SBA 7(a) Behavioral Health Feasibility Study in Pennsylvania

How large Pennsylvania behavioral health facility loans run

The SBA 7(a) record for behavioral health providers in Pennsylvania runs to 33 loans and $16.4 million approved, counting FY2017 to FY2026 in Pennsylvania. From $75,000 to $520,000 covers the middle half of the Pennsylvania loans, around a median of $175,000. Set beside the nationwide behavioral health providers median under SBA 7(a), Pennsylvania reads 0.70x, a lower tilt for behavioral health providers in Pennsylvania. The franchise share is 0.00%; owners of Pennsylvania behavioral health providers operate independently. Every figure above describes Pennsylvania alone.

For SBA 7(a) loans to behavioral health providers, Pennsylvania stands at rank 10 among states, while within Pennsylvania the class ranks 21 of 39. Volume crested in FY2018: 5 loans, $4.6 million; and FY2026 lists 2 loans worth $200,000. For behavioral health under 7(a), Pennsylvania takes rank 10 among states; the market is mid-sized, and the trend table shows lending starting in FY2018.

At the head of the Pennsylvania holder list is Beacon Bank and Trust: 5 loans and $3.7 million. SBA's Pennsylvania file puts Beacon Bank and Trust first among 33 loans, where each name holds or held behavioral health providers loans; none is rated. By area, Montgomery leads with 8 loans, then Philadelphia with 6 and Allegheny with 2. Lower on the list are Butler 2, Chester 2 and Beaver 1.

Pennsylvania outcomes: cancellations, charge-offs and code limits

Given just 33 loans in Pennsylvania, few Pennsylvania approvals sit in the FY2024 cohort, just as Pennsylvania charge-offs rest on too thin a base. Read both gaps as unknowns. Pennsylvania counts put behavioral health and addiction treatment under shared codes, so neither provider type can be isolated. Only loans in SBA's Pennsylvania files appear.

Testing a Pennsylvania treatment facility

Referral channels set the pace, so name the courts, hospitals and clinicians near Montgomery that could send patients. Clinical staffing decides viability, and counselors and medical oversight must be priced into the plan behind a loan near $175,000. Reimbursement and authorization rules shape cash timing, so test payments when payers pay slowly. Residential and outpatient programs need different space. Zoning and neighborhood approval can block a site, and an appraiser values a treatment facility on its use by others.