Offices of Other Holding Companies: SBA business acquisition loan data
47 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Offices of Other Holding Companies (NAICS 551112), totaling $98.4M. Median loan $1,859,000, 188% higher than the all-acquisition median.
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 $3,148,500 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 #167 of 300 industries tracked.
- Geography. Colorado leads with 6 loans; the top five states account for 40% of the industry's acquisitions.
- Jobs. Lenders reported 1,645 jobs supported across these loans, about 35.0 per acquisition, a rough proxy for the size of business changing hands.
Offices of Other Holding Companies acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 4 | $8.1M | $1,495,000 | |
| FY2019 | 5 | $8.5M | $1,212,000 | |
| FY2020 | 1 | $2.4M | $2,430,000 | |
| FY2021 | 4 | $9.7M | $2,349,500 | |
| FY2022 | 7 | $16.9M | $1,875,500 | |
| FY2023 | 3 | $4.2M | $873,000 | |
| FY2024 | 2 | $6M | $3,006,250 | |
| FY2025 | 8 | $16.6M | $1,764,500 | |
| FY2026 | 13 | $26M | $2,222,500 |
How often do these acquisition loans fail?
Fewer than 20 Offices of Other Holding Companies 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.
Seller note standby terms and third-party consents are reviewed before closing.
Submit Transaction DetailsAlex Lubyansky leads every engagement.
Top states
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Colorado | 6 | 12.8% | $14.9M | |
| 2 | Minnesota | 4 | 8.5% | $5.9M | |
| 3 | Ohio | 3 | 6.4% | $9.8M | |
| 4 | New York | 3 | 6.4% | $7.3M | |
| 5 | California | 3 | 6.4% | $7M | |
| 6 | Wisconsin | 3 | 6.4% | $4.3M | |
| 7 | Pennsylvania | 3 | 6.4% | $3.4M | |
| 8 | Utah | 3 | 6.4% | $2.1M | |
| 9 | Texas | 2 | 4.3% | $8M | |
| 10 | Arizona | 2 | 4.3% | $5M |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | 8 | 17.0% | $17M | |
| 2 | Byline Bank | 7 | 14.9% | $14.4M | |
| 3 | Fifth Third Bank | 2 | 4.3% | $7.7M | |
| 4 | Zions Bancorporation, National Association | 2 | 4.3% | $4.9M | |
| 5 | Pathward National Association | 2 | 4.3% | $4.2M | |
| 6 | Lake City Bank | 2 | 4.3% | $3.6M | |
| 7 | Happen Bank | 2 | 4.3% | $2.3M | |
| 8 | Manufacturers and Traders Trust Company | 2 | 4.3% | $945K | |
| 9 | Banner Bank | 1 | 2.1% | $5M | |
| 10 | CNB Bank | 1 | 2.1% | $5M |
Terms signed in the LOI shape the purchase agreement that follows.
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Franchise brands in Offices of Other Holding Companies
11% of acquisition loans in this industry involved a franchised unit. Brands with the most SBA-financed resales:
| # | Brand | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Padgett Business Services | 1 | 20.0% | $350K |
Questions buyers ask
How much is a typical SBA loan to buy a business in Offices of Other Holding Companies?
Median $1,859,000 across 47 acquisition loans (FY2018 to FY2026); the middle half ran $891,500 to $3,148,500. That is 188% higher than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Offices of Other Holding Companies acquisitions?
Live Oak Banking Company (8), Byline Bank (7), Fifth Third Bank (2), Zions Bancorporation, National Association (2), Pathward National Association (2).
Are businesses in Offices of Other Holding Companies often franchised?
Sometimes. 11% of SBA acquisition loans in this industry financed a franchised unit. Top brands: Padgett Business Services.
How risky are SBA loans for buying a business in Offices of Other Holding Companies?
Too few loans are old enough to measure for this industry. The all-acquisition benchmark is 3.5%.
What loan terms are common for Offices of Other Holding Companies acquisitions?
Median term 10 years, average initial rate 7.70% at approval (blended across years and fixed/variable structures). Terms longer than 10 years usually indicate real estate was included in the purchase.
Seller note standby terms and third-party consents are reviewed before closing.
Submit Transaction DetailsAlex Lubyansky leads every engagement.
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