Home Health Care Services acquisitions in California: SBA loan data
Since FY2018, SBA lenders have approved 76 7(a) loans to buy an existing business classified as Home Health Care Services in California, totaling $79.7M. The median loan was $745,000. That is 1.5% of the 5,184 acquisition loans in California.
- Loans, FY2018-FY2026
- 76
- Median loan
- $745,000 (middle half $425,500 to $1,390,750)
- Top lender
- Live Oak Banking Company (34%, 26 loans)
- Charge-off, FY2018-FY2021 loans
- 2.9% (all-acquisition: 3.5%)
- FY2026 loans (latest complete year)
- 7 (-42% vs FY2025)
SBA lenders approved 76 7(a) loans to buy a business classified as Home Health Care Services in California from FY2018-FY2026, with a median of $745,000 and a middle half of $425,500 to $1,390,750. Live Oak Banking Company made 34% of them. FY2026 had 7 loans, down 42% from FY2025.
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How Home Health Care Services in California compares
| Measure | Home Health Care Services in... | California, all industries | Home Health Care Services, nationwide | All acquisitions |
|---|---|---|---|---|
| Median loan | $745,000 | $600,000 | $700,000 | $645,250 |
| Middle half of loans | $425,500 to $1,390,750 | $296,225 to $1,395,000 | $308,000 to $1,385,000 | $283,000 to $1,465,000 |
| Average initial rate | 8.08% | 7.87% | 7.81% | 7.76% |
| Median term | 10 years | 10 years | 10 years | 10 years |
| Charge-off rate (seasoned loans) | 2.9% | 4.1% | 1.8% | 3.5% |
| Loans in sample | 76 | 5,184 | 649 | 48,902 |
The median for Home Health Care Services acquisition loans in California is $745,000, above the $600,000 median for all California acquisitions, slightly above the $700,000 median for Home Health Care Services acquisitions nationwide and above the $645,250 median for all SBA-financed acquisitions nationally.
The middle half runs $425,500 to $1,390,750, against $283,000 to $1,465,000 nationally; the median term is 10 years, the same as the national median; the average initial rate is 8.08%, above the 7.76% national average.
Seasoned loans were charged off at 2.9%, below the 4.1% rate for all California acquisitions, well above the 1.8% rate for Home Health Care Services acquisitions nationwide and below the 3.5% rate for all acquisition loans.
Loan size distribution
| Loan size | Home Health Care Services in... | All acquisitions |
|---|---|---|
| Under $350K | 21% | 30% |
| $350K to under $1M | 43% | 33% |
| $1M to under $2M | 24% | 19% |
| $2M and over | 12% | 17% |
Most Home Health Care Services acquisition loans in California (64%) were under $1M, and the largest single band is $350K to under $1M at 43%, against 33% 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 34% of Home Health Care Services acquisition loans in California, and the top three lenders together made 45%. 7 of the 31 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, 19 Home Health Care Services acquisition loans in California were approved. That is about the same as the 19 approved in FY2023 and FY2024. The median was $700,000, slightly below the $745,000 median across all years.
Home Health Care Services acquisition loans in California by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 6 | $3.4M | $527,300 | |
| FY2019 | 10 | $11.4M | $815,000 | |
| FY2020 | 8 | $6.1M | $703,150 | |
| FY2021 | 10 | $11.3M | $916,000 | |
| FY2022 | 4 | $7.7M | $1,912,500 | |
| FY2023 | 8 | $9.6M | $915,500 | |
| FY2024 | 11 | $9.7M | $540,500 | |
| FY2025 | 12 | $9.1M | $600,000 | |
| FY2026 | 7 | $11.3M | $750,000 |
How often do these acquisition loans fail?
Of the 34 Home Health Care Services in California acquisition loans approved from FY2018 to FY2021 (the seasoned cohort, every loan at least about five years old), 1 have been charged off by the SBA, a rate of 2.9% by loan count and 1.4% by dollars. 15 have already been paid in full.
For comparison, the charge-off rate across all SBA 7(a) acquisition loans in the same cohort is 3.5%, so Home Health Care Services in California is 16% lower than the acquisition-loan average. 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 | 26 | 34.2% | $30.3M | |
| 2 | Associated Bank National Association | 4 | 5.3% | $6.7M | |
| 3 | Customers Bank | 4 | 5.3% | $4.2M | |
| 4 | CIBC Bank USA | 4 | 5.3% | $3.5M | |
| 5 | BMO Bank National Association | 3 | 3.9% | $3.9M |
Top franchise brands
| # | Franchise | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Right at Home | 13 | 17.1% | $10.5M | |
| 2 | Home Instead | 6 | 7.9% | $5.1M | |
| 3 | Interim HealthCare | 3 | 3.9% | $7.2M | |
| 4 | Senior Helpers | 3 | 3.9% | $1.3M | |
| 5 | Amada Senior Care | 2 | 2.6% | $3.9M |
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Questions buyers ask
How much do SBA loans for Home Health Care Services acquisitions in California run?
The median SBA 7(a) loan was $745,000 across 76 loans (FY2018 to FY2026), with the middle half between $425,500 and $1,390,750. 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 Home Health Care Services acquisitions in California?
Live Oak Banking Company (26), Associated Bank National Association (4), Customers Bank (4), CIBC Bank USA (4), BMO Bank National Association (3). Some lenders repeatedly finance this industry in this state; the counts above show which.
How often do Home Health Care Services acquisition loans fail in California?
2.9% of 34 seasoned loans (FY2018 to FY2021) were charged off, against 3.5% 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 Home Health Care Services acquisitions in California?
34 of the 76 loans (45%) involved a franchise brand, most often Right at Home (13).
How much do you need down for an SBA loan to buy a Home Health Care Services business in California?
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 Home Health Care Services acquisition loans in California was $745,000, and the middle half ran $425,500 to $1,390,750.
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 19 Home Health Care Services acquisition loans in California in FY2025 and FY2026.
Which banks make SBA loans for a Home Health Care Services business in California?
By loan count, FY2018 to FY2026: Live Oak Banking Company (26), Associated Bank National Association (4), Customers Bank (4), CIBC Bank USA (4), BMO Bank National Association (3). Live Oak Banking Company made 34% of Home Health Care Services acquisition loans in California. Counts show past approvals only and do not predict whether a lender will approve a particular deal.
Seller note standby terms and third-party consents are reviewed before closing.
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Related
- All California acquisitions
- Financing one? How to get an SBA loan to buy a home health agency
- Home Health Care Services nationally
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- Home Health Care Services in Florida
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- Home Health Care Services in Ohio
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Small samples move a lot: each loan in this combination is 1% of the count. Industry is the NAICS code the lender recorded. See the methodology.
Cite this data
SBA Acquisition Data, "Home Health Care Services in California: SBA acquisition loan data", https://sbaacquisitiondata.com/state/ca/home-health-care-services-621610 (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/ca/home-health-care-services-621610.json.