SBA Loans for Home Instead Franchises
Who actually funds Home Instead SBA 7(a) deals, and how much they lend. Sourced directly from SBA FOIA records covering every approved 7(a) loan from 2021 to 2026.
Top lenders funding Home Instead SBA loans
Ranked by number of Home Instead 7(a) loans approved since 2021.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | Live Oak Banking Company | 50 | $56.6M | $1.1M |
| 2 | Associated Bank National Association | 47 | $24.0M | $511K |
| 3 | The Huntington National Bank | 7 | $3.6M | $518K |
| 4 | Arbor Bank | 6 | $5.8M | $963K |
| 5 | Byline Bank | 5 | $4.6M | $920K |
| 5 | First Commonwealth Bank | 5 | $2.3M | $468K |
| 7 | First National Bank of Pennsylvania | 3 | $4.3M | $1.4M |
| 7 | U.S. Bank, National Association | 3 | $1.3M | $442K |
| 9 | Frost Bank | 2 | $294K | $147K |
| 9 | HomeTrust Bank | 2 | $1.5M | $745K |
| 9 | Manufacturers and Traders Trust Company | 2 | $975K | $488K |
| 9 | Old National Bank | 2 | $1.7M | $859K |
| 9 | CDC Small Business Finance Corp. | 2 | $350K | $175K |
| 9 | CIBC Bank USA | 2 | $274K | $137K |
| 9 | DFCU Financial | 2 | $5.2M | $2.6M |
| 9 | First Internet Bank of Indiana | 2 | $1.6M | $781K |
| 9 | Gulf Coast Bank and Trust Company | 2 | $1.9M | $962K |
Source: SBA FOIA 7(a) loan-level data, 2021 to 2026. Shows lenders with at least one approved Home Instead loan in this period, ranked by loan count.
Home Instead SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| FL | 13 | $15.2M | $1.2M |
| OH | 9 | $13.4M | $1.5M |
| CA | 20 | $13.3M | $665K |
| TX | 20 | $12.1M | $603K |
| KY | 4 | $7.6M | $1.9M |
| MD | 4 | $6.5M | $1.6M |
| NC | 4 | $6.4M | $1.6M |
| CO | 8 | $6.2M | $773K |
| PA | 10 | $5.9M | $590K |
| GA | 5 | $5.8M | $1.2M |
| KS | 3 | $5.2M | $1.7M |
| TN | 2 | $5.0M | $2.5M |
| AZ | 5 | $4.7M | $947K |
| VA | 3 | $4.3M | $1.4M |
| IL | 4 | $2.7M | $687K |
Home Instead SBA loans by year
How Home Instead SBA loans have performed
Outcomes for every funded Home Instead 7(a) loan approved since FY2010. Each SBA loan usually finances one location, so read these as an estimate of units.
Source: SBA FOIA 7(a) loan-level data. Defaulted means the SBA purchased the guaranty (charged off, or purchased and not yet charged off). Recent loans have had less time to default, and small loan counts swing widely, so one or two loans can move these percentages a lot.
How to use this
The lenders above have actually closed SBA 7(a) loans for Home Instead franchisees, so they already understand the brand's model, unit economics, and franchise agreement. That familiarity usually means a faster, cleaner underwrite than a lender seeing the concept for the first time.
A lender being active historically doesn't mean they're the right fit for your deal size, location, or timing right now. That's where we come in, and we match your Home Instead deal to a lender currently funding this brand.
Financing a Home Instead franchise?
We know which lenders are actively funding Home Instead deals right now and which fit your loan size and location. Pre-qualify and we'll find your match (free to borrowers).