Best SBA 7(a) lenders for outpatient mental health and substance abuse centers
The top SBA 7(a) lenders for outpatient mental health and substance abuse centers (NAICS 621420) are The Huntington National Bank, Manufacturers and Traders Trust Company, TD Bank, National Association, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 470 loans totaling $238.9M to businesses in this industry. Average loan size: $508K. Average rate: 9.23%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 2.54%.
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.