SBA 7(a) Behavioral Health Feasibility Study in Massachusetts
What SBA's own loan files show about SBA 7(a) lending to behavioral health and addiction treatment projects in Massachusetts, and what a feasibility study for an SBA 7(a) loan there has to test.
Size and standing of the Massachusetts behavioral health and addiction treatment record
The Massachusetts behavioral health and addiction treatment cell holds 26 loans under SBA 7(a), $5.7 million in all, from FY2017 through FY2026. Massachusetts is 13 among states by behavioral health and addiction treatment loan count, while Massachusetts holds behavioral health and addiction treatment at 21 of 39 among its classes. Massachusetts borrowers took a median of $107,500, which is 0.43x of the figure that behavioral health and addiction treatment borrowers elsewhere receive, in Massachusetts, below the SBA 7(a) norm for behavioral health and addiction treatment. The central half of Massachusetts loans starts at $50,000 and, for behavioral health and addiction treatment, tops out near $350,000; 7.7% of Massachusetts behavioral health and addiction treatment loans carry a franchise flag.
Massachusetts holders and counties
By behavioral health and addiction treatment loans approved in Massachusetts, Eastern Bank (9; $1.9 million) come first. SBA lists each Massachusetts behavioral health and addiction treatment holder as current. Geographically, Norfolk (8), Worcester (7), Essex (3), Plymouth (3) and Middlesex (2) lead Massachusetts behavioral health and addiction treatment lending.
How the behavioral health and addiction treatment pipeline moved
Massachusetts behavioral health and addiction treatment approvals per year: FY2017 3 ($175,000), FY2018 3, FY2019 1, FY2020 0, FY2021 1 ($750,000); then for behavioral health and addiction treatment in Massachusetts FY2022 3, FY2023 3, FY2024 4, FY2025 3, FY2026 5. The top Massachusetts dollar year, $965,000, was FY2026. In FY2020, Massachusetts saw no behavioral health and addiction treatment approvals.
How Massachusetts loans ended up
In Massachusetts, no cancellation rate is published for behavioral health and addiction treatment; the Massachusetts cohort is too thin, and silence on behavioral health and addiction treatment is not zero. Charge-offs of Massachusetts behavioral health and addiction treatment loans are withheld: Massachusetts funded too few behavioral health and addiction treatment loans in Massachusetts, so no rate is printed in Massachusetts for FY2017 to FY2021, and the behavioral health and addiction treatment gap is not a zero.
Massachusetts behavioral health programs: the proof needed
A Massachusetts program has to show its licensing route, referral network, clinical staffing, and mix of insurance and private payers. The study should tie census to staff cost, set build-out against loans around $107,500, and test coverage at a slow census ramp and at a payer shift. Zoning and community acceptance can decide usability, and the appraiser will ask about alternate uses.
Massachusetts treatment in a blended code
Mental health and addiction work share both industry codes, so Massachusetts totals cannot isolate either specialty.
SBA 7(a) behavioral health and addiction treatment loans in Massachusetts
| Loans approved, FY2017 to FY2026 | 26 |
|---|---|
| Gross dollars approved | $5.7 million |
| Median loan | $107,500 |
| Middle half of loans, from | $50,000 |
| Middle half of loans, to | $350,000 |
| Franchise share of loans | 7.7% |
| Rank among states for SBA 7(a) behavioral health and addiction treatment loans, by number of loans | 13 |
| Rank of behavioral health and addiction treatment among classes in Massachusetts | 21 of 39 |
| Median loan against the national SBA 7(a) median for the class | 0.43x |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | not reported: fewer than 30 loans in the cohort |
|---|---|
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | not reported: fewer than 30 loans in the cohort |
Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.
SBA 7(a) behavioral health and addiction treatment loans approved in Massachusetts, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | 3 | $175,000 |
| FY2018 | 3 | $610,000 |
| FY2019 | 1 | $50,000 |
| FY2020 | 0 | $0 |
| FY2021 | 1 | $750,000 |
| FY2022 | 3 | $801,500 |
| FY2023 | 3 | $250,000 |
| FY2024 | 4 | $894,000 |
| FY2025 | 3 | $1.2 million |
| FY2026 | 5 | $965,000 |
Most active SBA lenders
| Lender | Loans | Dollars |
|---|---|---|
| Eastern Bank | 9 | $1.9 million |
Where the loans are, by county
| County | Loans |
|---|---|
| NORFOLK | 8 |
| WORCESTER | 7 |
| ESSEX | 3 |
| PLYMOUTH | 3 |
| MIDDLESEX | 2 |
| BRISTOL | 1 |
| HAMPDEN | 1 |
| HAMPSHIRE | 1 |
Mental health and addiction treatment centers share their industry codes and cannot be separated. Shared code: Behavioral health and addiction treatment share both codes.
Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; Loan Analytics loan-outcome cell SAP-MA-C23-7A.
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