Assisted Living Facilities for the Elderly acquisitions in Arizona: SBA loan data
Since FY2018, SBA lenders have approved 39 7(a) loans to buy an existing business classified as Assisted Living Facilities for the Elderly in Arizona, totaling $47.9M. The median loan was $882,400. That is 3.6% of the 1,095 acquisition loans in Arizona.
- Loans, FY2018-FY2026
- 39
- Median loan
- $882,400 (middle half $587,500 to $1,472,000)
- Top lender
- America First Federal Credit Union (21%, 8 loans)
- Charge-off, FY2018-FY2021 loans
- 0.0% (all-acquisition: 3.5%)
- FY2026 loans (latest complete year)
- 4
SBA lenders approved 39 7(a) loans to buy a business classified as Assisted Living Facilities for the Elderly in Arizona from FY2018-FY2026, with a median of $882,400 and a middle half of $587,500 to $1,472,000. America First Federal Credit Union made 21% of them. FY2026 had 4 loans.
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How Assisted Living Facilities for the Elderly in Arizona compares
| Measure | Assisted Living Facilities for... | Arizona, all industries | Assisted Living..., nationwide | All acquisitions |
|---|---|---|---|---|
| Median loan | $882,400 | $770,000 | $997,300 | $645,250 |
| Middle half of loans | $587,500 to $1,472,000 | $369,550 to $1,523,600 | $623,750 to $1,774,500 | $283,000 to $1,465,000 |
| Average initial rate | 6.96% | 8.06% | 7.37% | 7.76% |
| Median term | 25 years | 10 years | 25 years | 10 years |
| Charge-off rate (seasoned loans) | 0.0% | 3.5% | 0.0% | 3.5% |
| Loans in sample | 39 | 1,095 | 443 | 48,902 |
The median for Assisted Living Facilities for the Elderly acquisition loans in Arizona is $882,400, slightly above the $770,000 median for all Arizona acquisitions, slightly below the $997,300 median for Assisted Living Facilities for the Elderly acquisitions nationwide and above the $645,250 median for all SBA-financed acquisitions nationally.
The middle half runs $587,500 to $1,472,000, against $283,000 to $1,465,000 nationally; the median term is 25 years, longer than the national median of 10 years; the average initial rate is 6.96%, below the 7.76% national average.
None of the seasoned loans were charged off, against 3.5% for all Arizona acquisitions, 0.0% for Assisted Living Facilities for the Elderly acquisitions nationwide and 3.5% for all acquisition loans.
Loan size distribution
| Loan size | Assisted Living Facilities for... | All acquisitions |
|---|---|---|
| Under $350K | 5% | 30% |
| $350K to under $1M | 51% | 33% |
| $1M to under $2M | 28% | 19% |
| $2M and over | 15% | 17% |
Most Assisted Living Facilities for the Elderly acquisition loans in Arizona (56%) were under $1M, and the largest single band is $350K to under $1M at 51%, against 33% of all acquisition loans.
Bands are fixed dollar ranges chosen for comparison. They are not SBA program limits.
Lender concentration
America First Federal Credit Union made 21% of Assisted Living Facilities for the Elderly acquisition loans in Arizona, and the top three lenders together made 44%. 6 of the 15 lenders involved made three or more. Repeat experience is spread across many banks. That is a rough guide to how many banks have seen this kind of deal before.
Recent activity
In FY2025 and FY2026 combined, 6 Assisted Living Facilities for the Elderly acquisition loans in Arizona were approved. Fewer than 10 loans were approved in FY2023 and FY2024, so no change is computed. The median was $841,100, in line with the $882,400 median across all years.
Assisted Living Facilities for the Elderly acquisition loans in Arizona by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 4 | $5.4M | $999,400 | |
| FY2019 | 8 | $8.3M | $575,500 | |
| FY2020 | 4 | $5.8M | $1,190,300 | |
| FY2021 | 8 | $8.9M | $1,340,500 | |
| FY2022 | 4 | $5.5M | $1,046,000 | |
| FY2023 | 2 | $1.6M | $795,650 | |
| FY2024 | 3 | $5M | $823,700 | |
| FY2025 | 2 | $4.3M | $2,158,700 | |
| FY2026 | 4 | $3M | $706,400 |
How often do these acquisition loans fail?
Of the 24 Assisted Living Facilities for the Elderly in Arizona 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. 16 have already been paid in full.
For comparison, Assisted Living Facilities for the Elderly in Arizona 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 lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | America First Federal Credit Union | 8 | 20.5% | $9.5M | |
| 2 | Live Oak Banking Company | 6 | 15.4% | $9.2M | |
| 3 | Alerus Financial, National Association | 3 | 7.7% | $4.7M | |
| 4 | Celtic Bank Corporation | 3 | 7.7% | $3.3M | |
| 5 | Columbia Bank | 3 | 7.7% | $3.2M |
Top franchise brands
No franchise brands recorded in this combination.
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Questions buyers ask
How much do SBA loans for Assisted Living Facilities for the Elderly acquisitions in Arizona run?
The median SBA 7(a) loan was $882,400 across 39 loans (FY2018 to FY2026), with the middle half between $587,500 and $1,472,000. The loan excludes the buyer's equity and any seller note and may include working capital, so the price is usually higher than the loan.
Which banks finance Assisted Living Facilities for the Elderly acquisitions in Arizona?
America First Federal Credit Union (8), Live Oak Banking Company (6), Alerus Financial, National Association (3), Celtic Bank Corporation (3), Columbia Bank (3). Some lenders repeatedly finance this industry in this state; the counts above show which.
How often do Assisted Living Facilities for the Elderly acquisition loans fail in Arizona?
Of 24 seasoned loans (FY2018 to FY2021), none were charged off, against the 3.5% rate for all SBA acquisition loans. With a sample this size, treat the figure as a direction, not a precise rate.
Are franchised businesses part of Assisted Living Facilities for the Elderly acquisitions in Arizona?
None of the 39 loans in this combination were recorded with a franchise brand.
How much do you need down for an SBA loan to buy an Assisted Living Facilities for the Elderly business in Arizona?
The SBA requires the buyer to make an equity injection, commonly 10% of total project cost, and a lender may ask for more. The SBA file does not record injections, so the figures here are the financed portion: the median for Assisted Living Facilities for the Elderly acquisition loans in Arizona was $882,400, and the middle half ran $587,500 to $1,472,000.
How long does an SBA acquisition loan take?
For a change-of-ownership 7(a) loan, 45 to 90 days from application to close is typical. It varies by lender and by how quickly third-party reports, such as the business valuation and appraisal, come back. The SBA file records approval dates, not application dates, so this site cannot measure it. Lenders approved 6 Assisted Living Facilities for the Elderly acquisition loans in Arizona in FY2025 and FY2026.
Which banks make SBA loans for an Assisted Living Facilities for the Elderly business in Arizona?
By loan count, FY2018 to FY2026: America First Federal Credit Union (8), Live Oak Banking Company (6), Alerus Financial, National Association (3), Celtic Bank Corporation (3), Columbia Bank (3). America First Federal Credit Union made 21% of Assisted Living Facilities for the Elderly acquisition loans in Arizona. Counts show past approvals only and do not predict whether a lender will approve a particular deal.
Terms signed in the LOI shape the purchase agreement that follows.
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Related
- All Arizona acquisitions
- Assisted Living Facilities for the Elderly nationally
- Assisted Living Facilities for the Elderly in California
- Assisted Living Facilities for the Elderly in Washington
- Assisted Living Facilities for the Elderly in Florida
- Assisted Living Facilities for the Elderly in North Carolina
- Assisted Living Facilities for the Elderly in Oregon
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Small samples move a lot: each loan in this combination is 3% of the count. Industry is the NAICS code the lender recorded. See the methodology.
Cite this data
SBA Acquisition Data, "Assisted Living Facilities for the Elderly in Arizona: SBA acquisition loan data", https://sbaacquisitiondata.com/state/az/assisted-living-facilities-for-the-elderly-623312 (data as of September 30, 2026). Source: U.S. Small Business Administration 7(a) loan file, data.sba.gov. Aggregated by SBA Acquisition Data.
The figures on this page are also published as JSON at https://sbaacquisitiondata.com/data/state/az/assisted-living-facilities-for-the-elderly-623312.json.