SBA 7(a) Behavioral Health Feasibility Study in Ohio

What Ohio files for SBA 7(a) behavioral health loans

For behavioral health projects in Ohio, SBA recorded 61 Ohio approvals under 7(a) across FY2017 to FY2026, $36.4 million in gross dollars. Measured by loans, Ohio takes position 4 for behavioral health in this program, and at home the class is 21 of 39. The median behavioral health loan in Ohio is $165,000; against the national midpoint for behavioral health loans under SBA 7(a), 0.66x is the ratio, so Ohio applicants take lighter amounts as their peers elsewhere. From $50,000 up to $500,000 sits the middle half of the approvals across Ohio. The franchise share of Ohio loans is 0.00%. Neither the $165,000 median nor any other metric across 61 Ohio behavioral health loans is flagged against Ohio's all-asset book or the national class, so Ohio's institutions, counties and years carry the behavioral health page.

For Ohio behavioral health: lender names, counties and the yearly pattern

The lenders holding the most Ohio behavioral health loans are The Huntington National Bank, 20 loans at $1.4 million, KeyBank National Association, 7 loans at $6.7 million and U.S. Bank, National Association, 5 loans at $5.5 million. SBA lists the holder each Ohio behavioral health loan sits with today; The Huntington National Bank holds 20. By county, Franklin with 10, Cuyahoga with 9, Delaware with 4 and Mahoning with 4 lead the behavioral health approvals in Ohio. Timing tells a clear story for behavioral health in Ohio: approvals peaked at 12 loans, worth $5.1 million, in FY2021, and the most recent year on record, FY2026, brings 8 loans worth $10.3 million; the first year of the run, FY2017, had just 4.

Ohio: floors for cancellation and loss, with one behavioral health coding caveat

From FY2017 through FY2024, 9.1% or more of Ohio behavioral health approvals were cancelled after approval; the ceiling, adding undisbursed loans, is 11.4%. Charge-offs get no printed rate for Ohio behavioral health: the disbursed FY2017 to FY2021 group is too thin to support a rate across these 61 loans, so for Ohio behavioral health Loan Analytics withholds the figure, and a blank should not be read as zero. Readers should take these Ohio rates, drawn from 61 loans, as floors, not as final outcomes. Keep this caveat when reading Ohio's 61 loans: both types of Ohio provider, mental health and recovery, use one pair of classifications, and SBA's coding offers no way to separate them.

What an Ohio behavioral health study has to prove

For an Ohio behavioral health request among 61 loans, SBA 7(a) puts the credit decision in one Ohio lender's hands, with the behavioral health loan partly guaranteed by SBA; the Ohio study is, first, a credit document for the behavioral health lender, with behavioral health numbers that must hold. Demand for behavioral health care in Ohio must be read through who pays, referral sources and licensed capacity, rather than by headcount. Fit-out cost in Ohio needs clinical input, as the layout drives both capacity and licensing approval. The coverage test must run on $165,000 and as well at $500,000, plus a slower case, so an Ohio reader can see where behavioral health coverage thins. An appraiser will need an explicit line between real estate and the business. A borrower that approaches The Huntington National Bank should treat its 20 loans here as context only, since SBA's figures describe a portfolio and set no requirements.

Loan Analytics reads the 61 Ohio approvals as SBA's Ohio records, not a forecast for any behavioral health project; a behavioral health study signed by Daniel Smith, MAI, tests Ohio conditions first, and Ohio approvals promise nothing.