---|
| Newtek Small Business Finance, Inc. | 14 | $18.1M | |
| Wells Fargo Bank | 45 | $17.7M | |
| Florida Business Development Corporation | 10 | $14.9M | |
| U.S. Bank | 25 | $14.5M | |
| Celtic Bank Corporation | 34 | $14.0M | |
| First Bank of the Lake | 10 | $13.3M | |
| Arizona Capital Source | 9 | $11.5M | |
| Harvest Small Business Finance, LLC | 9 | $11.2M | |
| Readycap Lending, LLC | 20 | $11.0M | |
| The Huntington National Bank | 64 | $10.7M |
Geography
Where these loans were made
| State | Loans | Share |
|---|---|---|
| California | 96 | |
| Florida | 87 | |
| Minnesota | 55 | |
| Ohio | 50 | |
| Utah | 41 | |
| Maryland | 40 | |
| Massachusetts | 39 | |
| Texas | 39 |
Approvals by fiscal year
’10
’11
’12
’13
’14
’15
’16
’17
’18
’19
’20
’21
’22
’23
’24
’25
’26
Loan count. Final bar is a partial fiscal year.
Loan sizes
- Under $50K18%
- $50K - $150K20%
- $150K - $350K26%
- $350K - $1M23%
- $1M - $2M7%
- Over $2M6%
Nearby
Other health care industries
Offices of Dentists18,185 · $405,000Offices of Physicians15,804 · $270,000Child Care Services15,205 · $387,000Offices of Chiropractors9,664 · $125,950Home Health Care Services7,245 · $166,000Offices of All Other Miscellaneous Health Practitioners5,784 · $150,000Offices of Physical, Occupational and Speech Therapists, and Audiologists5,730 · $145,000Offices of Mental Health Practitioners4,139 · $135,000
Common questions
- How much do SBA lenders typically lend to a outpatient mental health and substance abuse centers business?
- The median SBA approval in NAICS 621420 is $203,500, with the middle 80% of loans between $25,000 and $1,500,000. Across all industries the median is $180,000.
- Which lenders are most active in outpatient mental health and substance abuse centers?
- By dollars approved: Newtek Small Business Finance, Inc., Wells Fargo Bank, Florida Business Development Corporation, U.S. Bank, Celtic Bank Corporation. 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 outpatient mental health and substance abuse centers considered a risky industry by SBA lenders?
- Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 8.9% were charged off, versus 7.6% across all SBA lending. That is close to average.
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