How much do SBA lenders typically lend to a home health care services business?

The median SBA approval in NAICS 621610 is $166,000, with the middle 80% of loans between $25,000 and $1,113,000. Across all industries the median is $180,000.

Which lenders are most active in home health care services?

By dollars approved: Live Oak Banking Company, Wells Fargo Bank, The Huntington National Bank, Byline Bank, U.S. Bank. A lender's experience in your NAICS code matters - underwriters who have seen a hundred deals like yours ask better questions and move faster.

Is home health care services considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 7.9% were charged off, versus 7.6% across all SBA lending. That is close to average.

NAICS 621610 · Health Care

SBA loans for home health care services

7,245 SBA loans worth $3.11B have been approved in this industry since FY2010 - the #29 most-financed NAICS code in the country.

Median loan

$166,000

-8% vs all industries

Typical range

$25K-$1.1M

Middle 80%

Median rate

7.25%

7(a) initial note rate

Median term

10 yr

Charge-off rate

7.9%

vs 7.6% all industries

Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.

Lenders

Most active in this industry

Lender	Loans	Approved
Live Oak Banking Company	348	$328.3M
Wells Fargo Bank	505	$160.5M
The Huntington National Bank	737	$157.0M
Byline Bank	88	$112.3M
U.S. Bank	252	$104.5M
Newtek Bank	153	$83.1M
Associated Bank	156	$80.2M
JPMorgan Chase Bank	388	$78.2M
Newtek Small Business Finance, Inc.	103	$61.8M
CIBC Bank USA	91	$45.9M

Geography

Where these loans were made

State	Loans	Share
California	1,003
Texas	824
Ohio	566
Florida	512
Pennsylvania	329
Minnesota	308
Michigan	292
Illinois	283

Approvals by fiscal year

’10

’11

’12

’13

’14

’15

’16

’17

’18

’19

’20

’21

’22

’23

’24

’25

’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
15%
$50K - $150K
26%
$150K - $350K
26%
$350K - $1M
21%
$1M - $2M
7%
Over $2M
4%

Nearby

Other health care industries

See the sector

Offices of Dentists18,185 · $405,000 Offices of Physicians15,804 · $270,000 Child Care Services15,205 · $387,000 Offices of Chiropractors9,664 · $125,950 Offices of All Other Miscellaneous Health Practitioners5,784 · $150,000 Offices of Physical, Occupational and Speech Therapists, and Audiologists5,730 · $145,000 Offices of Mental Health Practitioners4,139 · $135,000 Assisted Living Facilities for the Elderly3,629 · $700,000

Common questions

How much do SBA lenders typically lend to a home health care services business?: The median SBA approval in NAICS 621610 is $166,000, with the middle 80% of loans between $25,000 and $1,113,000. Across all industries the median is $180,000.
Which lenders are most active in home health care services?: By dollars approved: Live Oak Banking Company, Wells Fargo Bank, The Huntington National Bank, Byline Bank, U.S. Bank. A lender's experience in your NAICS code matters - underwriters who have seen a hundred deals like yours ask better questions and move faster.
Is home health care services considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 7.9% were charged off, versus 7.6% across all SBA lending. That is close to average.

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