SBA by industry · NAICS 6244
SBA lenders for child care businesses
457 lenders made at least one SBA loan to child care businesses in the 36 months ending September 30, 2026. The Huntington National Bank made the most, with 195 of the 2,878 on record.
- Evidence
- SBA 7(a) and 504 first-lien loans, 36 months ending September 30, 2026
- Data as of
- SBA, September 30, 2026
- Page last changed
- November 12, 2026
- Lenders on record
- 457
- SBA FOIA,
- SBA loans, 36 months
- 2,878
- SBA FOIA,
- 7(a) net of cancelled; 504 funded first liens
- Dollars, 36 months
- $2.53B
- SBA FOIA,
- Typical loan
- $460K
- SBA FOIA,
Cite this
Source: The Lender Report, SBA lenders for child care businesses, https://lender.report/sba-lenders-for/child-care/, data as of September 30, 2026.
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| Lender | Kind | Based in | Loans | Dollars | Last 12 months |
|---|---|---|---|---|---|
| The Huntington National Bank | Bank | Columbus, OH | 195 | $102M | 36 |
| Live Oak Banking Company | Bank | Wilmington, NC | 148 | $330M | 69 |
| TD Bank, National Association | Bank | Wilmington, DE | 116 | $69.3M | 16 |
| Readycap Lending, LLC | Non-bank | Berkeley Heights, NJ | 111 | $81.8M | 26 |
| Newtek Bank, National Association | Bank | Miami, FL | 88 | $38.1M | 29 |
| Bank of America, National Association | Bank | Charlotte, NC | 85 | $77.3M | 24 |
| Wells Fargo Bank, National Association | Bank | Sioux Falls, SD | 78 | $102M | 17 |
| Manufacturers and Traders Trust Company | Bank | Buffalo, NY | 77 | $13.8M | 37 |
| U.S. Bank National Association | Bank | Cincinnati, OH | 69 | $46.1M | 16 |
| Northeast Bank | Bank | Portland, ME | 65 | $9.27M | 15 |
| Celtic Bank | Bank | Salt Lake City, UT | 54 | $35.8M | 25 |
| First Bank of the Lake | Bank | Osage Beach, MO | 53 | $77.7M | 14 |
| Harvest Small Business Finance, LLC | Non-bank | Laguna Hills, CA | 53 | $52.4M | 14 |
| Byline Bank | Bank | Chicago, IL | 50 | $53.3M | 20 |
| Bank Five Nine | Bank | Oconomowoc, WI | 47 | $50.7M | 7 |
| Lendistry SBLC, LLC | Non-bank | Los Angeles, CA | 39 | $8.13M | 8 |
| JPMorgan Chase Bank, National Association | Bank | Columbus, OH | 37 | $10.8M | 9 |
| BayFirst National Bank | Bank | Saint Petersburg, FL | 36 | $7.26M | 1 |
| Regions Bank | Bank | Birmingham, AL | 33 | $46.0M | 9 |
| Zions Bancorporation, N.A. | Bank | Salt Lake City, UT | 27 | $12.3M | 14 |
| First National Bank of Pennsylvania | Bank | Greenville, PA | 24 | $27.6M | 6 |
| America First Credit Union | Credit union | Riverdale, UT | 21 | $30.8M | 5 |
| CDC Small Business Finance Corp. | Non-bank | San Diego, CA | 21 | $2.57M | 3 |
| Pinnacle Bank | Bank | Nashville, TN | 20 | $32.9M | 5 |
| Eastern Bank | Bank | Boston, MA | 20 | $2.62M | 4 |
Dollars are approval amounts, rounded to 2 significant figures per loan, net of cancelled approvals.
| State | Loans | Dollars |
|---|---|---|
| Texas | 343 | $451M |
| Florida | 268 | $250M |
| California | 265 | $229M |
| New York | 157 | $90.7M |
| Georgia | 145 | $176M |
| Pennsylvania | 144 | $126M |
| Ohio | 131 | $82.3M |
| Illinois | 125 | $87.2M |
| New Jersey | 104 | $94.6M |
| Massachusetts | 89 | $34.9M |
| North Carolina | 85 | $86.4M |
| Maryland | 76 | $66.2M |
| Wisconsin | 68 | $41.4M |
| Washington | 67 | $90.0M |
| Michigan | 64 | $25.6M |
| Industry | Loans |
|---|---|
| Child Care Services | 2,878 |
- SBA lenders recorded 2,878 loans to child care businesses totaling $2.5B in the 36 months ending September 30, 2026, excluding cancelled approvals. SBA FOIA,
- The five most active lenders made 22.9% of those loans. SBA FOIA,
- Banks and savings institutions made 2,374 of them, credit unions 115, and non-banks 338. SBA FOIA,
- 48 lenders recorded 10 or more of these loans. SBA FOIA,
- 12 of these loans were made by lenders that have since merged or closed, or that the file lists under a name with no lender record here. They are counted in the totals here and appear in no lender's row. SBA FOIA,
- The SBA file shows 932 approvals of these loans dated in the 12 months to September 30, 2026, versus 1,149 in the prior 12 months. Both counts leave out cancelled approvals and include 504 approvals not yet funded. SBA FOIA,
- The typical SBA loans to child care businesse in this group was about $460K, with the middle half between $130K and $1.1M. SBA FOIA,
- Lenders reported a median rate of 9.75% on 2,544 loans in this group, with the middle half between 8.50% and 10.75%. SBA FOIA,
- The median term in this group was 10 years. SBA FOIA,
- Texas (343), Florida (268), California (265) recorded the most of these loans. SBA FOIA,
- The most common detailed industry was Child Care Services (2,878 loans). SBA FOIA,
How this list is defined
- Measure
- SBA loans made to child care businesses
- Period
- October 2023 to September 2026
- Formula
- Count, by lender, of SBA 7(a) approvals and SBA 504 first liens, dated in the 36 months ending September 30, 2026 and not cancelled, whose NAICS code in the SBA file falls in NAICS 6244.
- Order
- Largest first by loans in the 36 months, then dollars, then name. Payment is not part of the order.
- As of
- September 30, 2026
- Source
- SBA FOIA
- Changelog
- : First published, with the data built on this date.
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Every loan counted here carried one of these NAICS codes in the SBA file. Loans are approvals, net of cancelled approvals. Lenders that merged or stopped filing are left out.
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Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.