BlogRankingIndustryBest Personal Care Services SBA Lenders of 2026

Best Personal Care Services SBA Lenders of 2026

February 2, 2026
Industry, Ranking
5 min read

Best Personal Care Services SBA Lenders of 2026

$328.3M
Total Funded

833
Loans Approved

$394K
Avg Loan Size

10.16%
Avg Interest Rate

205
Active Lenders

SBA Loans for Personal Care Services Businesses

The Personal Care Services industry received $328.3M in SBA 7(a) loans across 833 businesses in 2025. With 205 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 Personal Care Services industry can help you access lenders that specialize in your business type.

💡 Key Insight: The average SBA loan for Personal Care Services businesses is $394K with an average rate of 10.16%. 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 Personal Care Services businesses by business stage:

🚀 Startups
57%
$206.8M • 472 loans

🏢 Existing Businesses
37%
$69.9M • 305 loans

🔄 Business Acquisitions
7%
$50.8M • 55 loans

Top 50 SBA Lenders for Personal Care Services (2025)

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

Rank Lender Volume Loans Avg Rate
1 The Huntington National Bank $45.3M 151 9.79%
2 Live Oak Banking Company $17.9M 19 9.70%
3 Newtek Bank, National Association $15.9M 72 10.94%
4 First Internet Bank of Indiana $14.7M 9 9.78%
5 First Savings Bank $10.4M 7 9.79%
6 Pathward National Association $8.5M 4 9.94%
7 BayFirst National Bank $8.4M 18 11.40%
8 Manufacturers and Traders Trust Company $7.1M 52 11.26%
9 Climate First Bank $7.1M 9 10.17%
10 Dogwood State Bank $6.9M 8 9.84%
11 Platinum Bank $6.4M 11 9.84%
12 KeyBank National Association $6.3M 10 10.30%
13 HomeTrust Bank $5.9M 4 9.63%
14 Readycap Lending, LLC $5.8M 21 12.52%
15 Commonwealth Business Bank $5.6M 2 8.50%
16 FWBank $5.3M 9 9.61%
17 First Bank of the Lake $4.8M 12 10.04%
18 Osgood Bank $4.2M 1 8.75%
19 Brookline Bank, a Division of Beacon Bank and Trust $4.2M 2 9.38%
20 Truliant FCU $4.1M 3 10.08%
21 Security National Bank of Omaha $3.9M 1 8.75%
22 The Bancorp Bank National Association $3.5M 3 8.08%
23 Commercial Bank of California $3.4M 6 10.46%
24 Gulf Coast Bank and Trust Company $3.3M 5 9.80%
25 U.S. Bank, National Association $3.2M 37 10.14%
26 JPMorgan Chase Bank, National Association $3.0M 6 10.25%
27 Capital One, National Association $3.0M 3 6.54%
28 Northeast Bank $2.9M 27 11.52%
29 Cadence Bank $2.7M 5 10.15%
30 Wells Fargo Bank National Association $2.5M 11 11.14%
31 Magnifi Financial CU $2.4M 6 10.08%
32 Celtic Bank Corporation $2.4M 9 10.47%
33 Byline Bank $2.3M 3 10.33%
34 ServisFirst Bank $2.3M 1 8.50%
35 Bank of Clarke $2.2M 4 9.13%
36 Stearns Bank National Association $2.1M 5 10.00%
37 Centerstone SBA Lending, Inc. $2.1M 3 9.75%
38 Five Star Bank $2.0M 3 8.83%
39 Citizens Bank $1.9M 3 10.25%
40 Texas Capital Bank $1.8M 2 7.50%
41 Harvest Small Business Finance, LLC $1.7M 4 9.69%
42 Banner Bank $1.7M 3 8.75%
43 VelocitySBA, LLC $1.6M 3 9.75%
44 United Community Bank $1.6M 3 9.83%
45 First National Bank of Pennsylvania $1.6M 2 9.03%
46 American National Bank $1.6M 1 9.50%
47 American Bank of Commerce $1.5M 3 9.17%
48 Wilmington Savings Fund Society FSB $1.5M 2 10.00%
49 Rockland Trust Company $1.4M 2 7.00%
50 Pan American Bank & Trust $1.4M 2 10.00%

🚀 Best Lenders for Personal Care Services Startups

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

Rank Lender Startup Volume Loans Avg Rate
1 The Huntington National Bank $42.5M 131 9.79%
2 BayFirst National Bank $7.2M 8 10.34%
3 Live Oak Banking Company $6.4M 7 9.20%
4 Pathward National Association $6.3M 2 9.88%
5 KeyBank National Association $6.3M 10 10.30%
6 First Savings Bank $6.1M 6 9.79%
7 Dogwood State Bank $5.7M 6 9.88%
8 Climate First Bank $5.5M 8 10.16%
9 FWBank $5.3M 9 9.61%
10 First Internet Bank of Indiana $5.2M 3 9.92%

🔄 Best Lenders for Personal Care Services Acquisitions

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

Rank Lender Acquisition Volume Loans Avg Rate
1 Live Oak Banking Company $10.8M 10 9.71%
2 First Internet Bank of Indiana $9.5M 6 9.71%
3 Truliant FCU $4.1M 3 10.08%
4 Security National Bank of Omaha $3.9M 1 8.75%
5 Commercial Bank of California $3.4M 6 10.46%
6 Brookline Bank, a Division of Beacon Bank and Trust $2.7M 1 9.00%
7 Centerstone SBA Lending, Inc. $1.7M 2 9.50%
8 Rockland Trust Company $1.4M 1 6.75%
9 Dogwood State Bank $1.2M 2 9.75%
10 Newtek Bank, National Association $1.2M 1 10.50%

🏢 Best Lenders for Existing Personal Care Services Businesses

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

Rank Lender Volume Loans Avg Rate
1 Newtek Bank, National Association $10.7M 48 10.93%
2 First Savings Bank $4.2M 1 9.75%
3 The Bancorp Bank National Association $3.1M 2 8.00%
4 The Huntington National Bank $2.8M 20 9.76%
5 U.S. Bank, National Association $2.8M 29 9.99%
6 JPMorgan Chase Bank, National Association $2.4M 5 10.40%
7 Northeast Bank $2.3M 22 11.51%
8 Pathward National Association $2.2M 2 10.00%
9 Cadence Bank $1.9M 3 10.17%
10 Readycap Lending, LLC $1.7M 16 13.27%

Top States for Personal Care Services SBA Loans

Here are the states with the highest SBA lending volume for Personal Care Services businesses:

Rank State Volume Loans
1 Florida $39.3M 81
2 California $32.5M 86
3 Texas $32.0M 67
4 North Carolina $19.1M 25
5 Virginia $17.3M 27
6 New Jersey $15.2M 39
7 Ohio $14.5M 38
8 Georgia $13.8M 25
9 New York $13.0M 38
10 Colorado $11.5M 25
11 Arizona $10.4M 26
12 Pennsylvania $9.4M 29
13 Tennessee $7.7M 19
14 Michigan $7.7M 13
15 Illinois $7.6M 18
16 South Carolina $6.7M 12
17 Oregon $5.6M 16
18 Utah $4.8M 13
19 Maryland $4.5M 17
20 Arkansas $4.4M 9
21 Washington $4.1M 18
22 Alabama $4.1M 10
23 Delaware $3.9M 8
24 Nevada $3.9M 17
25 Massachusetts $3.5M 18
26 Wisconsin $3.1M 14
27 Louisiana $3.0M 12
28 Missouri $2.8M 13
29 District of Columbia $2.3M 4
30 Idaho $2.2M 5
31 Minnesota $2.1M 13
32 Mississippi $1.8M 5
33 Kansas $1.8M 7
34 Kentucky $1.8M 6
35 Nebraska $1.7M 6
36 Iowa $1.4M 2
37 New Hampshire $1.4M 8
38 Indiana $1.3M 8
39 Connecticut $1.2M 9
40 North Dakota $967K 1
41 Oklahoma $910K 4
42 South Dakota $650K 2
43 Rhode Island $460K 2
44 Montana $365K 4
45 Hawaii $345K 5
46 Maine $345K 6
47 West Virginia $30K 1
48 Puerto Rico $25K 1
49 New Mexico $10K 1

Top Cities for Personal Care Services SBA Loans

Miami, Fl

$9.0M
Volume

7
Loans

New York, Ny

$6.7M
Volume

7
Loans

Raleigh, Nc

$5.3M
Volume

4
Loans

West Bloomfield, Mi

$5.0M
Volume

2
Loans

Charlotte, Nc

$4.7M
Volume

5
Loans

Columbus, Oh

$4.7M
Volume

4
Loans

Smyrna, Ga

$4.2M
Volume

1
Loans

Copley, Oh

$4.2M
Volume

1
Loans

Paramus, Nj

$4.0M
Volume

2
Loans

Addison, Tx

$3.9M
Volume

1
Loans

Portland, Or

$3.8M
Volume

4
Loans

Suffolk, Va

$3.7M
Volume

1
Loans

Austin, Tx

$3.4M
Volume

9
Loans

Boulder, Co

$3.3M
Volume

5
Loans

Scottsdale, Az

$3.3M
Volume

5
Loans

Wilmington, De

$3.2M
Volume

4
Loans

🤝 Why Use an SBA Broker for Personal Care Services Loans?

GoSBA Loans has extensive experience financing Personal Care Services businesses:

  • Industry expertise — we know which lenders specialize in Personal Care Services
  • Access to 205+ 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 Personal Care Services SBA Loan

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

Need SBA financing for your Personal Care Services business? GoSBA Loans specializes in SBA loans for Personal Care 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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