Outpatient Mental Health and Substance Abuse Centers: SBA business acquisition loan data
22 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Outpatient Mental Health and Substance Abuse Centers (NAICS 621420), totaling $33M. Median loan $960,000, 49% higher than the all-acquisition median.
Seller note standby terms and third-party consents are reviewed before closing.
Submit Transaction DetailsSBA-financed deals. All 50 states.
Reading this industry's numbers
- Deal size. The loan excludes the buyer's equity and any seller note and may include working capital. A loan request far above $2,221,500 would be in the top quarter of SBA acquisition loans in this industry.
- Share of all acquisitions. This industry is less than 0.05% of all SBA-financed business purchases, ranking #275 of 300 industries tracked.
- Geography. Illinois leads with 3 loans; the top five states account for 59% of the industry's acquisitions.
- Jobs. Lenders reported 403 jobs supported across these loans, about 18.3 per acquisition, a rough proxy for the size of business changing hands.
Outpatient Mental Health and Substance Abuse Centers acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 2 | $3M | $1,511,000 | |
| FY2019 | 2 | $445K | $222,500 | |
| FY2020 | 1 | $327K | $327,000 | |
| FY2021 | 4 | $6.5M | $917,500 | |
| FY2022 | 1 | $2.5M | $2,470,400 | |
| FY2023 | 1 | $234K | $234,000 | |
| FY2024 | 0 | $0 | - | |
| FY2025 | 5 | $4M | $578,500 | |
| FY2026 | 6 | $16M | $2,545,000 |
How often do these acquisition loans fail?
Fewer than 20 Outpatient Mental Health and Substance Abuse Centers acquisition loans are old enough to measure losses reliably, so no charge-off rate is shown. The benchmark across all SBA acquisition loans in the FY2018 to FY2021 cohort is 3.5% by count. Non-acquisition 7(a) loans (every other stated purpose) approved FY2018 to FY2021 charged off at 6.2%.
"Charged off" is the SBA's final loss action on a defaulted loan after collection efforts. It lags default by a year or more, which is why only older cohorts are measured. It is not the same as a delinquency rate, and loans still outstanding can still fail. See charge-off in the glossary.
Seller note standby terms and third-party consents are reviewed before closing.
Submit Transaction DetailsAlex Lubyansky leads every engagement.
Top states
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Illinois | 3 | 13.6% | $5.6M | |
| 2 | California | 3 | 13.6% | $5.1M | |
| 3 | Ohio | 3 | 13.6% | $4M | |
| 4 | Colorado | 2 | 9.1% | $3.2M | |
| 5 | Florida | 2 | 9.1% | $2.5M | |
| 6 | Texas | 2 | 9.1% | $668K | |
| 7 | Utah | 1 | 4.5% | $5M | |
| 8 | Idaho | 1 | 4.5% | $4.2M | |
| 9 | New Jersey | 1 | 4.5% | $1.5M | |
| 10 | Kansas | 1 | 4.5% | $579K |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | 3 | 13.6% | $9.1M | |
| 2 | KeyBank National Association | 3 | 13.6% | $6.5M | |
| 3 | The Huntington National Bank | 2 | 9.1% | $1.9M | |
| 4 | Evolve Bank and Trust | 1 | 4.5% | $3.1M | |
| 5 | First Commonwealth Bank | 1 | 4.5% | $2.5M | |
| 6 | Arizona Financial Credit Union | 1 | 4.5% | $2.3M | |
| 7 | Zions Bancorporation, National Association | 1 | 4.5% | $2M | |
| 8 | Celtic Bank Corporation | 1 | 4.5% | $1.5M | |
| 9 | HomeTrust Bank | 1 | 4.5% | $1.2M | |
| 10 | Byline Bank | 1 | 4.5% | $710K |
Seller note standby terms and third-party consents are reviewed before closing.
Submit Transaction DetailsSBA-financed deals. All 50 states.
Questions buyers ask
How much is a typical SBA loan to buy a business in Outpatient Mental Health and Substance Abuse Centers?
Median $960,000 across 22 acquisition loans (FY2018 to FY2026); the middle half ran $269,250 to $2,221,500. That is 49% higher than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Outpatient Mental Health and Substance Abuse Centers acquisitions?
Live Oak Banking Company (3), KeyBank National Association (3), The Huntington National Bank (2), Evolve Bank and Trust (1), First Commonwealth Bank (1).
Are businesses in Outpatient Mental Health and Substance Abuse Centers often franchised?
Rarely. Only 5% of acquisition loans in this industry involved a franchised business; most are independent operators.
How risky are SBA loans for buying a business in Outpatient Mental Health and Substance Abuse Centers?
Too few loans are old enough to measure for this industry. The all-acquisition benchmark is 3.5%.
What loan terms are common for Outpatient Mental Health and Substance Abuse Centers acquisitions?
Median term 10 years, average initial rate 8.19% at approval (blended across years and fixed/variable structures). Terms longer than 10 years usually indicate real estate was included in the purchase.
Seller note standby terms and third-party consents are reviewed before closing.
Submit Transaction DetailsAlex Lubyansky leads every engagement.
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