SBA loan outcome check · industry · SBA data as of 30 September 2026

How have SBA loans in Child Day Care Services turned out?

Of 13,962 loans approved in fiscal 2000 to 2021 (at least five years old), 1,619 (11.6%) were charged off by the lender, against 15.6% across all 7(a) loans approved in those same years. Child Day Care Services appears on 17,442 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2026, $10.2 billion in gross approvals. These are loans, not a rating.
Not financial, legal or franchise advice. This page reports what the SBA's loan file records for SBA-guaranteed loans. A charge-off rate is not a rating of a brand or an industry, it does not predict a new loan, and a franchisee's loan is not a measure of the franchisor. Read the franchise's disclosure document and talk to a lender or an adviser before you borrow.
Child Day Care ServicesIndustry NAICS 624410 · 17,442 loans
12%of seasoned loans charged off
  1. Child Day Care Services appears on 17,442 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2026, $10.2 billion in gross approvals.
  2. Of 13,962 loans approved in fiscal 2000 to 2021 (at least five years old), 1,619 (11.6%) were charged off by the lender, against 15.6% across all 7(a) loans approved in those same years.
  3. A charge-off is a loan the lender wrote off. It is not a statement about the borrower, the brand or the franchisor, and it does not predict how a new loan will turn out.
0%29%Fiscal 2000: 52 of 559 loans charged off (9.3%)Fiscal 2001: 54 of 499 loans charged off (10.8%)Fiscal 2002: 58 of 555 loans charged off (10.5%)Fiscal 2003: 116 of 683 loans charged off (17.0%)Fiscal 2004: 149 of 792 loans charged off (18.8%)Fiscal 2005: 212 of 949 loans charged off (22.3%)Fiscal 2006: 239 of 846 loans charged off (28.3%)Fiscal 2007: 267 of 912 loans charged off (29.3%)Fiscal 2008: 176 of 736 loans charged off (23.9%)Fiscal 2009: 63 of 439 loans charged off (14.4%)Fiscal 2010: 26 of 441 loans charged off (5.9%)Fiscal 2011: 32 of 505 loans charged off (6.3%)Fiscal 2012: 29 of 462 loans charged off (6.3%)Fiscal 2013: 12 of 453 loans charged off (2.6%)Fiscal 2014: 11 of 547 loans charged off (2.0%)Fiscal 2015: 15 of 625 loans charged off (2.4%)Fiscal 2016: 21 of 713 loans charged off (2.9%)Fiscal 2017: 35 of 713 loans charged off (4.9%)Fiscal 2018: 23 of 713 loans charged off (3.2%)Fiscal 2019: 14 of 649 loans charged off (2.2%)Fiscal 2020: 13 of 493 loans charged off (2.6%)Fiscal 2021: 2 of 678 loans charged off (0.3%)20002002200420062008201020122014201620182020
share of this group's loans charged off, by approval year (years with 10+ loans)all 7(a) loans, same year

Every approval year

Approval yearLoansApprovedPaid in fullCharged offNot yet resolvedCharged-off share
FY2000559$154.1 million5045239.3%
FY2001499$139.5 million44154410.8%
FY2002555$177.4 million49158610.5%
FY2003683$160.2 million564116317.0%
FY2004792$215.7 million636149718.8%
FY2005949$247.4 million7202121722.3%
FY2006846$222.5 million5902391728.3%
FY2007912$246.4 million6202672529.3%
FY2008736$231.7 million5371762323.9%
FY2009439$147.0 million355632114.4%
FY2010441$147.2 million4062695.9%
FY2011505$297.2 million44332306.3%
FY2012462$256.8 million41329206.3%
FY2013453$279.7 million40512362.6%
FY2014547$360.5 million48211542.0%
FY2015625$489.1 million53415762.4%
FY2016713$590.1 million576211162.9%
FY2017713$606.6 million514351644.9%
FY2018713$587.3 million478232123.2%
FY2019649$610.5 million377142582.2%
FY2020493$487.0 million257132232.6%
FY2021678$687.0 million29423820.3%
FY2022568$501.0 million1459414too recent for a share
FY2023659$527.6 million11013536too recent for a share
FY2024842$607.0 million688766too recent for a share
FY2025906$715.0 million342870too recent for a share
FY2026505$502.8 million40501too recent for a share

By state, where 30 or more loans are at least five years old

StateLoans (FY2000 to 2021)Charged offShare
Texas1,7021599.3%
Florida1,24817614.1%
California97115516.0%
Georgia77611114.3%
Ohio672598.8%
New Jersey6498112.5%
Pennsylvania605355.8%
New York5877011.9%
Illinois5436612.2%
North Carolina4324310.0%
Wisconsin3544111.6%
Michigan3234213.0%

US Small Business Administration, 7(a) FOIA loan data as of 30 September 2026. SBA-guaranteed 7(a) loans only, aggregated; no borrower or lender is shown. SBA open data.

Where can you go from this record?

Open it in the check to search another brand or industry. Before you borrow for a business in this industry, read the FTC consumer guide to buying a franchise, the SBA guide to buying a franchise and SBA Lender Match.

Compiled and checked by Vincent Wesley Couey (ORCID 0009-0005-6869-308X) from the SBA 7(a) FOIA loan data, as of 30 September 2026. Not an official source.

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