SBA by industry · TX
SBA lenders for child care businesses in Texas
82 lenders made 343 SBA loans to child care businesses in Texas in the 36 months ending September 30, 2026. The Huntington National Bank made the most, with 32. The typical loan was about $610K.
- Evidence
- SBA 7(a) and 504 loans to child care businesses in Texas, NAICS 6244
- Data as of
- SBA, September 30, 2026
- Page last changed
- November 12, 2026
- Lenders on record
- 82
- SBA FOIA,
- SBA loans, 36 months
- 343
- SBA FOIA,
- 7(a) net of cancelled; 504 funded first liens
- Dollars, 36 months
- $451M
- SBA FOIA,
- Last 12 months
- 125
- SBA FOIA,
Cite this
Source: The Lender Report, SBA lenders for child care businesses in Texas, https://lender.report/sba-lenders-for/child-care/texas/, data as of September 30, 2026.
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| Lender | Kind | Based in | Loans | Dollars | 7(a) | 504 | Last 12 months |
|---|---|---|---|---|---|---|---|
| The Huntington National Bank SBA 7(a) record | Bank | Columbus, OH | 32 | $25.6M | 30 | 2 | 12 |
| Live Oak Banking Company SBA 7(a) record | Bank | Wilmington, NC | 25 | $83.2M | 25 | 0 | 14 |
| Readycap Lending, LLC SBA 7(a) record | Non-bank | Berkeley Heights, NJ | 16 | $24.4M | 16 | 0 | 2 |
| Wells Fargo Bank, National Association SBA 7(a) record | Bank | Sioux Falls, SD | 15 | $19.8M | 14 | 1 | 4 |
| Bank Five Nine SBA 7(a) record | Bank | Oconomowoc, WI | 14 | $14.1M | 11 | 3 | 4 |
| Regions Bank SBA 7(a) record | Bank | Birmingham, AL | 13 | $20.9M | 11 | 2 | 4 |
| First Bank of the Lake SBA 7(a) record | Bank | Osage Beach, MO | 11 | $17.6M | 10 | 1 | 2 |
| Bankwell Bank SBA 7(a) record | Bank | New Canaan, CT | 10 | $19.4M | 10 | 0 | 8 |
| Bank of America, National Association SBA 7(a) record | Bank | Charlotte, NC | 9 | $6.05M | 9 | 0 | 4 |
| Zions Bancorporation, N.A. SBA 7(a) record | Bank | Salt Lake City, UT | 9 | $2.04M | 8 | 1 | 5 |
| Byline Bank SBA 7(a) record | Bank | Chicago, IL | 8 | $6.89M | 8 | 0 | 3 |
| Newtek Bank, National Association SBA 7(a) record | Bank | Miami, FL | 8 | $6.62M | 8 | 0 | 1 |
| PlainsCapital Bank SBA 7(a) record | Bank | University Park, TX | 8 | $3.41M | 7 | 1 | 1 |
| Plains State Bank SBA 7(a) record | Bank | Humble, TX | 6 | $27.1M | 6 | 0 | 3 |
| T Bank, National Association SBA 7(a) record | Bank | Dallas, TX | 6 | $14.3M | 3 | 3 | 0 |
| The Bancorp Bank, National Association SBA 7(a) record | Bank | Sioux Falls, SD | 6 | $9.60M | 6 | 0 | 1 |
| JPMorgan Chase Bank, National Association SBA 7(a) record | Bank | Columbus, OH | 6 | $3.45M | 5 | 1 | 1 |
| Northeast Bank SBA 7(a) record | Bank | Portland, ME | 6 | $664K | 6 | 0 | 1 |
| U.S. Bank National Association SBA 7(a) record | Bank | Cincinnati, OH | 5 | $8.10M | 4 | 1 | 1 |
| Celtic Bank SBA 7(a) record | Bank | Salt Lake City, UT | 5 | $7.59M | 5 | 0 | 2 |
| Hancock Whitney Bank SBA 7(a) record | Bank | Gulfport, MS | 5 | $6.97M | 4 | 1 | 2 |
| Frost Bank SBA 7(a) record | Bank | San Antonio, TX | 5 | $6.81M | 5 | 0 | 1 |
| Prosperity Bank SBA 7(a) record | Bank | El Campo, TX | 5 | $5.02M | 3 | 2 | 0 |
| PeopleFund SBA 7(a) record | Non-bank | Austin, TX | 5 | $945K | 5 | 0 | 0 |
| BayFirst National Bank SBA 7(a) record | Bank | Saint Petersburg, FL | 5 | $835K | 5 | 0 | 0 |
Dollars are approval amounts, rounded to 2 significant figures per loan, net of cancelled approvals.
| Industry | Loans |
|---|---|
| Child Care Services | 343 |
| Loan size | Loans |
|---|---|
| Under $150K | 53 |
| $150K to $350K | 50 |
| $350K to $1M | 106 |
| $1M to $2.5M | 67 |
| $2.5M or more | 67 |
- SBA lenders recorded 343 loans to child care businesses totaling $450.6M in Texas in the 36 months ending September 30, 2026, excluding cancelled approvals. SBA FOIA,
- The typical loan was about $610K, with the middle half between $240K and $1.9M. SBA FOIA,
- 310 were SBA 7(a) loans and 33 were SBA 504 first liens. SBA FOIA,
- SBA 7(a) lenders reported a median initial rate of 9.50% on 310 loans. SBA FOIA,
- The median term was 10 years. SBA FOIA,
- Banks and savings institutions made 305 of the loans, credit unions 3, and non-banks 32. SBA FOIA,
- The five most active lenders made 29.7% of the loans. SBA FOIA,
- The three most active lenders were The Huntington National Bank with 32, Live Oak Banking Company with 25, and Readycap Lending, LLC with 16. SBA FOIA,
- 53 of the loans were under $150K, and 134 were $1M or more. SBA FOIA,
- 3 of these loans were made by lenders that have since merged or closed, that the file lists under a name with no lender record here, or that the loan tape shows only at a broader industry level. They are counted in the totals here and appear in no lender's row. SBA FOIA,
- The SBA file shows 125 approvals of these loans dated in the 12 months to September 30, 2026, versus 121 in the 12 months before. Both counts leave out cancelled approvals and include 504 approvals not yet funded. SBA FOIA,
- 21 of the 82 lenders are based in Texas. The rest are based elsewhere, most often in Florida, Ohio and Utah. SBA FOIA,
- The most common detailed industry in Texas was Child Care Services, with 343 loans. SBA FOIA,
How this list is defined
- Measure
- SBA loans made to child care businesses in Texas
- Period
- October 2023 to September 2026
- Formula
- Count, by lender, of SBA 7(a) approvals and SBA 504 first liens located in Texas, 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 state, 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.
What we don't know
- Whether any of these lenders is taking new SBA loans today, or how it would treat a business like yours.
- Loans that were never completed. The SBA file lists approvals, and these pages leave out the ones it marks cancelled.
- The borrower, the address and every term beyond rate and term. The public file does not show them.
Every loan counted here carried one of these NAICS codes in the SBA file, and the state of the loan is the state of the business. Loans are approvals, net of cancelled approvals. Lenders that merged or stopped filing are left out.
SBA does not require you to use an agent or broker for a loan application. SBA has not reviewed or endorsed this site.
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.