Child Care Services acquisitions in Arizona: SBA loan data
Since FY2018, SBA lenders have approved 10 7(a) loans to buy an existing business classified as Child Care Services in Arizona, totaling $15.1M. The median loan was $1,130,500. That is 0.9% of the 1,095 acquisition loans in Arizona.
- Loans, FY2018-FY2026
- 10
- Median loan
- $1,130,500 (middle half $773,250 to $1,587,775)
- Top lender
- Live Oak Banking Company (30%, 3 loans)
- FY2026 loans (latest complete year)
- 0
SBA lenders approved 10 7(a) loans to buy a business classified as Child Care Services in Arizona from FY2018-FY2026, with a median of $1,130,500 and a middle half of $773,250 to $1,587,775. Live Oak Banking Company made 30% of them. FY2026 had 0 loans.
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How Child Care Services in Arizona compares
| Measure | Child Care Services in Arizona | Arizona, all industries | Child Care Services, nationwide | All acquisitions |
|---|---|---|---|---|
| Median loan | $1,130,500 | $770,000 | $763,300 | $645,250 |
| Middle half of loans | $773,250 to $1,587,775 | $369,550 to $1,523,600 | $368,750 to $1,619,500 | $283,000 to $1,465,000 |
| Average initial rate | 7.54% | 8.06% | 7.55% | 7.76% |
| Median term | 20 years | 10 years | 10 years | 10 years |
| Charge-off rate (seasoned loans) | n/a | 3.5% | 0.8% | 3.5% |
| Loans in sample | 10 | 1,095 | 850 | 48,902 |
The median for loans to buy daycares in Arizona is $1,130,500, well above the $770,000 median for all Arizona acquisitions, well above the $763,300 median for Child Care Services acquisitions nationwide and well above the $645,250 median for all SBA-financed acquisitions nationally.
The middle half runs $773,250 to $1,587,775, against $283,000 to $1,465,000 nationally; the median term is 20 years, longer than the national median of 10 years; the average initial rate is 7.54%, below the 7.76% national average.
Too few of these loans are old enough to measure a charge-off rate; the national rate for seasoned acquisition loans is 3.5%.
Loan size distribution
| Loan size | Child Care Services in Arizona | All acquisitions |
|---|---|---|
| Under $350K | 10% | 30% |
| $350K to under $1M | 30% | 33% |
| $1M to under $2M | 40% | 19% |
| $2M and over | 20% | 17% |
Most loans to buy daycares in Arizona (60%) were $1M or more, and the largest single band is $1M to under $2M at 40%, against 19% of all acquisition loans.
Bands are fixed dollar ranges chosen for comparison. They are not SBA program limits.
Lender concentration
Live Oak Banking Company made 30% of loans to buy daycares in Arizona, and the top three lenders together made 60%. 1 of the 7 lenders involved made three or more. Only 1 lender has repeat experience here. That is a rough guide to how many banks have seen this kind of deal before.
Recent activity
In FY2025 and FY2026 combined, 4 loans to buy daycares in Arizona were approved. Fewer than 10 loans were approved in FY2023 and FY2024, so no change is computed. The median was $1,362,500, above the $1,130,500 median across all years.
Child Care Services acquisition loans in Arizona by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 1 | $1.6M | $1,608,700 | |
| FY2019 | 2 | $910K | $455,100 | |
| FY2020 | 0 | $0 | - | |
| FY2021 | 2 | $1.9M | $929,500 | |
| FY2022 | 0 | $0 | - | |
| FY2023 | 0 | $0 | - | |
| FY2024 | 1 | $4.5M | $4,465,000 | |
| FY2025 | 4 | $6.3M | $1,362,500 | |
| FY2026 | 0 | $0 | - |
How often do these acquisition loans fail?
Fewer than 20 Child Care Services in Arizona 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 lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | 3 | 30.0% | $3.5M | |
| 2 | First Bank of the Lake | 2 | 20.0% | $3.5M | |
| 3 | Seacoast National Bank | 1 | 10.0% | $4.5M | |
| 4 | BMO Bank National Association | 1 | 10.0% | $1.6M | |
| 5 | Arizona Financial Credit Union | 1 | 10.0% | $1.1M |
Top franchise brands
| # | Franchise | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Kiddie Academy | 2 | 20.0% | $2M | |
| 2 | The Goddard School | 1 | 10.0% | $4.5M | |
| 3 | Primrose Schools | 1 | 10.0% | $2.9M |
Seller note standby terms and third-party consents are reviewed before closing.
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Questions buyers ask
How much do SBA loans for Child Care Services acquisitions in Arizona run?
The median SBA 7(a) loan was $1,130,500 across 10 loans (FY2018 to FY2026). 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 Child Care Services acquisitions in Arizona?
Live Oak Banking Company (3), First Bank of the Lake (2), Seacoast National Bank (1), BMO Bank National Association (1), Arizona Financial Credit Union (1).
How often do Child Care Services acquisition loans fail in Arizona?
Fewer than 20 loans in this combination are old enough to measure losses reliably, so no rate is shown. The national benchmark for all SBA acquisition loans is 3.5% (FY2018 to FY2021 cohort).
Are franchised businesses part of Child Care Services acquisitions in Arizona?
5 of the 10 loans (50%) involved a franchise brand, most often Kiddie Academy (2).
How much do you need down for an SBA loan to buy a daycare 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 loans to buy daycares in Arizona was $1,130,500, and the middle half ran $773,250 to $1,587,775.
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 4 loans to buy daycares in Arizona in FY2025 and FY2026.
Which banks make SBA loans for a daycare in Arizona?
By loan count, FY2018 to FY2026: Live Oak Banking Company (3), First Bank of the Lake (2), Seacoast National Bank (1), BMO Bank National Association (1), Arizona Financial Credit Union (1). Live Oak Banking Company made 30% of loans to buy daycares 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.
Request Engagement AssessmentAlex Lubyansky leads every engagement.
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Related
- All Arizona acquisitions
- Financing one? How to get an SBA loan to buy a child care center
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Small samples move a lot: each loan in this combination is 10% of the count. Industry is the NAICS code the lender recorded. See the methodology.
Cite this data
SBA Acquisition Data, "Child Care Services in Arizona: SBA acquisition loan data", https://sbaacquisitiondata.com/state/az/child-care-services-624410 (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/child-care-services-624410.json.