Live Oak Banking Company Home Instead SBA Loans in Pennsylvania — 3 Funded
Pennsylvania loan data 2019–2022 · Updated June 2026
Live Oak Banking Company has funded 3 SBA loans to Home Instead franchisees in Pennsylvania, totaling $1.5M in approved financing across 2 cities and 2 congressional districts.
The average Home Instead loan in Pennsylvania from Live Oak Banking Company is $492K at a 6.5% average interest rate, with terms averaging 120 months. The Pennsylvania default rate is N/A based on 0 resolved loans. Pennsylvania represents 4.3% of Live Oak Banking Company's total Home Instead lending nationally. These loans collectively support 86 Pennsylvania jobs. SBA-guaranteed portion totals $1.1M (66.7% of approved volume).
How Pennsylvania Compares to Live Oak Banking Company's National Home Instead Lending
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Live Oak Banking Company is one of 6+ lenders who have funded Home Instead in Pennsylvania. 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 Pennsylvania
Based on 3 SBA loans originated by Live Oak Banking Company for Home Instead franchisees with Pennsylvania addresses, the Pennsylvania-specific lending relationship spans 2019–2022.
The Pennsylvania loan size range extends from $75K to $1.2M, indicating Live Oak Banking Company funds both smaller single-unit Home Instead operations and larger multi-unit or renovation projects in Pennsylvania. Each loan supports an average of 29 jobs in the local economy, and the portfolio collectively supports 86 Pennsylvania jobs. Most Pennsylvania 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 0 Home Instead Pennsylvania loans in the last 2 fiscal years and 2 since fiscal year 2020. The most recent Home Instead Pennsylvania approval recorded is from FY2022. Note: lack of recent activity may indicate Live Oak Banking Company has paused, slowed, or exited Home Instead Pennsylvania lending — borrowers should verify current appetite directly.
SBA guarantee profile: The SBA-guaranteed portion of Live Oak Banking Company's Home Instead Pennsylvania loans averages 66.7% of approved volume, totaling $1.1M 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 Pennsylvania
| Program | Loans | Avg Size | Avg Rate | Avg Term |
|---|---|---|---|---|
| SBA 7A | 3 | $492K | 6.5% | 120 mo |
Home Instead Loan Size Distribution from Live Oak Banking Company in Pennsylvania
How Live Oak Banking Company's Home Instead Pennsylvania loan sizes break down by deal size. Useful for sizing your own deal: where do most Pennsylvania Home Instead approvals land?
| Loan Size Range | Loans | Avg Loan Size | % of Pennsylvania Loans |
|---|---|---|---|
| Under $150K | 1 | $75K | 33% |
| $150K-$350K | 1 | $225K | 33% |
| $750K-$1.5M | 1 | $1.2M | 33% |
How Live Oak Banking Company Originates Home Instead Loans in Pennsylvania
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 Pennsylvania delivery methods for Home Instead:
| Delivery Method | Loans | Avg Loan Size |
|---|---|---|
| Preferred Lenders Program | 2 | $700K |
| SBA Express Program | 1 | $75K |
Where in Pennsylvania Live Oak Banking Company Funds Home Instead Locations
| City | Loans | Avg Loan Size | Total Volume | Default Rate |
|---|---|---|---|---|
| Skippack | 2 | $625K | $1.3M | N/A |
| Holmes | 1 | $225K | $225K | N/A |
Live Oak Banking Company's strongest Home Instead lending presence in Pennsylvania is concentrated in Skippack (2 loans), Holmes (1 loans).
Live Oak Banking Company Home Instead Lending in Pennsylvania Over Time
| Year | Loans | Avg Size | Total Volume | Avg Rate |
|---|---|---|---|---|
| 2022 | 2 | $625K | $1.3M | 5.75% |
| 2019 | 1 | $225K | $225K | 8% |
Other Lenders That Fund Home Instead in Pennsylvania
Live Oak Banking Company is not the only lender funding Home Instead in Pennsylvania. Compare 5 other banks who have originated Home Instead SBA loans to Pennsylvania borrowers.
| Lender | Pennsylvania Loans | Avg Size | Default Rate |
|---|---|---|---|
| Live Oak Banking Company (this page) | 3 | $492K | N/A |
| First Commonwealth Bank | 6 | $605K | 0% — Low Risk |
| First National Bank of Pennsylvania | 2 | $1.2M | 0% — Low Risk |
| HomeTrust Bank | 2 | $745K | N/A |
| Manufacturers and Traders Trust Company | 2 | $363K | 0% — Low Risk |
| PNC Bank, National Association | 2 | $235K | 0% — Low Risk |
Other Franchises Live Oak Banking Company Funds in Pennsylvania
Live Oak Banking Company is active in Pennsylvania franchise lending beyond Home Instead. Other Pennsylvania 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 Pennsylvania
If you're considering a Home Instead franchise in Pennsylvania 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 3 historical Pennsylvania 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 Pennsylvania Lenders
6 lenders have funded Home Instead in Pennsylvania. 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 Pennsylvania 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 Pennsylvania historical data: The average Home Instead SBA loan from Live Oak Banking Company in Pennsylvania is $492K with a 6.5% interest rate and a 120-month term.Pennsylvania loan amounts range from $75K to $1.2M.
Ready to Fund Your Home Instead Franchise in Pennsylvania?
We connect you with lenders who have already funded Home Instead in Pennsylvania — so you can compare terms and close with confidence. No retainers. Referral fee paid at closing.