All Other Miscellaneous Schools and Instruction: SBA business acquisition loan data
80 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as All Other Miscellaneous Schools and Instruction (NAICS 611699), totaling $66.5M. Median loan $333,900, 48% lower than the all-acquisition median. 34% of these deals were franchised units.
Seller note standby terms and third-party consents are reviewed before closing.
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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 $885,000 would be in the top quarter of SBA acquisition loans in this industry.
- Share of all acquisitions. This industry is 0.2% of all SBA-financed business purchases, ranking #117 of 300 industries tracked.
- Geography. California leads with 11 loans; the top five states account for 45% of the industry's acquisitions.
- Jobs. Lenders reported 1,252 jobs supported across these loans, about 15.7 per acquisition, a rough proxy for the size of business changing hands.
All Other Miscellaneous Schools and Instruction acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 9 | $2.6M | $208,000 | |
| FY2019 | 16 | $10.4M | $201,700 | |
| FY2020 | 11 | $14.3M | $750,000 | |
| FY2021 | 3 | $1.9M | $570,000 | |
| FY2022 | 5 | $2.7M | $667,000 | |
| FY2023 | 4 | $8M | $1,879,500 | |
| FY2024 | 8 | $9.4M | $385,000 | |
| FY2025 | 18 | $15.3M | $395,550 | |
| FY2026 | 6 | $1.9M | $187,750 |
How often do these acquisition loans fail?
Of the 39 All Other Miscellaneous Schools and Instruction 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 7.7% by loan count and 4.7% by dollars. 22 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 Miscellaneous Schools and Instruction is 118% 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.
Seller note standby terms and third-party consents are reviewed before closing.
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Top states
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | California | 11 | 13.8% | $9.5M | |
| 2 | Texas | 10 | 12.5% | $12M | |
| 3 | Florida | 5 | 6.3% | $4.1M | |
| 4 | Washington | 5 | 6.3% | $4M | |
| 5 | Indiana | 5 | 6.3% | $2.3M | |
| 6 | New Jersey | 5 | 6.3% | $2.2M | |
| 7 | New York | 4 | 5.0% | $4.3M | |
| 8 | Ohio | 4 | 5.0% | $817K | |
| 9 | Arizona | 3 | 3.8% | $7.5M | |
| 10 | Colorado | 3 | 3.8% | $1.9M |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Huntington Bank | 13 | 16.3% | $5.9M | |
| 2 | Live Oak Bank | 10 | 12.5% | $25.3M | |
| 3 | Wells Fargo | 5 | 6.3% | $2M | |
| 4 | Columbia Bank | 3 | 3.8% | $4.4M | |
| 5 | First Bank of the Lake | 2 | 2.5% | $1.5M | |
| 6 | Old National Bank | 2 | 2.5% | $658K | |
| 7 | BayFirst National Bank | 2 | 2.5% | $542K | |
| 8 | Wilmington Savings Fund Society FSB | 2 | 2.5% | $473K | |
| 9 | Banner Bank | 2 | 2.5% | $350K | |
| 10 | Centier Bank | 2 | 2.5% | $147K |
The purchase agreement decides what you bought, not the loan approval.
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Franchise brands in All Other Miscellaneous Schools and Instruction
34% of acquisition loans in this industry involved a franchised unit. Brands with the most SBA-financed resales:
| # | Brand | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | The Goddard School | 4 | 14.8% | $11M | |
| 2 | The Little Gym | 2 | 7.4% | $1.1M | |
| 3 | Huntington Learning Center | 2 | 7.4% | $950K | |
| 4 | Board & Brush Creative Studios | 2 | 7.4% | $147K | |
| 5 | Kiddie Academy | 1 | 3.7% | $2.9M | |
| 6 | Cinnabon | 1 | 3.7% | $696K | |
| 7 | Right at Home | 1 | 3.7% | $667K | |
| 8 | Kumon | 1 | 3.7% | $298K |
Questions buyers ask
How much is a typical SBA loan to buy a business in All Other Miscellaneous Schools and Instruction?
Median $333,900 across 80 acquisition loans (FY2018 to FY2026); the middle half ran $150,000 to $885,000. That is 48% lower than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most All Other Miscellaneous Schools and Instruction acquisitions?
Huntington Bank (13), Live Oak Bank (10), Wells Fargo (5), Columbia Bank (3), First Bank of the Lake (2).
Are businesses in All Other Miscellaneous Schools and Instruction often franchised?
Yes, often. 34% of SBA acquisition loans in this industry financed a franchised unit. Top brands: The Goddard School, The Little Gym, Huntington Learning Center, Board & Brush Creative Studios, Kiddie Academy.
How risky are SBA loans for buying a business in All Other Miscellaneous Schools and Instruction?
Of 39 seasoned loans (FY2018 to FY2021), 7.7% charged off, 118% higher than the 3.5% benchmark for all SBA acquisition loans.
What loan terms are common for All Other Miscellaneous Schools and Instruction acquisitions?
Median term 10 years, average initial rate 8.02% 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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