Child Care Services acquisitions in Maryland: SBA loan data
Since FY2018, SBA lenders have approved 13 7(a) loans to buy an existing business classified as Child Care Services in Maryland, totaling $15.1M. The median loan was $970,000. That is 1.9% of the 679 acquisition loans in Maryland.
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How this compares
The median Child Care Services loan in Maryland is 49% higher than the $653,000 median for all Maryland acquisitions, and 27% higher than the $763,300 median for Child Care Services acquisitions nationwide (850 loans).
This combination has too few seasoned loans for a reliable charge-off rate. Nationally, 0.8% of seasoned Child Care Services acquisition loans were charged off, and 5.4% of seasoned Maryland acquisition loans of any type.
Child Care Services acquisition loans in Maryland by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 2 | $521K | $260,300 | |
| FY2019 | 2 | $1.6M | $781,500 | |
| FY2020 | 3 | $5M | $1,564,500 | |
| FY2021 | 1 | $451K | $451,000 | |
| FY2022 | 4 | $5.7M | $1,149,500 | |
| FY2023 | 0 | $0 | - | |
| FY2024 | 0 | $0 | - | |
| FY2025 | 0 | $0 | - | |
| FY2026 | 1 | $1.9M | $1,935,000 |
How often do these acquisition loans fail?
Fewer than 20 Child Care Services in Maryland 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 | Capital Bank, National Association | 2 | 15.4% | $2.5M | |
| 2 | First National Bank of Pennsylvania | 2 | 15.4% | $987K | |
| 3 | Banc of California | 1 | 7.7% | $2.8M | |
| 4 | Manufacturers and Traders Trust Company | 1 | 7.7% | $2.5M | |
| 5 | Byline Bank | 1 | 7.7% | $1.9M |
Top franchise brands
| # | Franchise | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | The Goddard School | 2 | 15.4% | $5.3M | |
| 2 | Kiddie Academy | 2 | 15.4% | $969K |
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Questions buyers ask
How much do SBA loans for Child Care Services acquisitions in Maryland run?
The median SBA 7(a) loan was $970,000 across 13 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 Maryland?
Capital Bank, National Association (2), First National Bank of Pennsylvania (2), Banc of California (1), Manufacturers and Traders Trust Company (1), Byline Bank (1).
How often do Child Care Services acquisition loans fail in Maryland?
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 Maryland?
4 of the 13 loans (31%) involved a franchise brand, most often The Goddard School (2).
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Submit Transaction DetailsAlex Lubyansky leads every engagement.
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Small samples move a lot: each loan in this combination is 8% of the count. Industry is the NAICS code the lender recorded. See the methodology.