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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 |
An SBA 7(a) lender for loans this size
64% of the SBA loans approved in outpatient mental health and substance abuse centers 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 $50K18%
- $50K - $150K20%
- $150K - $350K26%
- $350K - $1M23%
- $1M - $2M7%
- Over $2M6%
Franchise brands in Outpatient Mental Health and Substance Abuse Centers
| Franchise brand | Loans | Approved | Share |
|---|---|---|---|
| Ellie Mental Health | 26 | $4.1M | |
| Success On The Spectrum | 5 | $1.5M | |
| We Rock The Spectrum Kid's Gym For All K | 2 | $113K | |
| Brain Balance | 1 | $305K |
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 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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