SBA loans by business type
SBA Loans for Home Health Care Agencies
SBA lenders funded 7,103 7(a) and 504 loans for home health care agencies since FY2010 (0.7% of all SBA lending in the data), totaling $3.0B, an average of $426K per loan. The most active lender is Live Oak Banking Company.
By Mario Bailey · Source: SBA FOIA data, FY2010–2026 (as of 2026-03-31)
These figures are computed from the SBA's public 7(a) and 504 funded-loan records for Home Health Care Services (NAICS 6216). They cover funded loans, not applications, so a lender's activity here is a track-record signal — not a guarantee you will be approved. Among the 7(a) loans, the charge-off rate is 3.8% — a relative track-record signal, not a lifetime default rate (504 charge-offs are not reported in the SBA data); see our methodology. Estimate a payment with the SBA loan calculator, or check the basics with the eligibility checker.
Top SBA lenders in Health Care and Social Assistance, the sector that includes home health care agencies
Ranked by SBA loans funded across Health Care and Social Assistance (NAICS 62), the full sector that contains Home Health Care Services (NAICS 6216). The sector is broader than home health care agencies alone, and sector level is the granularity our per-lender track-record data supports, so every figure below, including the 7(a) charge-off rate, is sector-wide, not specific to home health care agencies. Charge-off is reported on 7(a) loans, never on 504 loans, so a lender without a reliable 7(a) sample in the sector shows “not reported,” never 0%. A lender active in your situation is a good place to start; talk to a few before you apply.
| # | Lender | Loans | Total funded | Average loan | 7(a) charge-off |
|---|---|---|---|---|---|
| 1 | Wells Fargo Bank National Association | 6,550 | $3.5B | $539K | 2.81% |
| 2 | The Huntington National Bank | 5,946 | $2.0B | $330K | 2.02% |
| 3 | JPMorgan Chase Bank, National Association | 5,245 | $1.1B | $214K | 3.70% |
| 4 | Live Oak Banking Company | 3,436 | $5.0B | $1.5M | 1.28% |
| 5 | U.S. Bank, National Association | 2,940 | $1.3B | $440K | 2.01% |
| 6 | PNC Bank, National Association | 2,740 | $1.5B | $544K | 3.69% |
| 7 | TD Bank, National Association | 1,996 | $597.3M | $299K | 3.66% |
| 8 | Manufacturers and Traders Trust Company | 1,950 | $273.6M | $140K | 4.36% |
| 9 | Celtic Bank Corporation | 1,394 | $774.2M | $555K | 6.46% |
| 10 | Newtek Bank, National Association | 1,332 | $607.6M | $456K | 0.00% |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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Top states for home health care agencies SBA loans
| State | Loans | Total volume |
|---|---|---|
| California | 983 | $549.8M |
| Texas | 810 | $340.5M |
| Florida | 504 | $228.0M |
| Ohio | 557 | $152.1M |
| Minnesota | 304 | $137.2M |
| Pennsylvania | 320 | $127.5M |
| Illinois | 281 | $107.8M |
| Arizona | 187 | $103.4M |
| New York | 195 | $99.6M |
| Massachusetts | 252 | $89.8M |
SBA lending for home health care agencies by year
Funded SBA volume by approval fiscal year (FY2010–2026).
SBA loans for home health care agencies: frequently asked questions
Can you get an SBA loan for home health care agencies?
Yes. Lenders funded 7,103 SBA 7(a) and 504 loans for home health care agencies in the public data (as of 2026-03-31), 0.7% of all SBA lending, totaling $3.0B.
How much is a typical SBA loan for home health care agencies?
The average SBA loan for home health care agencies is $426K, across 7,103 funded loans. Your amount depends on use of funds, cash flow, and the lender.
Which SBA lenders fund home health care agencies?
Live Oak Banking Company, Wells Fargo Bank National Association, The Huntington National Bank are among the most active SBA lenders for home health care agencies by funded volume. A lender that regularly funds your situation is more likely to understand the deal.