Home Health Care Services acquisitions in Georgia: SBA loan data
Since FY2018, SBA lenders have approved 22 7(a) loans to buy an existing business classified as Home Health Care Services in Georgia, totaling $19.4M. The median loan was $612,500. That is 1.2% of the 1,774 acquisition loans in Georgia.
The purchase agreement decides what you bought, not the loan approval.
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How Home Health Care Services in Georgia compares
| Measure | Home Health Care Services in... | Georgia, all industries | Home Health Care Services, nationwide | All acquisitions |
|---|---|---|---|---|
| Median loan | $612,500 | $875,000 | $700,000 | $645,250 |
| Middle half of loans | $131,550 to $981,025 | $379,175 to $1,904,700 | $308,000 to $1,385,000 | $283,000 to $1,465,000 |
| Average initial rate | 7.67% | 7.62% | 7.81% | 7.76% |
| Median term | 10 years | 10 years | 10 years | 10 years |
| Charge-off rate (seasoned loans) | n/a | 3.2% | 1.8% | 3.5% |
| Loans in sample | 22 | 1,774 | 649 | 48,902 |
The median for Home Health Care Services acquisition loans in Georgia is $612,500, below the $875,000 median for all Georgia acquisitions, slightly below the $700,000 median for Home Health Care Services acquisitions nationwide and slightly below the $645,250 median for all SBA-financed acquisitions nationally.
The middle half runs $131,550 to $981,025, 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 7.67%, in line with 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 | Home Health Care Services in... | All acquisitions |
|---|---|---|
| Under $350K | 41% | 30% |
| $350K to under $1M | 32% | 33% |
| $1M to under $2M | 14% | 19% |
| $2M and over | 14% | 17% |
Most Home Health Care Services acquisition loans in Georgia (73%) were under $1M, and the largest single band is Under $350K at 41%, against 30% 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 55% of Home Health Care Services acquisition loans in Georgia, and the top three lenders together made 77%. 2 of the 8 lenders involved made three or more. Only 2 lenders have 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, 5 Home Health Care Services acquisition loans in Georgia were approved. Fewer than 10 loans were approved in FY2023 and FY2024, so no change is computed. The median was $1,225,000, well above the $612,500 median across all years.
Home Health Care Services acquisition loans in Georgia by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 2 | $1.1M | $568,700 | |
| FY2019 | 4 | $1.1M | $250,600 | |
| FY2020 | 1 | $1.1M | $1,071,000 | |
| FY2021 | 5 | $4.8M | $660,000 | |
| FY2022 | 0 | $0 | - | |
| FY2023 | 4 | $1.8M | $440,800 | |
| FY2024 | 1 | $281K | $281,200 | |
| FY2025 | 1 | $1M | $1,014,700 | |
| FY2026 | 4 | $8.1M | $1,982,500 |
How often do these acquisition loans fail?
Fewer than 20 Home Health Care Services in Georgia 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.
Seller note standby terms and third-party consents are reviewed before closing.
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Top lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | 12 | 54.5% | $7.6M | |
| 2 | CIBC Bank USA | 4 | 18.2% | $2.2M | |
| 3 | Associated Bank National Association | 1 | 4.5% | $4.1M | |
| 4 | First National Community Bank | 1 | 4.5% | $3.1M | |
| 5 | SouthState Bank, National Association | 1 | 4.5% | $1M |
Top franchise brands
| # | Franchise | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Home Instead | 6 | 27.3% | $5.9M | |
| 2 | Senior Helpers | 4 | 18.2% | $2.2M | |
| 3 | BrightStar Care | 4 | 18.2% | $2M | |
| 4 | Interim HealthCare | 2 | 9.1% | $950K | |
| 5 | Homewatch CareGivers | 1 | 4.5% | $2.7M |
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 Home Health Care Services acquisitions in Georgia run?
The median SBA 7(a) loan was $612,500 across 22 loans (FY2018 to FY2026), with the middle half between $131,550 and $981,025. 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 Georgia?
Live Oak Banking Company (12), CIBC Bank USA (4), Associated Bank National Association (1), First National Community Bank (1), SouthState Bank, National Association (1). 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 Georgia?
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 Home Health Care Services acquisitions in Georgia?
18 of the 22 loans (82%) involved a franchise brand, most often Home Instead (6).
How much do you need down for an SBA loan to buy a Home Health Care Services business in Georgia?
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 Georgia was $612,500, and the middle half ran $131,550 to $981,025.
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 5 Home Health Care Services acquisition loans in Georgia in FY2025 and FY2026.
Which banks make SBA loans for a Home Health Care Services business in Georgia?
By loan count, FY2018 to FY2026: Live Oak Banking Company (12), CIBC Bank USA (4), Associated Bank National Association (1), First National Community Bank (1), SouthState Bank, National Association (1). Live Oak Banking Company made 55% of Home Health Care Services acquisition loans in Georgia. 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
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Small samples move a lot: each loan in this combination is 5% 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 Georgia: SBA acquisition loan data", https://sbaacquisitiondata.com/state/ga/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/ga/home-health-care-services-621610.json.