Live Oak Banking Company Home Instead SBA Loans in North Carolina — 4 Funded
North Carolina loan data 2018–2020 · Updated June 2026
Live Oak Banking Company has funded 4 SBA loans to Home Instead franchisees in North Carolina, totaling $4.6M in approved financing across 3 cities and 3 congressional districts.
The average Home Instead loan in North Carolina from Live Oak Banking Company is $1.2M at a 7.06% average interest rate, with terms averaging 111 months. The North Carolina default rate is 0% based on 2 resolved loans. North Carolina represents 5.7% of Live Oak Banking Company's total Home Instead lending nationally. These loans collectively support 260 North Carolina jobs. SBA-guaranteed portion totals $3.4M (68.8% of approved volume).
How North Carolina Compares to Live Oak Banking Company's National Home Instead Lending
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Live Oak Banking Company Home Instead Loan Performance in North Carolina
Based on 4 SBA loans originated by Live Oak Banking Company for Home Instead franchisees with North Carolina addresses, the North Carolina-specific lending relationship spans 2018–2020. Of 2 resolved North Carolina loans, 2 were paid in full and 0 resulted in chargeoffs.
The North Carolina loan size range extends from $125K to $3.6M, indicating Live Oak Banking Company funds both smaller single-unit Home Instead operations and larger multi-unit or renovation projects in North Carolina. Each loan supports an average of 65 jobs in the local economy, and the portfolio collectively supports 260 North Carolina jobs. Most North Carolina 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 North Carolina loans in the last 2 fiscal years and 1 since fiscal year 2020. The most recent Home Instead North Carolina approval recorded is from FY2020. Note: lack of recent activity may indicate Live Oak Banking Company has paused, slowed, or exited Home Instead North Carolina lending — borrowers should verify current appetite directly.
SBA guarantee profile: The SBA-guaranteed portion of Live Oak Banking Company's Home Instead North Carolina loans averages 68.8% of approved volume, totaling $3.4M 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.
The 0% North Carolina default rate is a strong indicator of loan quality. This suggestsLive Oak Banking Company has effective underwriting standards for Home Instead deals in North Carolina and/or North Carolina Home Instead franchisees have strong unit economics that support debt service. For prospective North Carolina 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 North Carolina
| Program | Loans | Avg Size | Avg Rate | Avg Term |
|---|---|---|---|---|
| SBA 7A | 4 | $1.2M | 7.06% | 111 mo |
Home Instead Loan Size Distribution from Live Oak Banking Company in North Carolina
How Live Oak Banking Company's Home Instead North Carolina loan sizes break down by deal size. Useful for sizing your own deal: where do most North Carolina Home Instead approvals land?
| Loan Size Range | Loans | Avg Loan Size | % of North Carolina Loans |
|---|---|---|---|
| Under $150K | 1 | $125K | 25% |
| $350K-$750K | 2 | $452K | 50% |
| Over $1.5M | 1 | $3.6M | 25% |
How Live Oak Banking Company Originates Home Instead Loans in North Carolina
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 North Carolina delivery methods for Home Instead:
| Delivery Method | Loans | Avg Loan Size |
|---|---|---|
| Preferred Lenders Program | 3 | $1.5M |
| SBA Express Program | 1 | $125K |
Where in North Carolina Live Oak Banking Company Funds Home Instead Locations
| City | Loans | Avg Loan Size | Total Volume | Default Rate |
|---|---|---|---|---|
| Charlotte | 2 | $1.9M | $3.7M | 0% — Low Risk |
| Winston Salem | 1 | $350K | $350K | 0% — Low Risk |
| Hickory | 1 | $555K | $555K | N/A |
Live Oak Banking Company's strongest Home Instead lending presence in North Carolina is concentrated in Charlotte (2 loans), Winston Salem (1 loans), Hickory (1 loans).
Live Oak Banking Company Home Instead Lending in North Carolina Over Time
| Year | Loans | Avg Size | Total Volume | Avg Rate |
|---|---|---|---|---|
| 2020 | 1 | $350K | $350K | 6.5% |
| 2019 | 3 | $1.4M | $4.3M | 7.25% |
Other Lenders That Fund Home Instead in North Carolina
Live Oak Banking Company is not the only lender funding Home Instead in North Carolina. Compare 1 other banks who have originated Home Instead SBA loans to North Carolina borrowers.
| Lender | North Carolina Loans | Avg Size | Default Rate |
|---|---|---|---|
| Live Oak Banking Company (this page) | 4 | $1.2M | 0% — Low Risk |
| American National Bank | 5 | $771K | 25% — High Risk |
Other Franchises Live Oak Banking Company Funds in North Carolina
Live Oak Banking Company is active in North Carolina franchise lending beyond Home Instead. Other North Carolina 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 North Carolina
If you're considering a Home Instead franchise in North Carolina 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 4 historical North Carolina 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 North Carolina Lenders
2 lenders have funded Home Instead in North Carolina. 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 North Carolina 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 North Carolina historical data: The average Home Instead SBA loan from Live Oak Banking Company in North Carolina is $1.2M with a 7.06% interest rate and a 111-month term.North Carolina loan amounts range from $125K to $3.6M.
Ready to Fund Your Home Instead Franchise in North Carolina?
We connect you with lenders who have already funded Home Instead in North Carolina — so you can compare terms and close with confidence. No retainers. Referral fee paid at closing.