Home Health Care Services acquisitions in Florida: SBA loan data
Since FY2018, SBA lenders have approved 58 7(a) loans to buy an existing business classified as Home Health Care Services in Florida, totaling $61.8M. The median loan was $667,500. That is 1.6% of the 3,624 acquisition loans in Florida.
- Loans, FY2018-FY2026
- 58
- Median loan
- $667,500 (middle half $317,500 to $1,347,050)
- Top lender
- Live Oak Bank (41%, 24 loans)
- Charge-off, FY2018-FY2021 loans
- 0.0% (all-acquisition: 3.5%)
- FY2026 loans (latest complete year)
- 10
SBA lenders approved 58 7(a) loans to buy a business classified as Home Health Care Services in Florida from FY2018-FY2026, with a median of $667,500 and a middle half of $317,500 to $1,347,050. None of 24 seasoned loans were charged off, against the 3.5% all-acquisition rate. FY2026 had 10 loans.
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How Home Health Care Services in Florida compares
| Measure | Home Health Care Services in... | Florida, all industries | Home Health Care Services, nationwide | All acquisitions |
|---|---|---|---|---|
| Median loan | $667,500 | $751,700 | $700,000 | $645,250 |
| Middle half of loans | $317,500 to $1,347,050 | $350,000 to $1,584,250 | $308,000 to $1,385,000 | $283,000 to $1,465,000 |
| Average initial rate | 7.79% | 8.14% | 7.81% | 7.76% |
| Median term | 10 years | 10 years | 10 years | 10 years |
| Charge-off rate (seasoned loans) | 0.0% | 5.7% | 1.8% | 3.5% |
| Loans in sample | 58 | 3,624 | 649 | 48,902 |
The median for Home Health Care Services acquisition loans in Florida is $667,500, slightly below the $751,700 median for all Florida acquisitions, in line with the $700,000 median for Home Health Care Services acquisitions nationwide and in line with the $645,250 median for all SBA-financed acquisitions nationally.
The middle half runs $317,500 to $1,347,050, 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 7.79%, in line with the 7.76% national average.
None of the seasoned loans were charged off, against 5.7% for all Florida acquisitions, 1.8% for Home Health Care Services acquisitions nationwide and 3.5% for all acquisition loans.
Loan size distribution
| Loan size | Home Health Care Services in... | All acquisitions |
|---|---|---|
| Under $350K | 29% | 30% |
| $350K to under $1M | 34% | 33% |
| $1M to under $2M | 21% | 19% |
| $2M and over | 16% | 17% |
Most Home Health Care Services acquisition loans in Florida (64%) were under $1M, and the largest single band is $350K to under $1M at 34%, against 33% of all acquisition loans.
Bands are fixed dollar ranges chosen for comparison. They are not SBA program limits.
Lender concentration
Live Oak Bank made 41% of Home Health Care Services acquisition loans in Florida, and the top three lenders together made 52%. 4 of the 23 lenders involved made three or more. A few banks carry most of the volume. 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 Florida were approved. That is 90% more than the 10 approved in FY2023 and FY2024. The median was $880,000, above the $667,500 median across all years.
Home Health Care Services acquisition loans in Florida by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 2 | $925K | $462,250 | |
| FY2019 | 4 | $6.8M | $806,250 | |
| FY2020 | 8 | $6.4M | $854,800 | |
| FY2021 | 10 | $11M | $525,950 | |
| FY2022 | 5 | $6.1M | $606,000 | |
| FY2023 | 2 | $1.5M | $730,000 | |
| FY2024 | 8 | $5.3M | $430,500 | |
| FY2025 | 9 | $10.5M | $1,135,000 | |
| FY2026 | 10 | $13.5M | $854,000 |
How often do these acquisition loans fail?
Of the 24 Home Health Care Services in Florida 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. 17 have already been paid in full.
For comparison, Home Health Care Services in Florida 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 | Live Oak Bank | 24 | 41.4% | $22.7M | |
| 2 | Beacon Bank and Trust | 3 | 5.2% | $4.3M | |
| 3 | First Internet Bank | 3 | 5.2% | $3.1M | |
| 4 | Wells Fargo | 3 | 5.2% | $1.6M | |
| 5 | VelocitySBA | 2 | 3.4% | $1.6M |
Top franchise brands
| # | Franchise | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Home Instead | 8 | 13.8% | $8.8M | |
| 2 | Right at Home | 5 | 8.6% | $5.1M | |
| 3 | Always Best Care Services | 4 | 6.9% | $2.6M | |
| 4 | BrightStar Care | 2 | 3.4% | $2M | |
| 5 | Visiting Angels | 2 | 3.4% | $1.7M |
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Questions buyers ask
How much do SBA loans for Home Health Care Services acquisitions in Florida run?
The median SBA 7(a) loan was $667,500 across 58 loans (FY2018 to FY2026), with the middle half between $317,500 and $1,347,050. 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 Florida?
Live Oak Bank (24), Beacon Bank and Trust (3), First Internet Bank (3), Wells Fargo (3), VelocitySBA (2). 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 Florida?
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 Home Health Care Services acquisitions in Florida?
22 of the 58 loans (38%) involved a franchise brand, most often Home Instead (8).
How much do you need down for an SBA loan to buy a Home Health Care Services business in Florida?
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 Florida was $667,500, and the middle half ran $317,500 to $1,347,050.
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 Florida in FY2025 and FY2026.
Which banks make SBA loans for a Home Health Care Services business in Florida?
By loan count, FY2018 to FY2026: Live Oak Bank (24), Beacon Bank and Trust (3), First Internet Bank (3), Wells Fargo (3), VelocitySBA (2). Live Oak Bank made 41% of Home Health Care Services acquisition loans in Florida. 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 Florida acquisitions
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- Home Health Care Services nationally
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- Home Health Care Services in California
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- Home Health Care Services in Ohio
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- Home Health Care Services in Massachusetts
- Home Health Care Services in Illinois
- Home Health Care Services in Virginia
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Small samples move a lot: each loan in this combination is 2% 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 Florida: SBA acquisition loan data", https://sbaacquisitiondata.com/state/fl/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/fl/home-health-care-services-621610.json.