Buying a Central Bark Doggy Day Care franchise: SBA acquisition loan data
Since FY2018, SBA lenders have approved 6 7(a) loans to buy an existing Central Bark Doggy Day Care (classified mostly as Pet Care (except Veterinary) Services), totaling $3.1M. The median loan was $272,500, 58% lower than the $645,250 median for all SBA-financed acquisitions.
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What this tells a buyer
- Price range to expect. Loan size tracks purchase price. Half of Central Bark Doggy Day Care resale loans landed between $203,750 and $585,300.
- Lender experience exists. Waukesha State Bank alone has financed 4 Central Bark Doggy Day Care resales.
- Guaranty. The SBA guaranteed 79% of the dollars lent here.
- What the file leaves out. The SBA file does not record franchisor transfer terms or fees.
Financing a Central Bark Doggy Day Care resale
The median SBA 7(a) loan for a Central Bark Doggy Day Care resale was $272,500 across 6 loans (FY2018 to FY2026). Waukesha State Bank and Live Oak Banking Company have financed the most Central Bark Doggy Day Care resales. Too few of these loans are old enough to measure a charge-off rate; the average for all SBA acquisition loans is 3.5%.
Central Bark Doggy Day Care acquisition loans by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 1 | $245K | $245,000 | |
| FY2019 | 1 | $300K | $300,000 | |
| FY2020 | 1 | $190K | $190,000 | |
| FY2021 | 2 | $820K | $410,200 | |
| FY2022 | 1 | $1.5M | $1,500,000 | |
| FY2023 | 0 | $0 | - | |
| FY2024 | 0 | $0 | - | |
| FY2025 | 0 | $0 | - | |
| FY2026 | 0 | $0 | - |
How often do these acquisition loans fail?
Fewer than 20 Central Bark Doggy Day Care acquisition loans are old enough to measure losses reliably, so no charge-off rate is shown. The benchmark across all SBA acquisition loans in the FY2018 to FY2021 cohort is 3.5% by count. Non-acquisition 7(a) loans (every other stated purpose) approved FY2018 to FY2021 charged off at 6.2%.
"Charged off" is the SBA's final loss action on a defaulted loan after collection efforts. It lags default by a year or more, which is why only older cohorts are measured. It is not the same as a delinquency rate, and loans still outstanding can still fail. See charge-off in the glossary.
The purchase agreement decides what you bought, not the loan approval.
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Lenders financing Central Bark Doggy Day Care resales
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Waukesha State Bank | 4 | 66.7% | $875K | |
| 2 | Live Oak Banking Company | 2 | 33.3% | $2.2M |
States where Central Bark Doggy Day Care units are bought
The purchase agreement decides what you bought, not the loan approval.
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Questions buyers ask
How much do buyers borrow to buy a Central Bark Doggy Day Care franchise?
The median SBA 7(a) loan for a Central Bark Doggy Day Care resale was $272,500 across 6 loans (FY2018 to FY2026). The middle half of loans ran from $203,750 to $585,300. The loan excludes the buyer's equity and any seller note and may include working capital, so the price is usually higher than the loan.
Which banks finance Central Bark Doggy Day Care acquisitions?
Waukesha State Bank has made the most SBA acquisition loans for Central Bark Doggy Day Care (4, 67% of the total). Live Oak Banking Company follow.
What interest rate and term do Central Bark Doggy Day Care acquisition loans carry?
The average initial rate at approval was 6.42% (a blend of fixed and variable loans across several rate environments, so treat it as context, not a quote). The median term was 10 years.
Is a Central Bark Doggy Day Care resale riskier than other SBA-financed acquisitions?
Too few Central Bark Doggy Day Care acquisition loans are old enough to measure. The benchmark for all SBA acquisition loans is 3.5% charged off in the FY2018 to FY2021 cohort.
Where are Central Bark Doggy Day Care units being bought with SBA loans?
Wisconsin (5), Illinois (1). State counts follow where the brand has units and where SBA lending is most active generally; see the state pages for the overall picture.
Terms signed in the LOI shape the purchase agreement that follows.
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Related
- All Pet Care (except Veterinary) Services acquisitions
- Wisconsin acquisitions
- Illinois acquisitions
- Waukesha State Bank
- Live Oak Banking Company
- All franchise brands
Brand name as recorded by lenders in the SBA file: "Central Bark Doggy Day Care" (franchise code S0355). Figures are aggregates of public SBA data and are not provided or endorsed by the franchisor.