Live Oak Banking Company Home Instead SBA Loans in California — 9 Funded
California loan data 2019–2025 · Updated June 2026
Live Oak Banking Company has funded 9 SBA loans to Home Instead franchisees in California, totaling $6.0M in approved financing across 5 cities and 5 congressional districts.
The average Home Instead loan in California from Live Oak Banking Company is $664K at a 8.46% average interest rate, with terms averaging 120 months. The California default rate is N/A based on 0 resolved loans. California represents 12.9% of Live Oak Banking Company's total Home Instead lending nationally. These loans collectively support 597 California jobs. SBA-guaranteed portion totals $4.4M (63.9% of approved volume). 2 of these loans were originated in the last 2 fiscal years.
How California Compares to Live Oak Banking Company's National Home Instead Lending
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Live Oak Banking Company is one of 7+ lenders who have funded Home Instead in California. We can help you compare options and connect with lenders experienced in this brand and state — no retainers, referral fee at closing.
Live Oak Banking Company Home Instead Loan Performance in California
Based on 9 SBA loans originated by Live Oak Banking Company for Home Instead franchisees with California addresses, the California-specific lending relationship spans 2019–2025.
The California loan size range extends from $75K to $1.7M, indicating Live Oak Banking Company funds both smaller single-unit Home Instead operations and larger multi-unit or renovation projects in California. Each loan supports an average of 66 jobs in the local economy, and the portfolio collectively supports 597 California jobs. Most California Home Instead loans from Live Oak Banking Company are classified under "Services for the Elderly and Persons with Disabilities" (NAICS).
Recent activity: Live Oak Banking Company has originated 2 Home Instead California loans in the last 2 fiscal years and 9 since fiscal year 2020. The most recent Home Instead California approval recorded is from FY2025.
SBA guarantee profile: The SBA-guaranteed portion of Live Oak Banking Company's Home Instead California loans averages 63.9% of approved volume, totaling $4.4M in federally-backed exposure. 7(a) loans typically carry a 75-85% guarantee, so a higher percentage suggests a smaller-loan/SBA Express mix; lower suggests larger PLP deals where the lender retains more risk.
SBA Programs Used for Home Instead Loans in California
| Program | Loans | Avg Size | Avg Rate | Avg Term |
|---|---|---|---|---|
| SBA 7A | 9 | $664K | 8.46% | 120 mo |
Home Instead Loan Size Distribution from Live Oak Banking Company in California
How Live Oak Banking Company's Home Instead California loan sizes break down by deal size. Useful for sizing your own deal: where do most California Home Instead approvals land?
| Loan Size Range | Loans | Avg Loan Size | % of California Loans |
|---|---|---|---|
| Under $150K | 4 | $88K | 44% |
| $350K-$750K | 2 | $450K | 22% |
| $750K-$1.5M | 1 | $1.3M | 11% |
| Over $1.5M | 2 | $1.7M | 22% |
How Live Oak Banking Company Originates Home Instead Loans in California
SBA delivery method matters: Preferred Lenders Program (PLP) closes 2-3 weeks faster than General Processing because the lender holds full credit authority. Live Oak Banking Company uses 2 different California delivery methods for Home Instead:
| Delivery Method | Loans | Avg Loan Size |
|---|---|---|
| Preferred Lenders Program | 5 | $1.1M |
| SBA Express Program | 4 | $88K |
Where in California Live Oak Banking Company Funds Home Instead Locations
| City | Loans | Avg Loan Size | Total Volume | Default Rate |
|---|---|---|---|---|
| Sunnyvale | 2 | $710K | $1.4M | N/A |
| Rohnert Park | 2 | $325K | $650K | N/A |
| San Francisco | 2 | $883K | $1.8M | N/A |
| Santa Barbara | 2 | $895K | $1.8M | N/A |
| Placentia | 1 | $350K | $350K | N/A |
Live Oak Banking Company's strongest Home Instead lending presence in California is concentrated in Sunnyvale (2 loans), Rohnert Park (2 loans), San Francisco (2 loans).
Live Oak Banking Company Home Instead Lending in California Over Time
| Year | Loans | Avg Size | Total Volume | Avg Rate |
|---|---|---|---|---|
| 2025 | 2 | $325K | $650K | 9.25% |
| 2023 | 4 | $889K | $3.6M | 8.94% |
| 2022 | 2 | $710K | $1.4M | 7.43% |
| 2020 | 1 | $350K | $350K | 7% |
Other Lenders That Fund Home Instead in California
Live Oak Banking Company is not the only lender funding Home Instead in California. Compare 6 other banks who have originated Home Instead SBA loans to California borrowers.
| Lender | California Loans | Avg Size | Default Rate |
|---|---|---|---|
| Live Oak Banking Company (this page) | 9 | $664K | N/A |
| American National Bank | 18 | $667K | 0% — Low Risk |
| Wells Fargo Bank National Association | 5 | $296K | 0% — Low Risk |
| U.S. Bank, National Association | 3 | $555K | 0% — Low Risk |
| CDC Small Business Finance Corp. | 2 | $175K | N/A |
| First-Citizens Bank & Trust Company | 2 | $68K | 0% — Low Risk |
| JPMorgan Chase Bank, National Association | 2 | $467K | 0% — Low Risk |
Other Franchises Live Oak Banking Company Funds in California
Live Oak Banking Company is active in California franchise lending beyond Home Instead. Other California franchise brands they have funded:
Live Oak Banking Company Home Instead Lending in Other States
Live Oak Banking Company has also funded Home Instead franchisees in 8 other states. View state-specific data:
How to Get an SBA Loan for a Home Instead Franchise in California
If you're considering a Home Instead franchise in California and want to finance through Live Oak Banking Company or another SBA lender, here's what you need to know based on our analysis of 9 historical California loans.
Verify Your Qualifications
Most SBA franchise loans require a 680+ credit score, 20-30% down payment, and relevant industry or management experience.Home Instead's franchise fee and total investment determine minimum capital requirements.
Compare California Lenders
7 lenders have funded Home Instead in California. Lenders with more local Home Instead experience typically close faster because they understand both the brand and the local market. Compare rates, default rates, and city coverage above.
Get Pre-Qualified
PeerSense matches California borrowers with lenders who have a proven track record funding Home Instead in your state. No retainers — our referral fee is paid at closing. Get matched in 24 hours.
Expected loan terms based on California historical data: The average Home Instead SBA loan from Live Oak Banking Company in California is $664K with a 8.46% interest rate and a 120-month term.California loan amounts range from $75K to $1.7M.
Ready to Fund Your Home Instead Franchise in California?
We connect you with lenders who have already funded Home Instead in California — so you can compare terms and close with confidence. No retainers. Referral fee paid at closing.