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 |
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 $50K7%
- $50K - $150K14%
- $150K - $350K16%
- $350K - $1M28%
- $1M - $2M22%
- Over $2M13%
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 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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