Child and Youth Services: SBA business acquisition loan data
30 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Child and Youth Services (NAICS 624110), totaling $52.6M. Median loan $1,272,500, 97% higher than the all-acquisition median. 33% of these deals were franchised units.
The purchase agreement decides what you bought, not the loan approval.
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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 $2,111,000 would be in the top quarter of SBA acquisition loans in this industry.
- Share of all acquisitions. This industry is 0.1% of all SBA-financed business purchases, ranking #231 of 300 industries tracked.
- Geography. Texas leads with 6 loans; the top five states account for 53% of the industry's acquisitions.
- Jobs. Lenders reported 943 jobs supported across these loans, about 31.4 per acquisition, a rough proxy for the size of business changing hands.
Child and Youth Services acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 3 | $4.8M | $1,405,000 | |
| FY2019 | 4 | $4.4M | $1,255,000 | |
| FY2020 | 1 | $446K | $446,000 | |
| FY2021 | 4 | $6.7M | $658,500 | |
| FY2022 | 1 | $2.2M | $2,188,000 | |
| FY2023 | 3 | $3.7M | $1,140,000 | |
| FY2024 | 1 | $338K | $338,000 | |
| FY2025 | 3 | $572K | $206,500 | |
| FY2026 | 10 | $29.5M | $2,690,000 |
How often do these acquisition loans fail?
Fewer than 20 Child and Youth Services 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.
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Top states
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Texas | 6 | 20.0% | $21.7M | |
| 2 | Georgia | 3 | 10.0% | $7.8M | |
| 3 | Colorado | 3 | 10.0% | $2.7M | |
| 4 | California | 2 | 6.7% | $6.5M | |
| 5 | New Jersey | 2 | 6.7% | $2.5M | |
| 6 | Florida | 2 | 6.7% | $2M | |
| 7 | Oregon | 2 | 6.7% | $1.3M | |
| 8 | New Hampshire | 2 | 6.7% | $365K | |
| 9 | Pennsylvania | 1 | 3.3% | $2.2M | |
| 10 | Maryland | 1 | 3.3% | $1.9M |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | 9 | 30.0% | $30.7M | |
| 2 | Pinnacle Bank | 2 | 6.7% | $2.2M | |
| 3 | Pentucket Bank | 2 | 6.7% | $365K | |
| 4 | VelocitySBA, LLC | 1 | 3.3% | $3.5M | |
| 5 | PNC Bank, National Association | 1 | 3.3% | $3M | |
| 6 | CIBC Bank USA | 1 | 3.3% | $2.2M | |
| 7 | Port 51 Lending LLC | 1 | 3.3% | $1.7M | |
| 8 | U.S. Bank, National Association | 1 | 3.3% | $1.6M | |
| 9 | BayFirst National Bank | 1 | 3.3% | $1.4M | |
| 10 | The Bancorp Bank National Association | 1 | 3.3% | $1.1M |
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Franchise brands in Child and Youth Services
33% of acquisition loans in this industry involved a franchised unit. Brands with the most SBA-financed resales:
| # | Brand | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Kids 'R' Kids | 3 | 30.0% | $6.2M | |
| 2 | The Goddard School | 2 | 20.0% | $10M | |
| 3 | Primrose Schools | 2 | 20.0% | $5.2M |
Questions buyers ask
How much is a typical SBA loan to buy a business in Child and Youth Services?
Median $1,272,500 across 30 acquisition loans (FY2018 to FY2026); the middle half ran $431,075 to $2,111,000. That is 97% higher than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Child and Youth Services acquisitions?
Live Oak Banking Company (9), Pinnacle Bank (2), Pentucket Bank (2), VelocitySBA, LLC (1), PNC Bank, National Association (1).
Are businesses in Child and Youth Services often franchised?
Yes, often. 33% of SBA acquisition loans in this industry financed a franchised unit. Top brands: Kids 'R' Kids, The Goddard School, Primrose Schools.
How risky are SBA loans for buying a business in Child and Youth Services?
Too few loans are old enough to measure for this industry. The all-acquisition benchmark is 3.5%.
What loan terms are common for Child and Youth Services acquisitions?
Median term 10 years, average initial rate 7.47% at approval (blended across years and fixed/variable structures). Terms longer than 10 years usually indicate real estate was included in the purchase.
That draft favors the seller. We review it for the buyer, line by line.
Submit Transaction DetailsAlex Lubyansky leads every engagement.
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