Child Care Services acquisitions in New York: SBA loan data

How Child Care Services in New York compares

The median for loans to buy daycares in New York is $810,350, well above the $577,500 median for all New York acquisitions, slightly above the $763,300 median for Child Care Services acquisitions nationwide and above the $645,250 median for all SBA-financed acquisitions nationally.

The middle half runs $455,000 to $1,387,625, 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 8.23%, above 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

Most loans to buy daycares in New York (69%) were under $1M, and the largest single band is $350K to under $1M at 44%, against 33% of all acquisition loans.

Bands are fixed dollar ranges chosen for comparison. They are not SBA program limits.

Lender concentration

The Huntington National Bank made 19% of loans to buy daycares in New York, and the top three lenders together made 50%. 2 of the 10 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, 6 loans to buy daycares in New York were approved. Fewer than 10 loans were approved in FY2023 and FY2024, so no change is computed. The median was $905,500, slightly above the $810,350 median across all years.

Child Care Services acquisition loans in New York by year

How often do these acquisition loans fail?

Fewer than 20 Child Care Services in New York 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.

Related

• All New York acquisitions
• Financing one? How to get an SBA loan to buy a child care center
• Child Care Services nationally
• Child Care Services in Florida
• Child Care Services in Texas
• Child Care Services in Georgia
• Child Care Services in California
• Child Care Services in New Jersey
• Child Care Services in Colorado
• Child Care Services in North Carolina
• Child Care Services in Pennsylvania
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Small samples move a lot: each loan in this combination is 6% of the count. Industry is the NAICS code the lender recorded. See the methodology.