SBA loans to clinical and diagnostic laboratories in Puerto Rico
Short answer
SBA's loan file shows 60 loans to clinical and diagnostic laboratories in Puerto Rico since October 2019. 78.3% went through SBA Express, against 36.9% nationally. The median loan was $76,800, less than half the national median of $208,300.
- SBA loans, Oct 2019 to Jun 2026
- 60
- median loan
- $76,800
- dollars approved
- $6.57M
- went through SBA Express
- 78.3%
These are the 60 SBA 7(a) loans to clinical and diagnostic laboratories in Puerto Rico approved October 2019 to June 2026. Each figure is set against the national figure for the same industry and period. State is where the business is, not where the lender is based. The file lists loans SBA approved, so it shows what lenders have done and not what any lender will do for you. Every state page for this industry uses this same period, so the pages can be compared with each other.
How Puerto Rico differs from the U.S.
What this means for you. SBA Express was a more common route for these loans here, so ask lenders about it if your loan is small enough to qualify.
SBA Express
78.3% of the loans in Puerto Rico went through SBA Express, against 36.9% nationally.
Loan size
The medianThe middle figure. Half the loans were larger and half were smaller. loan was $76,800 in Puerto Rico, less than half the national median of $208,300.
The middle half of loans in Puerto Rico ran from $40,000 to $146,225. Nationally the middle half ran from $100,000 to $468,750.
How common it is
Clinical and diagnostic laboratories made up 2.1% of the SBA loans approved in Puerto Rico since October 2019, against 0.08% of loans nationwide. Its share here is 25.3 times its national share.
We compared 8 measures with the national figure for the same period, and these are the 3 that differ clearly. The table compares every measure.
Puerto Rico next to the U.S.
| Measure | Puerto Rico | United States | Reading |
|---|---|---|---|
| Industry's share of all SBA loans | 2.1% | 0.08% | Clearly higher |
| Median loan | $76,800 | $208,300 | Clearly lower |
| Middle half of loans | $40,000 to $146,225 | $100,000 to $468,750 | – |
| Startups (the loan opens the business) | 25.0% | 23.7% | No clear gap |
| In business 2 years or less | 23.3% | 19.0% | No clear gap |
| In business more than 2 years | 48.3% | 47.8% | No clear gap |
| Change of ownership | Fewer than 5 | 8.0% | n/a |
| SBA Express | 78.3% | 36.9% | Clearly higher |
| Lines of credit | 31.7% | 23.4% | No clear gap |
| Median term | 10 years | 10 years | – |
| Median spread over Prime at approval | 3.25 points over Prime | 2.75 points over Prime | – |
Clearly higher and clearly lower mark a gap large enough to matter and unlikely to be chance for this many loans. Spread over Prime is the rate at approval minus Prime that day, so it is not today's rate. Rows with a dash are shown for reference.
Who lends in Puerto Rico
The 3 lenders below made 60 of the 60 loans approved October 2019 to June 2026, or 100%. A lender is listed when it has 5 or more of them, five at most.
| Lender | Loans | Share here | U.S. share |
|---|---|---|---|
| Banco Popular de Puerto Rico | 36 | 60.0% | 13.1% |
| Oriental Bank | 15 | 25.0% | 5.5% |
| FirstBank Puerto Rico | 9 | 15.0% | 3.3% |
Share here is the lender's share of the loans in this state. U.S. share is its share of all loans to this industry nationally. Not in top 5 means it is not one of the five lenders with the most loans to the industry.
More industries in Puerto Rico
Other industries in Puerto Rico with a clear difference from the national pattern, most loans first.
| Industry | Loans since October 2019 |
|---|---|
| Physician practices | 233 |
| Sit-down restaurants | 177 |
| Physical therapy, speech therapy and audiology practices | 89 |
| Chiropractic practices | 68 |
| Fast-food, pizza and counter-service restaurants | 62 |
| Commercial building contractors | 58 |
| Dental practices | 58 |
| Pharmacies | 58 |
How to read this
Counts come from SBA's 7(a) loan-level data release, as of June 30, 2026. The file lists loans SBA approved. It does not list declined applications, so it cannot show approval odds. We do not publish any figure built on fewer than 5 loans. Industry is the NAICS code recorded on each loan. Location is the borrower's address in the file. Loans are those approved October 1, 2019 to June 30, 2026. SBA's fiscal year runs October 1 to September 30. Each figure is set against the national figure for the same period. A gap is called clear when it is large enough to matter and unlikely to be chance for this many loans. A comparison with no clear gap in the loans is not published. Express counts SBA Express and Export Express loans. Lines of credit are loans SBA's file flags as revolving. How we build these pages.
Download this page's data: JSON · CSV
Cite this page: SBA loans to clinical and diagnostic laboratories in Puerto Rico. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/industries/medical-laboratories/puerto-rico/
Ask lending partners about your loan in Puerto Rico
Tell us your state, loan amount and purpose, and we route your inquiry to lending partners.
Janover Capital LLC is not a lender and is not the SBA. The lender makes the credit decision. A lender or marketplace may pay us a referral fee if we connect you, at no cost to you. Advertiser disclosure.