Child Care Services acquisitions in Missouri: SBA loan data
Since FY2018, SBA lenders have approved 15 7(a) loans to buy an existing business classified as Child Care Services in Missouri, totaling $8.7M. The median loan was $495,000. That is 1.4% of the 1,098 acquisition loans in Missouri.
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How this compares
The median Child Care Services loan in Missouri is 15% lower than the $580,000 median for all Missouri acquisitions, and 35% lower 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 2.9% of seasoned Missouri acquisition loans of any type.
Child Care Services acquisition loans in Missouri by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 0 | $0 | - | |
| FY2019 | 3 | $1.3M | $351,000 | |
| FY2020 | 2 | $1.7M | $870,000 | |
| FY2021 | 3 | $1.8M | $495,000 | |
| FY2022 | 1 | $409K | $409,000 | |
| FY2023 | 3 | $1.6M | $720,000 | |
| FY2024 | 1 | $990K | $990,000 | |
| FY2025 | 1 | $635K | $635,000 | |
| FY2026 | 1 | $200K | $200,000 |
How often do these acquisition loans fail?
Fewer than 20 Child Care Services in Missouri 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.
Terms signed in the LOI shape the purchase agreement that follows.
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Top lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Wells Fargo Bank National Association | 2 | 13.3% | $1.7M | |
| 2 | Midwest Regional Bank | 2 | 13.3% | $737K | |
| 3 | Southern Bank | 1 | 6.7% | $1.1M | |
| 4 | The Bank of Houston | 1 | 6.7% | $990K | |
| 5 | OakStar Bank | 1 | 6.7% | $721K |
Top franchise brands
| # | Franchise | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | The Goddard School | 1 | 6.7% | $720K |
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Questions buyers ask
How much do SBA loans for Child Care Services acquisitions in Missouri run?
The median SBA 7(a) loan was $495,000 across 15 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 Missouri?
Wells Fargo Bank National Association (2), Midwest Regional Bank (2), Southern Bank (1), The Bank of Houston (1), OakStar Bank (1).
How often do Child Care Services acquisition loans fail in Missouri?
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 Missouri?
1 of the 15 loans (7%) involved a franchise brand, most often The Goddard School (1).
Seller note standby terms and third-party consents are reviewed before closing.
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Small samples move a lot: each loan in this combination is 7% of the count. Industry is the NAICS code the lender recorded. See the methodology.