All Other Health and Personal Care Stores: SBA business acquisition loan data
21 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as All Other Health and Personal Care Stores (NAICS 446199), totaling $22.7M. Median loan $998,000, 55% higher than the all-acquisition median.
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Reading this industry's numbers
- Deal size. The loan excludes the buyer's equity and any seller note and may include working capital. A loan request far above $1,600,000 would be in the top quarter of SBA acquisition loans in this industry.
- Share of all acquisitions. This industry is less than 0.05% of all SBA-financed business purchases, ranking #286 of 300 industries tracked.
- Geography. Florida leads with 3 loans; the top five states account for 52% of the industry's acquisitions.
- Jobs. Lenders reported 207 jobs supported across these loans, about 9.9 per acquisition, a rough proxy for the size of business changing hands.
All Other Health and Personal Care Stores acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 1 | $560K | $560,000 | |
| FY2019 | 6 | $4.3M | $567,600 | |
| FY2020 | 11 | $14.1M | $1,510,000 | |
| FY2021 | 2 | $2.9M | $1,468,500 | |
| FY2022 | 1 | $799K | $799,000 | |
| FY2023 | 0 | $0 | - | |
| FY2024 | 0 | $0 | - | |
| FY2025 | 0 | $0 | - | |
| FY2026 | 0 | $0 | - |
How often do these acquisition loans fail?
Of the 20 All Other Health and Personal Care Stores acquisition loans approved from FY2018 to FY2021 (the seasoned cohort, every loan at least about five years old), 3 have been charged off by the SBA, a rate of 15.0% by loan count and 7.6% by dollars. 6 have already been paid in full.
For comparison, the charge-off rate across all SBA 7(a) acquisition loans in the same cohort is 3.5%, so All Other Health and Personal Care Stores is 326% higher than the acquisition-loan average. 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.
Terms signed in the LOI shape the purchase agreement that follows.
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Top states
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Florida | 3 | 14.3% | $3.9M | |
| 2 | North Carolina | 2 | 9.5% | $2.2M | |
| 3 | Idaho | 2 | 9.5% | $1.3M | |
| 4 | Texas | 2 | 9.5% | $1.3M | |
| 5 | Ohio | 2 | 9.5% | $1.1M | |
| 6 | Washington | 2 | 9.5% | $988K | |
| 7 | Pennsylvania | 1 | 4.8% | $2.1M | |
| 8 | Alabama | 1 | 4.8% | $1.9M | |
| 9 | California | 1 | 4.8% | $1.8M | |
| 10 | Illinois | 1 | 4.8% | $1.8M |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | 3 | 14.3% | $3.1M | |
| 2 | The Huntington National Bank | 3 | 14.3% | $3.1M | |
| 3 | Ameris Bank | 1 | 4.8% | $2.1M | |
| 4 | Beacon Bank and Trust | 1 | 4.8% | $1.8M | |
| 5 | CRF Small Business Loan Company, LLC | 1 | 4.8% | $1.8M | |
| 6 | Capital Bank, National Association | 1 | 4.8% | $1.6M | |
| 7 | Citizens Bank, National Association | 1 | 4.8% | $1.6M | |
| 8 | First Financial Bank | 1 | 4.8% | $1.5M | |
| 9 | Gulf Coast Bank and Trust Company | 1 | 4.8% | $1.3M | |
| 10 | Glacier Bank | 1 | 4.8% | $998K |
Terms signed in the LOI shape the purchase agreement that follows.
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Franchise brands in All Other Health and Personal Care Stores
19% of acquisition loans in this industry involved a franchised unit. Brands with the most SBA-financed resales:
| # | Brand | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Amada Senior Care | 1 | 25.0% | $1.8M |
Questions buyers ask
How much is a typical SBA loan to buy a business in All Other Health and Personal Care Stores?
Median $998,000 across 21 acquisition loans (FY2018 to FY2026); the middle half ran $573,000 to $1,600,000. That is 55% higher than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most All Other Health and Personal Care Stores acquisitions?
Live Oak Banking Company (3), The Huntington National Bank (3), Ameris Bank (1), Beacon Bank and Trust (1), CRF Small Business Loan Company, LLC (1).
Are businesses in All Other Health and Personal Care Stores often franchised?
Sometimes. 19% of SBA acquisition loans in this industry financed a franchised unit. Top brands: Amada Senior Care.
How risky are SBA loans for buying a business in All Other Health and Personal Care Stores?
Of 20 seasoned loans (FY2018 to FY2021), 15.0% charged off, 326% higher than the 3.5% benchmark for all SBA acquisition loans.
What loan terms are common for All Other Health and Personal Care Stores acquisitions?
Median term 10 years, average initial rate 6.50% at approval (blended across years and fixed/variable structures). Terms longer than 10 years usually indicate real estate was included in the purchase.
The purchase agreement decides what you bought, not the loan approval.
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