Behavioral Health Feasibility Study in Pennsylvania

A mid-ranked state with modest loans

Pennsylvania behavioral health lending is moderate in count and small in ticket. From FY2017 to FY2026 the record holds 37 loans worth $17.7 million. The median of $242,000 is 0.81x the national median, and loans in the middle range fall between $77,500 and $377,000. The class ranks 9 of 52 across the states and 22 of 39 within Pennsylvania, and its location quotient of 0.95x is close to parity. No metric is shown as distinct from the state and national benchmarks, so the cell mostly shows a typical counselling-scale practice.

Lenders, programs and counties

SBA 7(a) made 33 loans and SBA 504 made 4, and no franchise appears, at 0.00%. Beacon Bank and Trust has 5 loans worth $3.7 million, the only lender at the reporting level and a large average for the state median, so it may handle the facility deals. Montgomery County has 8 loans, Philadelphia 6 and Allegheny 4, with Beaver, Butler, Chester and Delaware at 2 each.

A slow start

The record has no approvals in FY2017, then 6 loans worth $4.8 million in FY2018, the largest year. Later years show 3 to 6 loans, and FY2022 shows just $115,000 from 3 loans. FY2025 recorded 5 loans worth $1.3 million, and FY2026 shows 3 worth $577,000.

Blanks to respect

Pennsylvania has no printed cancellation floor or charge-off rate, because the groups behind them are below 30 loans. Neither blank should be read as a zero or a clean record. Behavioral health practices can take years to show stress, and addiction treatment especially.

What the study should test

The study should begin with licensing and referral channels. Count the clinicians the site can employ, the insurance panels they can join, and the commercial and public payers who pay for outpatient care. Look at nearby providers, wait times and no-show rates, then project visits per clinician per week. A ticket near $242,000 suggests a leased office with build-out and working capital. Run repayment with a slow credentialing period, since new clinicians often wait months before billing. Both competitor topics use the same two codes, so neither can be isolated here, and a leased suite leaves an appraiser little real estate to value.