Financing a Home Instead with an SBA loan
Since FY2020, 95 Home Instead locations changed hands on an SBA 7(a) loan. Here is what those deals looked like, which lenders wrote them, and where the brand stands with the SBA.
Home Instead franchising: franchises.homeinstead.com
What a lender sees
Home Instead is an established brand in the SBA loan file: 95 acquisitions cleared underwriting in the last five years. At the $567,500 median loan, a standard 7(a) structure puts roughly $56,750 of buyer equity into the deal at the 10 percent minimum injection, with the rest financed over ten years. The 8.50 percent median rate is the number to model your payment against.
Lenders that actually write these
The banks below approved the most Home Instead acquisitions in the file. A lender that has funded this brand before is the fastest path through underwriting.
- Live Oak Banking Company52 Home Instead loans
- Associated Bank National Association22 Home Instead loans
- Byline Bank4 Home Instead loans
- First Commonwealth Bank4 Home Instead loans
- First National Bank of Pennsylvania2 Home Instead loans
SBA conditions on this brand
Home Instead is listed in the SBA Franchise Directory with no brand-specific lender conditions on file. A lender still runs the standard franchise review, but there is no special addendum or lease restriction attached to this brand.
Loan counts, median size, median rate, and lender ranking are computed from the SBA 7(a) FOIA file, change of ownership approvals, FY2025 to FY2026 Q3, as of June 30, 2026. Eligibility, the identifier code, and any conditions are from the SBA Franchise Directory, effective August 11, 2026. We are not affiliated with Home Instead or its franchisor, and directory listing is not an endorsement of any individual deal. Methodology.