SBA 7(a) Behavioral Health Feasibility Study in Maryland

What Maryland records for SBA 7(a) behavioral health lending

SBA's files show 44 approvals under 7(a) for behavioral health projects in Maryland from FY2017 to FY2026, worth $18.7 million. Standing: 7 in the Maryland SBA 7(a) behavioral health loan count, and 15 of 39 among Maryland's own classes. Midpoint size: $95,000. Relative to behavioral health (SBA 7(a)) lending in the rest of the nation, Maryland runs at 0.38x on that median, a lighter loan profile. From $47,500 up to $250,000 sits the middle half of the loans across Maryland. Franchised borrowers account for 6.8% of the 44 loans. Maryland behavioral health lending blends into its parents across 44 loans: so Maryland readers must read Maryland's lender, county and timing detail.

Lenders, counties and timing in Maryland

Among Maryland institutions, the leader by loans held is Manufacturers and Traders Trust Company (22 loans, $4.0 million). SBA names each Maryland behavioral health loan's current holder, so the lender row lists today's holder. By county, Baltimore with 16, Baltimore City with 11, Howard with 7 and Anne Arundel with 2 lead the behavioral health loans in Maryland. Year by year in Maryland, approvals peaked at 14 loans, worth $4.0 million, in FY2025, with FY2026 at 5 loans and $4.4 million; the series began in FY2017 at 3.

Maryland behavioral health: what to make of the outcome floors

Cancellation after approval is left blank for Maryland behavioral health, since Loan Analytics prints no rate for a cohort of under 30 loans; a behavioral health blank for Maryland means withheld, never a zero. Among the 44 behavioral health loans funded in Maryland between FY2017 and FY2021 there are under 30, so Loan Analytics withholds a behavioral health charge-off rate; Maryland carries no figure there, and the behavioral health gap is not a zero. Each Maryland behavioral health rate above is a minimum, since undisbursed behavioral health loans among the 44 can yet change. One coding limit shapes Maryland behavioral health numbers: SBA's industry codes give behavioral health and substance use treatment separate line; Maryland clinics of either kind sit counted together.

The work behind a Maryland behavioral health loan request

Under 7(a), a Maryland behavioral health request, one of 44, rests on repayment capacity and collateral the Maryland study must support. Demand for behavioral health services in Maryland is best read through who pays, referral sources and licensing requirements, rather than through population alone. Fit-out spending in Maryland should get program input. Present the Maryland behavioral health case at $95,000 first, then at $250,000, and a slower year beside each, as the study should show how debt service ceases to be covered. An appraiser will need a clear split between real estate and operations. A borrower who approaches Manufacturers and Traders Trust Company must read its 22 loans here as perspective only: SBA's numbers describe loans, not any terms.

Treat the Maryland behavioral health history above, 44 loans, as background: a behavioral health study from Loan Analytics for Maryland, signed by Daniel Smith, MAI, for behavioral health, does the project-level Maryland testing, and nothing here guarantees Maryland approval of a behavioral health loan.