How Much Can Freestanding Ambulatory Surgical and Emergency Centers Businesses Get in SBA Loans?
824 SBA loans totaling $677.6M have been approved for freestanding ambulatory surgical and emergency centers businesses (NAICS 621493). The average approved SBA loan is $822K, which is 142% above avg the $340K national average. 249 active lenders fund this industry with a 9.8% default rate on the matured 2018-2021 loan cohort.
At 9.8%, Freestanding Ambulatory Surgical and Emergency Centers sits well below the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — low default risk relative to other SBA industries. Lenders price this risk into rate and structure, which is why matching the file to the right lender matters.
NAICS 621493 (Freestanding Ambulatory Surgical and Emergency Centers) received 824 SBA loans worth $677.6M across 5+ states. Average loan $822K, average term 139 months, 9.8% default rate (resolved-loan basis).249 active SBA-approved lenders fund this industry. Most freestanding ambulatory surgical and emergency centers loans use the SBA 504 program. There are approximately 10,193 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Freestanding Ambulatory Surgical and Emergency Centers?-30% decline
Which SBA Program Do Freestanding Ambulatory Surgical and Emergency Centers Businesses Use Most?
What Is the Best SBA Loan for Freestanding Ambulatory Surgical and Emergency Centers?
12% of freestanding ambulatory surgical and emergency centers loans use this program — ideal for real estate and major equipment purchases
Where Are Freestanding Ambulatory Surgical and Emergency Centers SBA Loans Most Common?
Top SBA Lenders for Freestanding Ambulatory Surgical and Emergency Centers
These banks have funded the most SBA loans for freestanding ambulatory surgical and emergency centers businesses (NAICS 621493). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Wells Fargo Bank National Association(SD) | 56 | $37.8M |
| 2 | JPMorgan Chase Bank, National Association(OH) | 31 | $15.2M |
| 3 | PNC Bank, National Association(DE) | 31 | $40.2M |
| 4 | U.S. Bank, National Association(OH) | 26 | $20.1M |
| 5 | Stearns Bank National Association(MN) | 24 | $24.0M |
Freestanding Ambulatory Surgical and Emergency Centers Industry Context
Ready to Fund Your Freestanding Ambulatory Surgical and Emergency Centers Business?
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How Does SBA Lending Work for Freestanding Ambulatory Surgical and Emergency Centers Businesses?
Across all SBA loan programs, 824 loans have been approved for businesses classified under NAICS 621493 (Freestanding Ambulatory Surgical and Emergency Centers), representing $677.6M in total capital deployed. The average approved loan of $822K is 142% above avg the national SBA average of $340K, with typical repayment terms of 139 months.
SBA lending for freestanding ambulatory surgical and emergency centers has contracted approximately 30% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 249 lenders remain active, maintaining competitive options for qualified borrowers.
The industry sees a balanced mix of SBA programs, with 12% of loans using the 504 program for fixed asset acquisition and the majority using 7(a) for its flexibility across working capital, equipment, and business acquisition uses. SBA 7(a) loans offer up to $5M with terms up to 25 years for real estate.
PeerSense specializes in matching freestanding ambulatory surgical and emergency centers business owners with the capital sources most likely to approve their specific deal structure. As an advisory firm (not a lender), we structure your deal across our network of 500+ SBA-approved lenders to find the best terms — our referral fee is established upfront and paid at closing. No retainers.
Frequently Asked Questions — Freestanding Ambulatory Surgical and Emergency Centers SBA Loans
What is the average SBA loan size for freestanding ambulatory surgical and emergency centers businesses?
Which SBA loan program is best for a freestanding ambulatory surgical and emergency centers business?
How many lenders fund SBA loans for freestanding ambulatory surgical and emergency centers?
What states have the most SBA lending for freestanding ambulatory surgical and emergency centers?
How does PeerSense help freestanding ambulatory surgical and emergency centers businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Freestanding Ambulatory Surgical and Emergency Centers defined by NAICS code 621493. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.