# 2026 Longevity, GLP-1 Weight Loss, Peptide & IV Drip Cash-Pay Clinic 5-Year SBA 7(a) Financial Model

- **Platform**: TierCFO (`https://tiercfo.com`)
- **Application Scenario**: Physicians, NPs & Healthcare Entrepreneurs Opening Cash-Pay Longevity Clinics (+510% YoY Search Growth)
- **Canonical URL**: `https://tiercfo.com/models/longevity-iv-drip-peptide-hormone-clinic-sba-7a-financial-model.html`

## Executive Summary
Recurring Membership MRR, Compounding Pharmacy COGS, MSO-PC Legal Structure & 2.15x DSCR Underwriting Benchmark

## 2026 Quantitative Benchmark Matrix
| Key Parameter / Component | Conventional Baseline / Risk | 2026 Optimal Target / Benchmark | Actionable Execution Protocol |
| :--- | :--- | :--- | :--- |
| Startup Buildout + Diagnostic Equipment | $180,000 – $350,000 SBA 7(a) Loan | 10-Year Term @ Prime + 2.50% | Covers DEXA/VO2 Max scanner + 4 IV bays + working cap |
| Blended Gross Margin (GLP-1 / TRT / IV) | 74.0% – 81.5% Gross Margin | 503A/503B Pharmacy + Lab Panel COGS: 21% | Recurring $299–$499/mo membership stabilizes cashflow |
| Year-1 Projected EBITDA & Bank DSCR | $265,000 EBITDA on $890,000 Revenue | 2.38x DSCR (Exceeds 1.25x SBA threshold) | Passes SBA SOP 50 10 7.1 healthcare cashflow audit |

## Application Scenario & Execution Blueprint
SBA Underwriting Application Scenario: Cash-pay longevity, hormone replacement (TRT/HRT), and medical weight-loss clinics are the #1 fastest-growing healthcare SBA 7(a) loan category in 2026 due to zero insurance-reimbursement delay.