Educational Support Services: SBA business acquisition loan data
45 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Educational Support Services (NAICS 611710), totaling $40.2M. Median loan $411,800, 36% lower than the all-acquisition median. 47% of these deals were franchised units.
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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 $1,012,000 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 #172 of 300 industries tracked.
- Geography. Georgia leads with 4 loans; the top five states account for 38% of the industry's acquisitions.
- Jobs. Lenders reported 858 jobs supported across these loans, about 19.1 per acquisition, a rough proxy for the size of business changing hands.
Educational Support Services acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 6 | $7.2M | $392,250 | |
| FY2019 | 5 | $3.3M | $587,000 | |
| FY2020 | 5 | $1.4M | $220,000 | |
| FY2021 | 6 | $4.1M | $515,150 | |
| FY2022 | 1 | $49K | $48,500 | |
| FY2023 | 5 | $7.5M | $995,000 | |
| FY2024 | 5 | $2.2M | $305,000 | |
| FY2025 | 1 | $922K | $921,600 | |
| FY2026 | 11 | $13.5M | $500,000 |
How often do these acquisition loans fail?
Of the 22 Educational Support Services acquisition loans approved from FY2018 to FY2021 (the seasoned cohort, every loan at least about five years old), none have been charged off by the SBA. 9 have already been paid in full.
For comparison, Educational Support Services has none charged off, against the 3.5% average across all SBA 7(a) acquisition loans in the same cohort. 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
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | 4 | 8.9% | $6.6M | |
| 2 | Oconee State Bank | 3 | 6.7% | $1.1M | |
| 3 | Texas Capital Bank | 2 | 4.4% | $3.2M | |
| 4 | The Huntington National Bank | 2 | 4.4% | $839K | |
| 5 | Pathward National Association | 2 | 4.4% | $645K | |
| 6 | Zions Bancorporation, National Association | 2 | 4.4% | $645K | |
| 7 | Security Service FCU | 2 | 4.4% | $467K | |
| 8 | UMB Bank, National Association | 1 | 2.2% | $5M | |
| 9 | Sunflower Bank National Association | 1 | 2.2% | $4.6M | |
| 10 | Wilmington Savings Fund Society FSB | 1 | 2.2% | $3.3M |
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Franchise brands in Educational Support Services
47% of acquisition loans in this industry involved a franchised unit. Brands with the most SBA-financed resales:
| # | Brand | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Sylvan Learning Centers | 6 | 28.6% | $3.2M | |
| 2 | Brain Balance | 4 | 19.0% | $1.7M | |
| 3 | Kumon | 2 | 9.5% | $525K | |
| 4 | Huntington Learning Center | 2 | 9.5% | $520K | |
| 5 | The Goddard School | 1 | 4.8% | $450K | |
| 6 | Mathnasium | 1 | 4.8% | $327K | |
| 7 | Kiddie Academy | 1 | 4.8% | $273K |
Questions buyers ask
How much is a typical SBA loan to buy a business in Educational Support Services?
Median $411,800 across 45 acquisition loans (FY2018 to FY2026); the middle half ran $226,800 to $1,012,000. That is 36% lower than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Educational Support Services acquisitions?
Live Oak Banking Company (4), Oconee State Bank (3), Texas Capital Bank (2), The Huntington National Bank (2), Pathward National Association (2).
Are businesses in Educational Support Services often franchised?
Yes, often. 47% of SBA acquisition loans in this industry financed a franchised unit. Top brands: Sylvan Learning Centers, Brain Balance, Kumon, Huntington Learning Center, The Goddard School.
How risky are SBA loans for buying a business in Educational Support Services?
Of 22 seasoned loans (FY2018 to FY2021), none charged off, against the 3.5% benchmark for all SBA acquisition loans.
What loan terms are common for Educational Support Services acquisitions?
Median term 10 years, average initial rate 7.84% at approval (blended across years and fixed/variable structures). Terms longer than 10 years usually indicate real estate was included in the purchase.
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