Best Physical Therapy Clinics SBA Lenders of 2026

Compare the top 117 SBA lenders for Physical Therapy Clinics businesses. $122.0M funded in 2025. Average rate 10.24%. Get matched free.

Table of Contents

Best Offices of Physical, Occupational SBA Lenders of 2026

$122.0M
Total Funded

425
Loans Approved

$287K
Avg Loan Size

10.24%
Avg Interest Rate

117
Active Lenders

SBA Loans for Offices of Physical, Occupational Businesses

The Physical Therapy Clinics industry received $122.0M in SBA 7(a) loans across 425 businesses in 2025. With 117 lenders actively funding this industry, finding the right bank can make a significant difference in your rates and approval odds.

Working with an experienced SBA loan broker who understands the Offices of Physical, Occupational industry can help you access lenders that specialize in your business type.

💡 Key Insight: The average SBA loan for Offices of Physical, Occupational businesses is $287K with an average rate of 10.24%. Lenders who specialize in this industry often offer better terms and faster approvals.

SBA Loans by Business Type

Here’s how SBA 7(a) loans break down for Offices of Physical, Occupational businesses by business stage:

🚀 Startups
28%
$26.1M • 121 loans

🏢 Existing Businesses
64%
$72.2M • 274 loans

🔄 Business Acquisitions
7%
$23.7M • 30 loans

Top 50 SBA Lenders for Offices of Physical, Occupational (2025)

These are the banks that funded the most SBA 7(a) loan volume to Offices of Physical, Occupational businesses, ranked by total volume:

Rank Lender Volume Loans Avg Rate
1 The Huntington National Bank $16.1M 38 9.41%
2 Newtek Bank, National Association $13.3M 41 10.79%
3 Live Oak Banking Company $6.1M 20 9.94%
4 JPMorgan Chase Bank, National Association $4.3M 19 10.52%
5 The Bank of Tampa $3.5M 1 7.50%
6 First Internet Bank of Indiana $3.5M 3 10.08%
7 First Pryority Bank $3.4M 1 8.00%
8 Northeast Bank $3.3M 21 11.07%
9 Wells Fargo Bank National Association $3.2M 7 10.17%
10 U.S. Bank, National Association $2.7M 8 9.50%
11 Harvest Small Business Finance, LLC $2.5M 2 9.75%
12 Bank of America, National Association $2.4M 8 8.23%
13 Manufacturers and Traders Trust Company $2.4M 28 11.42%
14 Renasant Bank $2.3M 3 9.83%
15 NewBank $2.3M 2 9.25%
16 Stearns Bank National Association $1.9M 7 10.36%
17 Dogwood State Bank $1.9M 3 10.00%
18 BayFirst National Bank $1.6M 10 11.82%
19 Gulf Coast Bank and Trust Company $1.5M 1 9.75%
20 United FCU $1.4M 1 9.00%
21 Seacoast National Bank $1.3M 1 9.00%
22 Heritage Bank Inc $1.3M 1 9.00%
23 Celtic Bank Corporation $1.2M 12 10.75%
24 TD Bank, National Association $1.2M 19 10.69%
25 CRF Small Business Loan Company, LLC $1.1M 3 10.25%
26 Lendistry SBLC, LLC $1.1M 6 11.83%
27 Climate First Bank $1.1M 1 10.50%
28 Old National Bank $1.1M 3 9.10%
29 Readycap Lending, LLC $1.0M 12 13.29%
30 Ent CU $1.0M 1 9.50%
31 First Resource Bank $965K 1 7.90%
32 FFB Bank $913K 4 10.25%
33 Banco Popular de Puerto Rico $898K 11 11.00%
34 Community Bank & Trust-West Georgia $882K 4 10.50%
35 Byline Bank $870K 1 10.25%
36 Plumas Bank $864K 1 8.00%
37 Hancock Whitney Bank $798K 2 9.75%
38 Banner Bank $775K 2 9.75%
39 United Pacific Bank $750K 1 8.00%
40 CenTrust Bank, A Division of SmartBiz Bank National Associat $700K 4 11.38%
41 Shoreham Bank $700K 1 9.50%
42 GBank $679K 1 9.75%
43 CIBC Bank USA $653K 2 9.75%
44 First-Citizens Bank & Trust Company $650K 2 10.25%
45 Citizens Bank $647K 2 10.25%
46 Oriental Bank $614K 3 8.17%
47 First Bank of the Lake $609K 2 9.75%
48 FirstBank Puerto Rico $575K 2 9.38%
49 McCoy FCU $550K 1 9.00%
50 Frandsen Bank and Trust $524K 2 8.50%

🚀 Best Lenders for Offices of Physical, Occupational Startups

Starting a new offices of physical, occupational business? These lenders funded the most startup loans in this industry:

Rank Lender Startup Volume Loans Avg Rate
1 The Huntington National Bank $4.4M 26 9.51%
2 United FCU $1.4M 1 9.00%
3 Heritage Bank Inc $1.3M 1 9.00%
4 CRF Small Business Loan Company, LLC $1.1M 3 10.25%
5 Renasant Bank $1.1M 2 9.75%
6 Climate First Bank $1.1M 1 10.50%
7 Bank of America, National Association $1.0M 2 7.20%
8 Dogwood State Bank $949K 1 9.50%
9 Hancock Whitney Bank $798K 2 9.75%
10 Manufacturers and Traders Trust Company $726K 8 11.81%

🔄 Best Lenders for Offices of Physical, Occupational Acquisitions

Looking to buy an existing offices of physical, occupational business? These lenders specialize in acquisition financing:

Rank Lender Acquisition Volume Loans Avg Rate
1 The Huntington National Bank $6.8M 3 8.42%
2 Live Oak Banking Company $3.7M 5 9.70%
3 First Internet Bank of Indiana $2.7M 2 10.00%
4 Gulf Coast Bank and Trust Company $1.5M 1 9.75%
5 First Resource Bank $965K 1 7.90%
6 Stearns Bank National Association $927K 1 9.50%
7 Old National Bank $926K 2 8.89%
8 FFB Bank $913K 4 10.25%
9 Byline Bank $870K 1 10.25%
10 Plumas Bank $864K 1 8.00%

🏢 Best Lenders for Existing Offices of Physical, Occupational Businesses

Already running an established offices of physical, occupational business? These lenders have funded the most loans to existing businesses in your industry:

Rank Lender Volume Loans Avg Rate
1 Newtek Bank, National Association $12.6M 34 10.76%
2 The Huntington National Bank $4.8M 9 9.47%
3 JPMorgan Chase Bank, National Association $4.0M 18 10.83%
4 The Bank of Tampa $3.5M 1 7.50%
5 First Pryority Bank $3.4M 1 8.00%
6 Northeast Bank $3.2M 18 10.83%
7 Wells Fargo Bank National Association $3.2M 3 7.06%
8 Harvest Small Business Finance, LLC $2.5M 2 9.75%
9 U.S. Bank, National Association $2.5M 5 9.51%
10 Live Oak Banking Company $2.4M 15 10.02%

Top States for Offices of Physical, Occupational SBA Loans

Here are the states with the highest SBA lending volume for Offices of Physical, Occupational businesses:

Rank State Volume Loans
1 Texas $15.5M 40
2 Florida $14.5M 38
3 California $11.9M 44
4 Georgia $7.8M 20
5 New York $7.0M 37
6 New Jersey $5.6M 21
7 Louisiana $4.0M 6
8 Oklahoma $3.8M 4
9 Illinois $3.4M 7
10 North Carolina $3.4M 8
11 Minnesota $3.3M 11
12 Utah $3.3M 6
13 Pennsylvania $3.0M 13
14 Colorado $2.8M 5
15 Michigan $2.6M 9
16 Idaho $2.3M 8
17 Massachusetts $2.3M 14
18 Washington $2.3M 8
19 Virginia $2.1M 9
20 Puerto Rico $2.1M 16
21 Nevada $2.1M 6
22 South Carolina $1.8M 8
23 Tennessee $1.6M 6
24 Kentucky $1.4M 2
25 Arizona $1.3M 7
26 Maryland $1.3M 10
27 Alabama $1.2M 1
28 Rhode Island $1.0M 4
29 Arkansas $972K 8
30 Wisconsin $958K 6
31 Indiana $847K 6
32 Ohio $816K 7
33 District of Columbia $700K 2
34 Connecticut $652K 6
35 Nebraska $479K 3
36 Missouri $410K 3
37 Alaska $306K 1
38 Iowa $275K 2
39 New Mexico $209K 4
40 Kansas $181K 1
41 Oregon $150K 2
42 Delaware $100K 1
43 Vermont $100K 1
44 West Virginia $76K 1
45 Mississippi $55K 1
46 New Hampshire $50K 1
47 Maine $50K 1

Top Cities for Offices of Physical, Occupational SBA Loans

Lufkin, Tx

$4.7M
Volume

2
Loans

Englewood, Fl

$3.5M
Volume

1
Loans

Tulsa, Ok

$3.4M
Volume

1
Loans

Orland Park, Il

$2.8M
Volume

2
Loans

Lawrenceville, Ga

$2.6M
Volume

3
Loans

Greeley, Co

$2.5M
Volume

2
Loans

Woodside, Ny

$2.3M
Volume

2
Loans

Temple, Tx

$2.2M
Volume

1
Loans

Draper, Ut

$2.2M
Volume

1
Loans

Lake Charles, La

$2.0M
Volume

2
Loans

Clearwater, Fl

$1.8M
Volume

1
Loans

Secaucus, Nj

$1.8M
Volume

1
Loans

Charlotte, Nc

$1.7M
Volume

3
Loans

Orange, Ca

$1.6M
Volume

3
Loans

Miami, Fl

$1.6M
Volume

5
Loans

Katy, Tx

$1.5M
Volume

2
Loans

🤝 Why Use an SBA Broker for Offices of Physical, Occupational Loans?

GoSBA Loans has extensive experience financing Offices of Physical, Occupational businesses:

  • Industry expertise — we know which lenders specialize in Offices of Physical, Occupational
  • Access to 117+ lenders — including banks that don’t accept direct applications
  • Better rates — our relationships help secure competitive terms
  • Faster approvals — proper preparation leads to quicker decisions
  • Free service — lenders pay us, you pay nothing extra

📞 Get Expert Help with Your Offices of Physical, Occupational SBA Loan

Our team specializes in SBA financing for Offices of Physical, Occupational businesses. Let us match you with the right lender for your specific needs.

Need SBA financing for your Offices of Physical, Occupational business? GoSBA Loans specializes in SBA loans for Offices of Physical, Occupational businesses. Contact our industry specialists today for a free consultation.

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Ishan Jetley

Ishan Jetley is the owner of GoSBA Loans. I have assisted 100's of businesses with their business loans. I specialize in SBA financing for working capital, real estate and business acquisitions.
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