Urgent Care Feasibility Study in the New York-Newark-Jersey City, NY-NJ Metro Area

What SBA's own loan files show about urgent care and ambulatory surgery lending in the New York-Newark-Jersey City, NY-NJ Metro Area, and what a feasibility study for a project there has to test.

The urgent care record in New York

From FY2017 to FY2026, New York had 31 SBA-approved urgent care loans worth $32.0 million. On urgent care, New York stands 1 of 104 among ranked areas. Within New York, urgent care is 24 of 39. New York's quotient is 1.55x: urgent care above the national share. New York counties lie in NJ and NY.

New York: loan size and franchise

New York shows half its loans at or under $550,000, with the middle half spanning $225,000 up to $1.6 million. New York stands at 0.71x against the national class median. New York loans run below the national middle. New York shows no 7(a) count. New York shows no 504 count either. New York: too few loans back either count. New York franchise share of loans is 32.3%. New York loans run smaller, so New York overruns weigh more.

New York: lenders and counties

New York SBA 7(a) holder: 5 loans, $4.6 million, TD Bank, National Association. Listed New York names are current holders, per SBA. New York rows speak to files, not requirements. New York borrowers see holders, not lenders. New York has one county, Morris County, NJ, with all 8 loans.

New York years and urgent care coding limits

Few New York years print. New York shows 6 loans, $7.7 million, in FY2021. New York shows 11 loans, $11.8 million, in FY2023. Other New York years stay blank on thin counts. New York blanks are silence, never zero, and New York treats FY2026 as complete. Floors in New York follow Loan Analytics' own rule. The New York cohort holds fewer than 30 loans. New York disbursements cover FY2017 to FY2021. No New York cancellation floor prints. No New York charge-off floor prints either. New York's blank floor is no zero. New York borrowers learn little from it. Any New York rate that prints is a floor. New York follows July 2023 boundaries. New York places loans by project county. New York drops loans lacking a placeable county. New York note: Ambulatory surgery sits with urgent care in one code, and so do freestanding emergency centers, so New York counts blend them.

New York: urgent care feasibility questions

New York urgent care requests start from the $550,000 median, a first yardstick in New York. An urgent care study in New York starts with patient volume: visits per day at the hours the clinic keeps, and how fast volume builds. In New York, payer mix and reimbursement set revenue per visit, so the study models collections by plan before testing coverage. A New York lender will ask about provider staffing, since extended hours need physicians or practitioners the owner can actually hire. Daniel Smith, MAI, signs each New York study. New York demand and cost come first. In New York, coverage follows, then the appraisal. No New York approval is promised by any study.

SBA urgent care and ambulatory surgery loans in the New York-Newark-Jersey City, NY-NJ Metro Area

Loans approved, FY2017 to FY202631
Gross dollars approved$32.0 million
Median loan$550,000
Middle half of loans, from$225,000
Middle half of loans, to$1.6 million
SBA 7(a) loanswithheld
SBA 504 loanswithheld
Franchise share of loans32.3%
Rank among metro and micro areas for urgent care and ambulatory surgery loans1 of 104
Rank of urgent care and ambulatory surgery among the classes in this area24 of 39
Location quotient (share of loans against the national share)1.55x
Median loan against the national median for the class0.71x

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)withheld
Charged off to date, FY2017 to FY2021 disbursed loans (a floor)withheld

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 urgent care and ambulatory surgery loans approved in the New York-Newark-Jersey City, NY-NJ Metro Area, by fiscal year

02.557.51012.5FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025FY2026Loans, FY2021: 6Loans, FY2023: 11
Fiscal yearLoansDollars
FY2017withheldwithheld
FY2018withheldwithheld
FY2019withheldwithheld
FY2020withheldwithheld
FY20216$7.7 million
FY2022withheldwithheld
FY202311$11.8 million
FY2024withheldwithheld
FY2025withheldwithheld
FY2026withheldwithheld

Most active SBA lenders

SBA 7(a): lenders by loans approved (the current holder of each loan, as SBA reports it)
LenderLoansDollars
TD Bank, National Association5$4.6 million

Lenders with 5 or more loans here; a lender with fewer is not listed, and loans SBA or a receiver holds are counted but never listed as a lender.

Where the loans are, by county

CountyLoans
Morris County, NJ8

Counties with 5 or more loans; smaller ones are not listed.

Metro is the CBSA (metropolitan or micropolitan statistical area) of the loan's project county, July 2023 delineation (OMB Bulletin 23-01). The county is matched by name (manifests/ld2/county-cbsa-map.csv); a loan whose county cannot be placed in a 2023 CBSA is left out of every metro.

Mental health and addiction treatment centers share their industry codes and cannot be separated.

Shared code: Urgent care, ambulatory surgery and freestanding emergency centers share 621493.

A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.

Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; areas from the U.S. Census Bureau CBSA delineation, July 2023 (OMB Bulletin 23-01); Loan Analytics metro cell MA-35620-C16.

Loan Analytics prepares the feasibility study a lender reads before it commits: for a urgent care and ambulatory surgery project in the New York-Newark-Jersey City, NY-NJ Metro Area, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.

Request Scope & Timeline

Start with the data.

Contact Us