Behavioral Health Feasibility Study in the Phoenix-Mesa-Chandler, AZ Metro Area

Phoenix behavioral health: third in the country

Phoenix-Mesa-Chandler ranks 3 of 218 nationally for behavioral health and addiction treatment loans, though locally the class stands fifteenth, 15 of 39. A location quotient of 3.03x puts it far above the national share. The record shows 56 loans and $55.5 million from FY2017 to FY2026, and a median of $582,000, which is 1.94x the national median, with central loans from $225,150 to $1.5 million.

No loan in the Phoenix behavioral record carries a franchise flag: 0.00%. SBA publishes no 7(a) versus 504 counts for it, the cohort being thin. Treatment of addiction and behavioral health are filed under both codes together, so Phoenix residential programs and outpatient clinics cannot be told apart in these numbers, and each would lean on different evidence.

Holders and counties

America First Federal Credit Union shows 7 loans carrying $14.2 million, while BNC National Bank shows 5 loans and $2.3 million, so dollars per loan differ greatly. Both entries are SBA's current-holder field and judge neither institution. Maricopa County, AZ accounts for 49 loans and Pinal County, AZ for 7, so a clinic in Pinal County would find far fewer local precedents than one in Maricopa County.

Phoenix behavioral health lacks both loss-side rates in SBA's file, and a blank there is not zero. Four years print: FY2020 with 5 loans and $3.7 million, FY2021 with 8 and $10.2 million, FY2022 with 6 and $6.8 million and FY2023 with 9 and $6.6 million. The remaining years are held back. Project counties are placed in the metro through the July 2023 delineation.

What a Phoenix behavioral health study has to test

Referral relationships, payer mix and state licensing for the specific service line come first, since reimbursement shapes revenue more than street traffic does, and a Phoenix operator must also show where clients and patients will come from, which a street-front site rarely answers on its own. The facility budget is set against the $582,000 midpoint, and visit volume or census has to cover debt service after clinical payroll. Appraisal separates the operating practice from the real estate. The report carries the byline of Daniel Smith, MAI, for Loan Analytics, with approval never part of the promise.