Live Oak Banking Company Home Instead SBA Loans in Georgia — 6 Funded
Georgia loan data 2019–2023 · Updated June 2026
Live Oak Banking Company has funded 6 SBA loans to Home Instead franchisees in Georgia, totaling $2.2M in approved financing across 3 cities and 3 congressional districts.
The average Home Instead loan in Georgia from Live Oak Banking Company is $366K at a 8.19% average interest rate, with terms averaging 144 months. The Georgia default rate is 0% based on 2 resolved loans. Georgia represents 8.6% of Live Oak Banking Company's total Home Instead lending nationally. These loans collectively support 282 Georgia jobs. SBA-guaranteed portion totals $1.6M (66.7% of approved volume).
How Georgia Compares to Live Oak Banking Company's National Home Instead Lending
Looking to fund a Home Instead franchise in Georgia?
Live Oak Banking Company is one of 2+ lenders who have funded Home Instead in Georgia. 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 Georgia
Based on 6 SBA loans originated by Live Oak Banking Company for Home Instead franchisees with Georgia addresses, the Georgia-specific lending relationship spans 2019–2023. Of 2 resolved Georgia loans, 2 were paid in full and 0 resulted in chargeoffs.
The Georgia loan size range extends from $50K to $880K, indicating Live Oak Banking Company funds both smaller single-unit Home Instead operations and larger multi-unit or renovation projects in Georgia. Each loan supports an average of 47 jobs in the local economy, and the portfolio collectively supports 282 Georgia jobs. Most Georgia Home Instead loans from Live Oak Banking Company are classified under "Home Health Care Services" (NAICS).
Recent activity: Live Oak Banking Company has originated 0 Home Instead Georgia loans in the last 2 fiscal years and 2 since fiscal year 2020. The most recent Home Instead Georgia approval recorded is from FY2023. Note: lack of recent activity may indicate Live Oak Banking Company has paused, slowed, or exited Home Instead Georgia lending — borrowers should verify current appetite directly.
SBA guarantee profile: The SBA-guaranteed portion of Live Oak Banking Company's Home Instead Georgia loans averages 66.7% of approved volume, totaling $1.6M 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.
The 0% Georgia default rate is a strong indicator of loan quality. This suggestsLive Oak Banking Company has effective underwriting standards for Home Instead deals in Georgia and/or Georgia Home Instead franchisees have strong unit economics that support debt service. For prospective Georgia borrowers, this is an encouraging signal — Live Oak Banking Companyunderstands the Home Instead business model in this market and has a track record of successful outcomes here.
SBA Programs Used for Home Instead Loans in Georgia
| Program | Loans | Avg Size | Avg Rate | Avg Term |
|---|---|---|---|---|
| SBA 7A | 6 | $366K | 8.19% | 144 mo |
Home Instead Loan Size Distribution from Live Oak Banking Company in Georgia
How Live Oak Banking Company's Home Instead Georgia loan sizes break down by deal size. Useful for sizing your own deal: where do most Georgia Home Instead approvals land?
| Loan Size Range | Loans | Avg Loan Size | % of Georgia Loans |
|---|---|---|---|
| Under $150K | 2 | $63K | 33% |
| $150K-$350K | 2 | $312K | 33% |
| $350K-$750K | 1 | $565K | 17% |
| $750K-$1.5M | 1 | $880K | 17% |
How Live Oak Banking Company Originates Home Instead Loans in Georgia
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 Georgia delivery methods for Home Instead:
| Delivery Method | Loans | Avg Loan Size |
|---|---|---|
| Preferred Lenders Program | 4 | $517K |
| SBA Express Program | 2 | $63K |
Where in Georgia Live Oak Banking Company Funds Home Instead Locations
| City | Loans | Avg Loan Size | Total Volume | Default Rate |
|---|---|---|---|---|
| Watkinsville | 2 | $465K | $930K | N/A |
| Columbus | 2 | $312K | $624K | N/A |
| Valdosta | 2 | $320K | $640K | 0% — Low Risk |
Live Oak Banking Company's strongest Home Instead lending presence in Georgia is concentrated in Watkinsville (2 loans), Columbus (2 loans), Valdosta (2 loans).
Live Oak Banking Company Home Instead Lending in Georgia Over Time
| Year | Loans | Avg Size | Total Volume | Avg Rate |
|---|---|---|---|---|
| 2023 | 2 | $465K | $930K | 10% |
| 2019 | 4 | $316K | $1.3M | 7.29% |
Other Lenders That Fund Home Instead in Georgia
Live Oak Banking Company is not the only lender funding Home Instead in Georgia. Compare 1 other banks who have originated Home Instead SBA loans to Georgia borrowers.
| Lender | Georgia Loans | Avg Size | Default Rate |
|---|---|---|---|
| Live Oak Banking Company (this page) | 6 | $366K | 0% — Low Risk |
| Truist Bank | 3 | $338K | 0% — Low Risk |
Other Franchises Live Oak Banking Company Funds in Georgia
Live Oak Banking Company is active in Georgia franchise lending beyond Home Instead. Other Georgia 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 Georgia
If you're considering a Home Instead franchise in Georgia 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 6 historical Georgia 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 Georgia Lenders
2 lenders have funded Home Instead in Georgia. 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 Georgia 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 Georgia historical data: The average Home Instead SBA loan from Live Oak Banking Company in Georgia is $366K with a 8.19% interest rate and a 144-month term.Georgia loan amounts range from $50K to $880K.
Ready to Fund Your Home Instead Franchise in Georgia?
We connect you with lenders who have already funded Home Instead in Georgia — so you can compare terms and close with confidence. No retainers. Referral fee paid at closing.