Best SBA 7(a) lenders for outpatient mental health and substance abuse centers
NAICS 621420 — Outpatient Mental Health and Substance Abuse Centers.
470 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $238.9M.
Loans
470
Total $
$238.9M
Avg loan
$508K
Avg rate
9.23%
Avg term
144 mo
Industry chg-off rate
2.54%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 51 | $8.4M | $165K | 9.12% | 2.70% |
| 2 | Manufacturers and Traders Trust Company | 23 | $4.4M | $192K | 11.23% | 33.33% |
| 3 | TD Bank, National Association | 21 | $2.3M | $111K | 9.98% | 0.00% |
| 4 | Readycap Lending, LLC | 20 | $11.0M | $551K | 12.26% | 0.00% |
| 5 | Celtic Bank Corporation | 19 | $10.5M | $550K | 9.62% | 0.00% |
| 6 | Newtek Bank, National Association | 15 | $5.4M | $362K | 11.58% | 0.00% |
| 7 | Northeast Bank | 15 | $2.8M | $185K | 10.93% | — |
| 8 | Wells Fargo Bank National Association | 14 | $668K | $48K | 12.28% | 14.29% |
| 9 | JPMorgan Chase Bank, National Association | 13 | $4.2M | $323K | 9.97% | 0.00% |
| 10 | Newtek Small Business Finance, Inc. | 12 | $12.6M | $1.1M | 6.73% | 0.00% |
| 11 | BayFirst National Bank | 11 | $2.0M | $181K | 10.86% | 0.00% |
| 12 | Harvest Small Business Finance, LLC | 8 | $10.8M | $1.3M | 8.53% | 0.00% |
| 13 | KeyBank National Association | 8 | $6.8M | $845K | 9.98% | — |
| 14 | First Bank of the Lake | 8 | $7.1M | $883K | 10.19% | 0.00% |
| 15 | Webster Bank National Association | 8 | $1.3M | $165K | 7.91% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 621420. Charge-off rates are calculated on the FY2020–FY2023 cohort only.