SBA Loan Statistics for Healthcare Businesses
SBA 7(a) loan statistics for healthcare practices — median approvals, rates, acquisition share, and public vs SMB multiples.
Data as of 2025-09-30 · Based on 1,505 SBA 7(a) loans across 4 NAICS codes
Industry Debt Benchmark
Median SBA 7(a) gross approval for Healthcare (FY 2025)
Avg Interest Rate (FY 2025)
9.25%
Loans (Selected FY)
764
+3% vs FY 2024
Loans (Selected FY)
764
+3% vs FY 2024
Loan Purpose Mix
How SBA 7(a) loans in your industry break down by business purpose · FY 2025
3% of SBA loans in your sector fund ownership changes — a signal of consolidation and reinvestment activity.
Typical Loan Size
Interest Rate Trend
All-years avg: 10.23% (FY 2024–2025)
Two Markets for Healthcare
Public markets reward scale and liquidity. SMB lending reflects the capital available to businesses your size.
Wall Street
EV / EBITDA
—
EBITDA Margin
—
Main Street
SMB Multiple
—
Median SBA Loan
$867,667
764 SBA loans (latest FY)
The spread between these markets is the illiquidity and size discount built into SMB economics.
Important context
SBA loan approvals reflect financing amounts, not business enterprise value. Not all exits or acquisitions use SBA debt — buyers typically combine equity, seller notes, and conventional bank financing.
Data is aggregated and anonymized from SBA FOIA disclosures and Damodaran industry datasets. Public company multiples reflect listed firms and are not direct comparables for most SMB transactions.
See our valuation methodology for how XIT blends FCFF, FCFE, and EV/EBITDA — and why SBA loan sizes are financing context, not a formal appraisal.
What owners should know
Healthcare practice transitions — dental, veterinary, outpatient — often hinge on what buyers can finance, not textbook multiples. SBA 7(a) approvals provide a transparent view of median loan sizes, rate environment, and acquisition activity in mapped healthcare NAICS codes. Pair FOIA data with public healthcare comps to see the Wall Street vs Main Street gap before you negotiate.