How Much Can Outpatient Mental Health and Substance Abuse Centers Businesses Get in SBA Loans?
1,123 SBA loans totaling $503.7M have been approved for outpatient mental health and substance abuse centers businesses (NAICS 621420). The average approved SBA loan is $449K, which is 32% above avg the $340K national average. 310 active lenders fund this industry with a 10.5% default rate on the matured 2018-2021 loan cohort.
At 10.5%, Outpatient Mental Health and Substance Abuse Centers sits below the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — moderate 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 621420 (Outpatient Mental Health and Substance Abuse Centers) received 1,123 SBA loans worth $503.7M across 5+ states. Average loan $449K, average term 157 months, 10.5% default rate (resolved-loan basis).310 active SBA-approved lenders fund this industry. Most outpatient mental health and substance abuse centers loans use the SBA 7(a) program. There are approximately 15,901 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Outpatient Mental Health and Substance Abuse Centers?+48% growth
Which SBA Program Do Outpatient Mental Health and Substance Abuse Centers Businesses Use Most?
What Is the Best SBA Loan for Outpatient Mental Health and Substance Abuse Centers?
The most widely used SBA program for outpatient mental health and substance abuse centers businesses — flexible terms, multiple use cases
Where Are Outpatient Mental Health and Substance Abuse Centers SBA Loans Most Common?
Top SBA Lenders for Outpatient Mental Health and Substance Abuse Centers
These banks have funded the most SBA loans for outpatient mental health and substance abuse centers businesses (NAICS 621420). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | The Huntington National Bank(OH) | 62 | $9.6M |
| 2 | Wells Fargo Bank National Association(SD) | 60 | $21.7M |
| 3 | JPMorgan Chase Bank, National Association(OH) | 40 | $8.3M |
| 4 | TD Bank, National Association(DE) | 38 | $9.3M |
| 5 | Manufacturers and Traders Trust Company(NY) | 31 | $5.0M |
Outpatient Mental Health and Substance Abuse Centers Industry Context
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How Does SBA Lending Work for Outpatient Mental Health and Substance Abuse Centers Businesses?
Across all SBA loan programs, 1,123 loans have been approved for businesses classified under NAICS 621420 (Outpatient Mental Health and Substance Abuse Centers), representing $503.7M in total capital deployed. The average approved loan of $449K is 32% above avg the national SBA average of $340K, with typical repayment terms of 157 months.
SBA lending for outpatient mental health and substance abuse centers is accelerating — loan volume has grown approximately 48% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2025.
The industry sees a balanced mix of SBA programs, with 16% 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 outpatient mental health and substance abuse 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 — Outpatient Mental Health and Substance Abuse Centers SBA Loans
What is the average SBA loan size for outpatient mental health and substance abuse centers businesses?
Which SBA loan program is best for a outpatient mental health and substance abuse centers business?
How many lenders fund SBA loans for outpatient mental health and substance abuse centers?
What states have the most SBA lending for outpatient mental health and substance abuse centers?
How does PeerSense help outpatient mental health and substance abuse centers businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Outpatient Mental Health and Substance Abuse Centers defined by NAICS code 621420. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.