Home Health Care Services acquisitions in Texas: SBA loan data
Since FY2018, SBA lenders have approved 76 7(a) loans to buy an existing business classified as Home Health Care Services in Texas, totaling $82M. The median loan was $632,200. That is 1.9% of the 4,080 acquisition loans in Texas.
- Loans, FY2018-FY2026
- 76
- Median loan
- $632,200 (middle half $339,300 to $1,241,150)
- Top lender
- Live Oak Banking Company (33%, 25 loans)
- Charge-off, FY2018-FY2021 loans
- 2.8% (all-acquisition: 3.5%)
- FY2026 loans (latest complete year)
- 6
SBA lenders approved 76 7(a) loans to buy a business classified as Home Health Care Services in Texas from FY2018-FY2026, with a median of $632,200 and a middle half of $339,300 to $1,241,150. Live Oak Banking Company made 33% of them. FY2026 had 6 loans.
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How Home Health Care Services in Texas compares
| Measure | Home Health Care Services in Texas | Texas, all industries | Home Health Care Services, nationwide | All acquisitions |
|---|---|---|---|---|
| Median loan | $632,200 | $870,000 | $700,000 | $645,250 |
| Middle half of loans | $339,300 to $1,241,150 | $384,025 to $1,883,250 | $308,000 to $1,385,000 | $283,000 to $1,465,000 |
| Average initial rate | 7.72% | 7.78% | 7.81% | 7.76% |
| Median term | 10 years | 10 years | 10 years | 10 years |
| Charge-off rate (seasoned loans) | 2.8% | 4.8% | 1.8% | 3.5% |
| Loans in sample | 76 | 4,080 | 649 | 48,902 |
The median for Home Health Care Services acquisition loans in Texas is $632,200, below the $870,000 median for all Texas acquisitions, slightly below 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 $339,300 to $1,241,150, 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 7.72%, in line with the 7.76% national average.
Seasoned loans were charged off at 2.8%, well below the 4.8% rate for all Texas acquisitions, well above the 1.8% rate for Home Health Care Services acquisitions nationwide and below the 3.5% rate for all acquisition loans.
Loan size distribution
| Loan size | Home Health Care Services in Texas | All acquisitions |
|---|---|---|
| Under $350K | 26% | 30% |
| $350K to under $1M | 42% | 33% |
| $1M to under $2M | 14% | 19% |
| $2M and over | 17% | 17% |
Most Home Health Care Services acquisition loans in Texas (68%) were under $1M, and the largest single band is $350K to under $1M at 42%, against 33% 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 33% of Home Health Care Services acquisition loans in Texas, and the top three lenders together made 49%. 5 of the 31 lenders involved made three or more. Repeat experience is spread across many banks. That is a rough guide to how many banks have seen this kind of deal before.
Recent activity
In FY2025 and FY2026 combined, 11 Home Health Care Services acquisition loans in Texas were approved. That is 48% fewer than the 21 approved in FY2023 and FY2024. The median was $875,000, above the $632,200 median across all years.
Home Health Care Services acquisition loans in Texas by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 6 | $2.2M | $295,550 | |
| FY2019 | 8 | $6.8M | $530,500 | |
| FY2020 | 13 | $14.4M | $820,000 | |
| FY2021 | 9 | $7.6M | $599,000 | |
| FY2022 | 8 | $11.1M | $662,000 | |
| FY2023 | 5 | $7.8M | $660,000 | |
| FY2024 | 16 | $13.1M | $726,200 | |
| FY2025 | 5 | $8.6M | $542,000 | |
| FY2026 | 6 | $10.5M | $1,067,900 |
How often do these acquisition loans fail?
Of the 36 Home Health Care Services in Texas acquisition loans approved from FY2018 to FY2021 (the seasoned cohort, every loan at least about five years old), 1 have been charged off by the SBA, a rate of 2.8% by loan count and 1.6% by dollars. 17 have already been paid in full.
For comparison, the charge-off rate across all SBA 7(a) acquisition loans in the same cohort is 3.5%, so Home Health Care Services in Texas is 21% lower than the acquisition-loan average. 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 Banking Company | 25 | 32.9% | $29.4M | |
| 2 | Byline Bank | 7 | 9.2% | $12.1M | |
| 3 | Associated Bank National Association | 5 | 6.6% | $3.2M | |
| 4 | CIBC Bank USA | 4 | 5.3% | $1.4M | |
| 5 | The Huntington National Bank | 3 | 3.9% | $3.3M |
Top franchise brands
| # | Franchise | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Home Instead | 12 | 15.8% | $7.1M | |
| 2 | Senior Helpers | 4 | 5.3% | $1.4M | |
| 3 | Right at Home | 3 | 3.9% | $1.8M | |
| 4 | BrightStar Care | 2 | 2.6% | $5.5M | |
| 5 | Homewatch CareGivers | 2 | 2.6% | $1.4M |
The purchase agreement decides what you bought, not the loan approval.
Request Engagement AssessmentAlex Lubyansky leads every engagement.
Questions buyers ask
How much do SBA loans for Home Health Care Services acquisitions in Texas run?
The median SBA 7(a) loan was $632,200 across 76 loans (FY2018 to FY2026), with the middle half between $339,300 and $1,241,150. 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 Texas?
Live Oak Banking Company (25), Byline Bank (7), Associated Bank National Association (5), CIBC Bank USA (4), The Huntington National Bank (3). 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 Texas?
2.8% of 36 seasoned loans (FY2018 to FY2021) were charged off, against 3.5% 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 Texas?
32 of the 76 loans (42%) involved a franchise brand, most often Home Instead (12).
How much do you need down for an SBA loan to buy a Home Health Care Services business in Texas?
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 Texas was $632,200, and the middle half ran $339,300 to $1,241,150.
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 11 Home Health Care Services acquisition loans in Texas in FY2025 and FY2026.
Which banks make SBA loans for a Home Health Care Services business in Texas?
By loan count, FY2018 to FY2026: Live Oak Banking Company (25), Byline Bank (7), Associated Bank National Association (5), CIBC Bank USA (4), The Huntington National Bank (3). Live Oak Banking Company made 33% of Home Health Care Services acquisition loans in Texas. Counts show past approvals only and do not predict whether a lender will approve a particular deal.
The purchase agreement decides what you bought, not the loan approval.
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Related
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Small samples move a lot: each loan in this combination is 1% 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 Texas: SBA acquisition loan data", https://sbaacquisitiondata.com/state/tx/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/tx/home-health-care-services-621610.json.