SBA Loans for Therapists & Mental Health Practices
4,608 SBA loans have funded therapists & mental health practices nationwide, averaging $233K across 612 active SBA lenders, at an average note rate of 8.7%. SBA 7(a) loans up to $5M fund acquiring a counseling or behavioral health group and office build-out and additional treatment rooms; SBA 504 loans cover owner-occupied real estate and equipment with as little as 10% down. PeerSense reads this lending history and matches you to the lender most likely to fund a behavioral health practice.
Published: ·Last updated: ·By Ed Freeman, Capital Advisor. PeerSense
Source: SBA 7(a) and 504 loan records (NAICS 621330), 2000 to present.
4,608
SBA Loans Funded
$233K
Average Loan
8.7%
Avg Note Rate
14 yrs
Avg Term
612
Active Lenders
7.6%
Charge-Off Rate (resolved-loan basis)
What therapists & mental health practices use SBA loans for
Where therapists & mental health practices get SBA financing
| State | SBA Loans | Capital Deployed |
|---|---|---|
| California | 451 | $132.9M |
| Florida | 335 | $100.3M |
| Texas | 293 | $77.8M |
| New York | 225 | $39.3M |
| Massachusetts | 203 | $34.3M |
SBA lenders active with therapists & mental health practices
Ranked by real SBA funding activity in California, the top state for therapists & mental health practices. PeerSense routes your deal to the lender most likely to approve and price it. You work with us, not a call list.
Get matched to an SBA lender for a behavioral health practice.
Tell us your loan amount and use of funds. We route you to the lender most likely to fund a behavioral health practice, anywhere in the US.
SBA 7(a) / 504, Therapists & Mental Health Practices: Response within 24–48 hours. No obligation.
How therapists & mental health practices qualify for an SBA loan
SBA 7(a) loans are the most common path for therapists & mental health practices financing acquiring a counseling or behavioral health group. They run up to $5M, fund up to 90% of a project, and amortize over 10 years for a business purchase or up to 25 years when real estate is included. SBA 504 loans pair a bank loan with a CDC debenture for owner-occupied real estate and heavy equipment, typically at 10% down.
With 4,608 loans on record across 612 lenders and a 7.6% historical charge-off rate, therapists & mental health practices are a well-understood credit to SBA lenders, but not every lender is active in this profession or comfortable with its deal structure. PeerSense reads the lending history and routes your deal to the lender most likely to approve and price it, then stays with you through closing.