Services for the Elderly and Persons with Disabilities: SBA business acquisition loan data
206 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Services for the Elderly and Persons with Disabilities (NAICS 624120), totaling $230M. Median loan $545,000, 16% lower than the all-acquisition median. Annual volume fell 36% from FY2024 to FY2026. 38% of these deals were franchised units.
That draft favors the seller. We review it for the buyer, line by line.
Submit Transaction DetailsFree consultation. All 50 states.
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 $1,394,750 would be in the top quarter of SBA acquisition loans in this industry.
- Share of all acquisitions. This industry is 0.4% of all SBA-financed business purchases, ranking #52 of 300 industries tracked.
- Geography. California leads with 30 loans; the top five states account for 44% of the industry's acquisitions.
- Jobs. Lenders reported 12,636 jobs supported across these loans, about 61.3 per acquisition, a rough proxy for the size of business changing hands.
Services for the Elderly and Persons with Disabilities acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 5 | $2.5M | $201,000 | |
| FY2019 | 10 | $9M | $484,650 | |
| FY2020 | 11 | $9.2M | $747,000 | |
| FY2021 | 11 | $18.6M | $564,000 | |
| FY2022 | 31 | $32.7M | $660,000 | |
| FY2023 | 40 | $55.3M | $640,000 | |
| FY2024 | 42 | $35.7M | $475,000 | |
| FY2025 | 29 | $38.2M | $500,000 | |
| FY2026 | 27 | $28.8M | $925,000 |
How often do these acquisition loans fail?
Of the 37 Services for the Elderly and Persons with Disabilities 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. 20 have already been paid in full.
For comparison, Services for the Elderly and Persons with Disabilities 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.
That draft favors the seller. We review it for the buyer, line by line.
Submit Transaction DetailsAlex Lubyansky leads every engagement.
Top states
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | California | 30 | 14.6% | $33.4M | |
| 2 | Texas | 21 | 10.2% | $32.6M | |
| 3 | Florida | 20 | 9.7% | $23.9M | |
| 4 | North Carolina | 11 | 5.3% | $15.5M | |
| 5 | Arizona | 9 | 4.4% | $14.2M | |
| 6 | Ohio | 9 | 4.4% | $4.4M | |
| 7 | Pennsylvania | 7 | 3.4% | $9.2M | |
| 8 | Colorado | 7 | 3.4% | $5.4M | |
| 9 | New Jersey | 7 | 3.4% | $3.8M | |
| 10 | Virginia | 6 | 2.9% | $9.6M |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | 128 | 62.1% | $151M | |
| 2 | The Huntington National Bank | 13 | 6.3% | $6.5M | |
| 3 | Port 51 Lending LLC | 3 | 1.5% | $3.6M | |
| 4 | Mission Valley Bank | 2 | 1.0% | $6.7M | |
| 5 | CIBC Bank USA | 2 | 1.0% | $3.8M | |
| 6 | Wells Fargo Bank National Association | 2 | 1.0% | $2.3M | |
| 7 | Western Alliance Bank | 2 | 1.0% | $1.4M | |
| 8 | INTRUST Bank National Association | 2 | 1.0% | $1M | |
| 9 | Plumas Bank | 2 | 1.0% | $1M | |
| 10 | Old National Bank | 2 | 1.0% | $992K |
The purchase agreement decides what you bought, not the loan approval.
Request Engagement AssessmentAlex Lubyansky leads every engagement.
Franchise brands in Services for the Elderly and Persons with Disabilities
38% of acquisition loans in this industry involved a franchised unit. Brands with the most SBA-financed resales:
| # | Brand | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Home Instead | 22 | 27.8% | $28.4M | |
| 2 | Comfort Keepers | 12 | 15.2% | $12.7M | |
| 3 | Visiting Angels | 8 | 10.1% | $6.4M | |
| 4 | BrightStar Care | 6 | 7.6% | $7.6M | |
| 5 | FirstLight HomeCare | 4 | 5.1% | $7M | |
| 6 | ComForCare Home Care | 4 | 5.1% | $3.3M | |
| 7 | Right at Home | 3 | 3.8% | $1.9M | |
| 8 | Always Best Care Services | 3 | 3.8% | $1.9M | |
| 9 | Senior Helpers | 2 | 2.5% | $3.3M | |
| 10 | Home Helpers Home Care | 2 | 2.5% | $1.5M | |
| 11 | Seniors Helping Seniors | 2 | 2.5% | $995K | |
| 12 | CarePatrol | 2 | 2.5% | $648K | |
| 13 | Amada Senior Care | 1 | 1.3% | $2.8M | |
| 14 | Touching Hearts at Home | 1 | 1.3% | $1.7M | |
| 15 | SYNERGY HomeCare | 1 | 1.3% | $1.4M |
Questions buyers ask
How much is a typical SBA loan to buy a business in Services for the Elderly and Persons with Disabilities?
Median $545,000 across 206 acquisition loans (FY2018 to FY2026); the middle half ran $218,400 to $1,394,750. That is 16% lower than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Services for the Elderly and Persons with Disabilities acquisitions?
Live Oak Banking Company (128), The Huntington National Bank (13), Port 51 Lending LLC (3), Mission Valley Bank (2), CIBC Bank USA (2).
Are businesses in Services for the Elderly and Persons with Disabilities often franchised?
Yes, often. 38% of SBA acquisition loans in this industry financed a franchised unit. Top brands: Home Instead, Comfort Keepers, Visiting Angels, BrightStar Care, FirstLight HomeCare.
How risky are SBA loans for buying a business in Services for the Elderly and Persons with Disabilities?
Of 37 seasoned loans (FY2018 to FY2021), none charged off, against the 3.5% benchmark for all SBA acquisition loans.
What loan terms are common for Services for the Elderly and Persons with Disabilities acquisitions?
Median term 10 years, average initial rate 8.61% 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.
Advertise on this site: lenders, brokers, valuation and insurance firms. See options