Behavioral Health Feasibility Study in Ohio

A top-ranked state for a hard-to-split class

Ohio places 4 of 52 among states for behavioral health and addiction treatment loans, a high rank, while the class sits 21 of 39 inside the state. Between FY2017 and FY2026 SBA approved 66 loans and $41.1 million, with a location quotient of 1.07x, close to the national share. What marks the cell is its size profile: the median loan is $225,000, only 0.75x the nationwide median for the class, and the central band of loans stretches from $59,175 to $672,750. Ohio treatment providers borrow small amounts by national standards, which fits outpatient counseling offices more than residential campuses. A lender should read the class as many small practices.

A shared code, and what it hides

The two competitor topics cannot be separated: behavioral health and addiction treatment share both codes, so a mental health therapist and a substance use clinic appear in the same count. That matters because the risk differs. Addiction programs depend on state licensing, insurance authorization and sometimes court referrals, while counseling practices depend on referrals and cash-pay clients. Any figure here describes the blend. The program split is 61 loans under SBA 7(a) and 5 under SBA 504, and no loan is franchised, at 0.00%.

Lenders, counties and the year pattern

The Huntington National Bank is party to 20 loans yet only $1.4 million in total, a very small average that suggests micro-sized notes. KeyBank National Association holds 7 loans worth $6.7 million, U.S. Bank, National Association holds 5 worth $5.5 million, and Newtek Bank, National Association holds 5 worth $4.7 million. Franklin County has 12 loans and Cuyahoga 10, then Delaware, Mahoning and Summit with 4 each. Volume spiked to 12 loans in FY2021 and again in FY2024, with $9.4 million that year, and FY2026 reached $11.8 million across 9 loans.

Outcomes and the study questions

Cancellation reaches a floor of 10.4% of approvals through FY2024, with 12.5% as the bound that treats undisbursed loans as dropped. Charge-off is left unpublished here: the disbursed FY2017 to FY2021 group has under 30 loans, and we do not describe it as zero. A study for an Ohio treatment provider should test licensing timelines, payer authorization rules, referral flows and clinician hiring, then run debt service coverage on a conservative census or caseload. The appraisal has to consider whether a leased or purchased site can serve another healthcare use. Loan Analytics presents these loans so lenders can see how others were sized.