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NAICS 621493 · Health Care
SBA loans for freestanding ambulatory surgical and emergency centers
635 SBA loans worth $603.4M have been approved in this industry since FY2010 - the #290 most-financed NAICS code in the country.
Median loan
$588,000
+227% vs all industries
Typical range
$51K-$2.4M
Middle 80%
Median rate
6.00%
7(a) initial note rate
Median term
10 yr
Charge-off rate
4.9%
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 |
|---|---|---|---|
| PNC Bank | 27 | $39.0M | |
| Citizens Bank | 24 | $30.9M | |
| Wells Fargo Bank | 45 | $29.4M | |
| Stearns Bank | 24 | $24.0M | |
| U.S. Bank | 23 | $20.0M | |
| TD Bank | 21 | $16.7M | |
| JPMorgan Chase Bank | 27 | $15.1M | |
| Beacon Bank and Trust | 11 | $12.4M | |
| Customers Bank | 12 | $12.2M | |
| Live Oak Banking Company | 3 | $11.0M |
Geography
Where these loans were made
| State | Loans | Share |
|---|---|---|
| Texas | 114 | |
| California | 72 | |
| Florida | 54 | |
| New Jersey | 40 | |
| Georgia | 29 | |
| New York | 25 | |
| North Carolina | 23 | |
| Arizona | 22 |
An SBA 7(a) lender for loans this size
37% of the SBA loans approved in freestanding ambulatory surgical and emergency 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 $50K7%
- $50K - $150K14%
- $150K - $350K16%
- $350K - $1M28%
- $1M - $2M22%
- Over $2M13%
Franchise brands in Freestanding Ambulatory Surgical and Emergency Centers
| Franchise brand | Loans | Approved | Share |
|---|---|---|---|
| American Family Care | 42 | $54.1M | |
| Doctors Express | 23 | $12.5M |
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 freestanding ambulatory surgical and emergency centers business?
- The median SBA approval in NAICS 621493 is $588,000, with the middle 80% of loans between $51,000 and $2,390,000. Across all industries the median is $180,000.
- Which lenders are most active in freestanding ambulatory surgical and emergency centers?
- By dollars approved: PNC Bank, Citizens Bank, Wells Fargo Bank, Stearns Bank, U.S. 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 freestanding ambulatory surgical and emergency centers considered a risky industry by SBA lenders?
- Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 4.9% 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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