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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 | Share |
|---|---|---|---|
| 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 |
An SBA 7(a) lender for loans this size
67% of the SBA loans approved in home health care services since FY2010 were under $350,000. SmartBiz makes SBA 7(a) loans up to $500,000. It is shown here as a separate, labelled option, outside the data rankings on this page. You apply on their site - we do not take applications and never see your information.
Check options with SmartBizWe may be paid if you apply through this link. It does not change what we publish, and no lender can buy a place in our rankings. Details.
Approvals by fiscal year
Loan count. Final bar is a partial fiscal year.
Loan sizes
- Under $50K15%
- $50K - $150K26%
- $150K - $350K26%
- $350K - $1M21%
- $1M - $2M7%
- Over $2M4%
Franchise brands in Home Health Care Services
| Franchise brand | Loans | Approved | Share |
|---|---|---|---|
| Home Instead | 184 | $127.9M | |
| Home Instead Senior Care | 151 | $76.6M | |
| Right at Home | 139 | $69.5M | |
| Senior Helpers | 116 | $56.5M | |
| Visiting Angels | 112 | $61.6M | |
| BrightStar Care | 105 | $56.1M | |
| Comfort Keepers | 74 | $49.8M | |
| Bright Star Healthcare | 61 | $14.1M | |
| SYNERGY HomeCare | 60 | $18.3M | |
| Nurse Next Door | 53 | $8.6M |
Brands with the most SBA loans recorded under this NAICS code, among brands with at least 10 loans in the file.
Nearby
Other health care industries
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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