BlogRankingIndustryBest Home Healthcare Services SBA Lenders of 2026

Best Home Healthcare Services SBA Lenders of 2026

February 2, 2026
Industry, Ranking
5 min read

Best Home Healthcare Services SBA Lenders of 2026

$328.3M
Total Funded

729
Loans Approved

$450K
Avg Loan Size

10.23%
Avg Interest Rate

133
Active Lenders

SBA Loans for Home Healthcare Services Businesses

The Home Healthcare Services industry received $328.3M in SBA 7(a) loans across 729 businesses in 2025. With 133 lenders actively funding this industry, finding the right bank can make a significant difference in your rates and approval odds.

Working with an experienced SBA loan broker who understands the Home Healthcare Services industry can help you access lenders that specialize in your business type.

💡 Key Insight: The average SBA loan for Home Healthcare Services businesses is $450K with an average rate of 10.23%. Lenders who specialize in this industry often offer better terms and faster approvals.

SBA Loans by Business Type

Here’s how SBA 7(a) loans break down for Home Healthcare Services businesses by business stage:

🚀 Startups
30%
$56.8M • 219 loans

🏢 Existing Businesses
57%
$173.5M • 418 loans

🔄 Business Acquisitions
12%
$97.8M • 90 loans

Top 50 SBA Lenders for Home Healthcare Services (2025)

These are the banks that funded the most SBA 7(a) loan volume to Home Healthcare Services businesses, ranked by total volume:

Rank Lender Volume Loans Avg Rate
1 Live Oak Banking Company $65.5M 83 9.57%
2 Northeast Bank $22.1M 91 10.70%
3 Newtek Bank, National Association $20.9M 43 11.12%
4 The Huntington National Bank $20.2M 94 9.76%
5 American National Bank $10.7M 13 8.46%
6 Celtic Bank Corporation $8.9M 14 10.29%
7 U.S. Bank, National Association $7.4M 20 9.61%
8 Readycap Lending, LLC $6.8M 38 11.74%
9 First Internet Bank of Indiana $6.6M 6 9.79%
10 PNC Bank, National Association $5.2M 2 7.87%
11 Pacific Alliance Bank $5.0M 1 8.25%
12 Climate First Bank $5.0M 2 10.25%
13 Byline Bank $4.8M 3 10.17%
14 Academy Bank National Association $4.7M 1 8.50%
15 JPMorgan Chase Bank, National Association $4.5M 15 10.81%
16 Welch State Bank of Welch, Okla $4.4M 2 8.00%
17 Sentry Bank $3.8M 3 8.50%
18 Minnwest Bank $3.5M 1 9.25%
19 BayFirst National Bank $3.2M 21 12.10%
20 Manufacturers and Traders Trust Company $3.2M 24 11.53%
21 Harvest Small Business Finance, LLC $3.2M 6 9.79%
22 GBank $3.2M 1 9.25%
23 Fremont Bank $3.1M 2 9.38%
24 Heritage Bank Inc $3.1M 2 10.50%
25 Bankwell Bank $3.1M 2 10.00%
26 Comerica Bank $2.9M 3 8.75%
27 Open Bank $2.8M 2 9.13%
28 First Bank of the Lake $2.5M 11 10.55%
29 Gulf Coast Bank and Trust Company $2.5M 3 9.92%
30 City National Bank $2.4M 1 6.34%
31 Frandsen Bank and Trust $2.4M 1 9.75%
32 BankVista $2.3M 2 8.50%
33 Encore Bank $2.2M 2 10.25%
34 T Bank, National Association $2.1M 1 9.50%
35 Grasshopper Bank National Association $2.1M 4 11.44%
36 Truliant FCU $2.0M 2 10.13%
37 Zions Bank, A Division of $2.0M 10 9.72%
38 Wallis Bank $2.0M 2 9.25%
39 Pinnacle Bank $2.0M 1 9.00%
40 Lendistry SBLC, LLC $2.0M 8 12.00%
41 Colony Bank $1.9M 2 10.00%
42 Bank of Oak Ridge $1.8M 1 9.25%
43 CIBC Bank USA $1.8M 4 9.44%
44 LAF CU $1.8M 1 9.00%
45 Dogwood State Bank $1.8M 3 9.83%
46 Hanover Community Bank $1.7M 12 10.48%
47 VelocitySBA, LLC $1.7M 3 10.33%
48 Mission Valley Bank $1.7M 1 9.00%
49 Capital Bank, National Association $1.6M 1 10.00%
50 SouthState Bank, National Association $1.6M 3 9.41%

🚀 Best Lenders for Home Healthcare Services Startups

Starting a new home health care services business? These lenders funded the most startup loans in this industry:

Rank Lender Startup Volume Loans Avg Rate
1 Live Oak Banking Company $8.9M 18 10.28%
2 The Huntington National Bank $7.2M 52 10.01%
3 Academy Bank National Association $4.7M 1 8.50%
4 Byline Bank $4.4M 2 10.00%
5 Newtek Bank, National Association $2.5M 8 11.63%
6 First Bank of the Lake $2.2M 9 9.89%
7 Readycap Lending, LLC $1.7M 9 10.25%
8 U.S. Bank, National Association $1.7M 8 9.67%
9 Capital Bank, National Association $1.6M 1 10.00%
10 First Internet Bank of Indiana $1.6M 1 9.75%

🔄 Best Lenders for Home Healthcare Services Acquisitions

Looking to buy an existing home health care services business? These lenders specialize in acquisition financing:

Rank Lender Acquisition Volume Loans Avg Rate
1 Live Oak Banking Company $32.0M 37 9.20%
2 American National Bank $9.0M 7 8.44%
3 Celtic Bank Corporation $5.0M 1 10.00%
4 Climate First Bank $5.0M 2 10.25%
5 The Huntington National Bank $4.5M 4 8.94%
6 Welch State Bank of Welch, Okla $4.4M 2 8.00%
7 First Internet Bank of Indiana $3.9M 4 9.69%
8 Sentry Bank $3.8M 3 8.50%
9 Minnwest Bank $3.5M 1 9.25%
10 U.S. Bank, National Association $2.2M 2 8.57%

🏢 Best Lenders for Existing Home Healthcare Services Businesses

Already running an established home health care services business? These lenders have funded the most loans to existing businesses in your industry:

Rank Lender Volume Loans Avg Rate
1 Live Oak Banking Company $24.6M 28 9.60%
2 Northeast Bank $20.9M 84 10.64%
3 Newtek Bank, National Association $18.4M 35 11.00%
4 The Huntington National Bank $8.5M 38 9.51%
5 PNC Bank, National Association $5.0M 1 7.50%
6 Pacific Alliance Bank $5.0M 1 8.25%
7 Readycap Lending, LLC $5.0M 28 12.16%
8 JPMorgan Chase Bank, National Association $3.9M 13 10.87%
9 U.S. Bank, National Association $3.5M 10 9.78%
10 Celtic Bank Corporation $3.4M 12 10.33%

Top States for Home Healthcare Services SBA Loans

Here are the states with the highest SBA lending volume for Home Healthcare Services businesses:

Rank State Volume Loans
1 California $50.3M 107
2 Texas $31.2M 69
3 Pennsylvania $25.0M 34
4 Florida $22.4M 50
5 Minnesota $22.3M 25
6 Ohio $19.8M 68
7 Illinois $13.9M 40
8 New Jersey $13.0M 23
9 Colorado $12.1M 20
10 Oklahoma $10.6M 5
11 Michigan $9.3M 20
12 Virginia $9.0M 19
13 New York $8.9M 18
14 Maryland $8.1M 28
15 Wisconsin $7.5M 10
16 Arizona $7.3M 18
17 Connecticut $6.4M 13
18 Washington $4.9M 14
19 Kansas $4.9M 9
20 Massachusetts $4.7M 20
21 Nevada $4.4M 12
22 Georgia $4.1M 16
23 South Carolina $3.5M 3
24 Kentucky $3.5M 7
25 Oregon $3.4M 7
26 Nebraska $3.3M 7
27 North Carolina $3.2M 7
28 Indiana $2.2M 18
29 Iowa $1.5M 4
30 Louisiana $1.3M 8
31 Tennessee $1.2M 4
32 Missouri $1.1M 5
33 Mississippi $1.0M 4
34 Alabama $700K 2
35 Montana $500K 1
36 Arkansas $350K 2
37 Hawaii $250K 2
38 Rhode Island $250K 1
39 Puerto Rico $200K 3
40 District of Columbia $190K 1
41 North Dakota $150K 1
42 West Virginia $100K 1
43 Maine $71K 1
44 New Mexico $60K 1
45 Idaho $5K 1

Top Cities for Home Healthcare Services SBA Loans

Columbus, Oh

$9.2M
Volume

15
Loans

Philadelphia, Pa

$8.8M
Volume

9
Loans

Minneapolis, Mn

$7.7M
Volume

9
Loans

Houston, Tx

$6.3M
Volume

7
Loans

Fort Worth, Tx

$5.8M
Volume

5
Loans

Bakersfield, Ca

$5.3M
Volume

3
Loans

Pewaukee, Wi

$5.2M
Volume

3
Loans

Oklahoma City, Ok

$5.0M
Volume

1
Loans

Canonsburg, Pa

$5.0M
Volume

1
Loans

Pompano Beach, Fl

$5.0M
Volume

1
Loans

Jamaica, Ny

$5.0M
Volume

2
Loans

Eden Prairie, Mn

$5.0M
Volume

1
Loans

Pryor, Ok

$4.4M
Volume

2
Loans

Littleton, Co

$4.3M
Volume

2
Loans

Royal Oak, Mi

$4.3M
Volume

2
Loans

Las Vegas, Nv

$3.9M
Volume

10
Loans

🤝 Why Use an SBA Broker for Home Healthcare Services Loans?

GoSBA Loans has extensive experience financing Home Healthcare Services businesses:

  • Industry expertise — we know which lenders specialize in Home Healthcare Services
  • Access to 133+ lenders — including banks that don’t accept direct applications
  • Better rates — our relationships help secure competitive terms
  • Faster approvals — proper preparation leads to quicker decisions
  • Free service — lenders pay us, you pay nothing extra

📞 Get Expert Help with Your Home Healthcare Services SBA Loan

Our team specializes in SBA financing for Home Healthcare Services businesses. Let us match you with the right lender for your specific needs.

Need SBA financing for your Home Healthcare Services business? GoSBA Loans specializes in SBA loans for Home Healthcare Services businesses. Contact our industry specialists today for a free consultation.

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http://gosbaloans.com

Ishan Jetley is the owner of GoSBA Loans. I have assisted 100's of businesses with their business loans. I specialize in SBA financing for working capital, real estate and business acquisitions.

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