Live Oak Banking Company Home Instead SBA Loans in Maryland — 6 Funded
Maryland loan data 2019–2025 · Updated June 2026
Live Oak Banking Company has funded 6 SBA loans to Home Instead franchisees in Maryland, totaling $9.7M in approved financing across 3 cities and 3 congressional districts.
The average Home Instead loan in Maryland from Live Oak Banking Company is $1.6M at a 8.1% average interest rate, with terms averaging 116 months. The Maryland default rate is 0% based on 3 resolved loans. Maryland represents 8.6% of Live Oak Banking Company's total Home Instead lending nationally. These loans collectively support 263 Maryland jobs. SBA-guaranteed portion totals $5.3M (54.8% of approved volume). 2 of these loans were originated in the last 2 fiscal years.
How Maryland Compares to Live Oak Banking Company's National Home Instead Lending
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Live Oak Banking Company Home Instead Loan Performance in Maryland
Based on 6 SBA loans originated by Live Oak Banking Company for Home Instead franchisees with Maryland addresses, the Maryland-specific lending relationship spans 2019–2025. Of 3 resolved Maryland loans, 3 were paid in full and 0 resulted in chargeoffs.
The Maryland loan size range extends from $150K to $3.7M, indicating Live Oak Banking Company funds both smaller single-unit Home Instead operations and larger multi-unit or renovation projects in Maryland. Each loan supports an average of 44 jobs in the local economy, and the portfolio collectively supports 263 Maryland jobs. Most Maryland Home Instead loans from Live Oak Banking Company are classified under "Home Health Care Services" (NAICS).
Recent activity: Live Oak Banking Company has originated 2 Home Instead Maryland loans in the last 2 fiscal years and 4 since fiscal year 2020. The most recent Home Instead Maryland approval recorded is from FY2025.
SBA guarantee profile: The SBA-guaranteed portion of Live Oak Banking Company's Home Instead Maryland loans averages 54.8% of approved volume, totaling $5.3M 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% Maryland default rate is a strong indicator of loan quality. This suggestsLive Oak Banking Company has effective underwriting standards for Home Instead deals in Maryland and/or Maryland Home Instead franchisees have strong unit economics that support debt service. For prospective Maryland 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 Maryland
| Program | Loans | Avg Size | Avg Rate | Avg Term |
|---|---|---|---|---|
| SBA 7A | 6 | $1.6M | 8.1% | 116 mo |
Home Instead Loan Size Distribution from Live Oak Banking Company in Maryland
How Live Oak Banking Company's Home Instead Maryland loan sizes break down by deal size. Useful for sizing your own deal: where do most Maryland Home Instead approvals land?
| Loan Size Range | Loans | Avg Loan Size | % of Maryland Loans |
|---|---|---|---|
| $150K-$350K | 3 | $213K | 50% |
| Over $1.5M | 3 | $3.0M | 50% |
How Live Oak Banking Company Originates Home Instead Loans in Maryland
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 Maryland delivery methods for Home Instead:
| Delivery Method | Loans | Avg Loan Size |
|---|---|---|
| Preferred Lenders Program | 4 | $2.3M |
| SBA Express Program | 2 | $163K |
Where in Maryland Live Oak Banking Company Funds Home Instead Locations
| City | Loans | Avg Loan Size | Total Volume | Default Rate |
|---|---|---|---|---|
| Towson | 3 | $1.8M | $5.5M | 0% — Low Risk |
| Pasadena | 2 | $1.9M | $3.9M | 0% — Low Risk |
| Berlin | 1 | $315K | $315K | N/A |
Live Oak Banking Company's strongest Home Instead lending presence in Maryland is concentrated in Towson (3 loans), Pasadena (2 loans), Berlin (1 loans).
Live Oak Banking Company Home Instead Lending in Maryland Over Time
| Year | Loans | Avg Size | Total Volume | Avg Rate |
|---|---|---|---|---|
| 2025 | 2 | $1.3M | $2.6M | 7.85% |
| 2023 | 2 | $1.9M | $3.9M | 9.45% |
| 2019 | 2 | $1.6M | $3.2M | 7% |
Other Franchises Live Oak Banking Company Funds in Maryland
Live Oak Banking Company is active in Maryland franchise lending beyond Home Instead. Other Maryland 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 Maryland
If you're considering a Home Instead franchise in Maryland 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 Maryland 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 Maryland Lenders
1 lenders have funded Home Instead in Maryland. 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 Maryland 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 Maryland historical data: The average Home Instead SBA loan from Live Oak Banking Company in Maryland is $1.6M with a 8.1% interest rate and a 116-month term.Maryland loan amounts range from $150K to $3.7M.
Ready to Fund Your Home Instead Franchise in Maryland?
We connect you with lenders who have already funded Home Instead in Maryland — so you can compare terms and close with confidence. No retainers. Referral fee paid at closing.