Live Oak Banking Company Home Instead SBA Loans in Texas — 10 Funded
Texas loan data 2020–2022 · Updated June 2026
Live Oak Banking Company has funded 10 SBA loans to Home Instead franchisees in Texas, totaling $5.9M in approved financing across 4 cities and 5 congressional districts.
The average Home Instead loan in Texas from Live Oak Banking Company is $588K at a 5.63% average interest rate, with terms averaging 114 months. The Texas default rate is 0% based on 5 resolved loans. Texas represents 14.3% of Live Oak Banking Company's total Home Instead lending nationally. These loans collectively support 750 Texas jobs. SBA-guaranteed portion totals $4.7M (70.5% of approved volume).
How Texas 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 Texas. 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 Texas
Based on 10 SBA loans originated by Live Oak Banking Company for Home Instead franchisees with Texas addresses, the Texas-specific lending relationship spans 2020–2022. Of 5 resolved Texas loans, 5 were paid in full and 0 resulted in chargeoffs.
The Texas loan size range extends from $30K to $1.5M, indicating Live Oak Banking Company funds both smaller single-unit Home Instead operations and larger multi-unit or renovation projects in Texas. Each loan supports an average of 75 jobs in the local economy, and the portfolio collectively supports 750 Texas jobs. Most Texas 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 Texas loans in the last 2 fiscal years and 10 since fiscal year 2020. The most recent Home Instead Texas approval recorded is from FY2022. Note: lack of recent activity may indicate Live Oak Banking Company has paused, slowed, or exited Home Instead Texas lending — borrowers should verify current appetite directly.
SBA guarantee profile: The SBA-guaranteed portion of Live Oak Banking Company's Home Instead Texas loans averages 70.5% of approved volume, totaling $4.7M 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% Texas default rate is a strong indicator of loan quality. This suggestsLive Oak Banking Company has effective underwriting standards for Home Instead deals in Texas and/or Texas Home Instead franchisees have strong unit economics that support debt service. For prospective Texas 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 Texas
| Program | Loans | Avg Size | Avg Rate | Avg Term |
|---|---|---|---|---|
| SBA 7A | 10 | $588K | 5.63% | 114 mo |
Home Instead Loan Size Distribution from Live Oak Banking Company in Texas
How Live Oak Banking Company's Home Instead Texas loan sizes break down by deal size. Useful for sizing your own deal: where do most Texas Home Instead approvals land?
| Loan Size Range | Loans | Avg Loan Size | % of Texas Loans |
|---|---|---|---|
| Under $150K | 5 | $71K | 50% |
| $350K-$750K | 1 | $525K | 10% |
| $750K-$1.5M | 3 | $1.2M | 30% |
| Over $1.5M | 1 | $1.5M | 10% |
How Live Oak Banking Company Originates Home Instead Loans in Texas
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 Texas delivery methods for Home Instead:
| Delivery Method | Loans | Avg Loan Size |
|---|---|---|
| SBA Express Program | 5 | $71K |
| Preferred Lenders Program | 5 | $1.1M |
Where in Texas Live Oak Banking Company Funds Home Instead Locations
| City | Loans | Avg Loan Size | Total Volume | Default Rate |
|---|---|---|---|---|
| Houston | 4 | $548K | $2.2M | 0% — Low Risk |
| Victoria | 2 | $278K | $555K | 0% — Low Risk |
| Lubbock | 2 | $758K | $1.5M | N/A |
| New Braunfels | 2 | $810K | $1.6M | N/A |
Live Oak Banking Company's strongest Home Instead lending presence in Texas is concentrated in Houston (4 loans), Victoria (2 loans), Lubbock (2 loans).
Live Oak Banking Company Home Instead Lending in Texas Over Time
| Year | Loans | Avg Size | Total Volume | Avg Rate |
|---|---|---|---|---|
| 2022 | 2 | $758K | $1.5M | 6.13% |
| 2021 | 4 | $674K | $2.7M | 5.73% |
| 2020 | 4 | $418K | $1.7M | 5.29% |
Other Lenders That Fund Home Instead in Texas
Live Oak Banking Company is not the only lender funding Home Instead in Texas. Compare 6 other banks who have originated Home Instead SBA loans to Texas borrowers.
| Lender | Texas Loans | Avg Size | Default Rate |
|---|---|---|---|
| Live Oak Banking Company (this page) | 10 | $588K | 0% — Low Risk |
| American National Bank | 10 | $417K | 0% — Low Risk |
| Third Coast Bank | 3 | $852K | 0% — Low Risk |
| First National Bank of Omaha | 2 | $783K | 0% — Low Risk |
| First National Bank of Pennsylvania | 2 | $914K | 0% — Low Risk |
| Frost Bank | 2 | $147K | N/A |
| Gulf Coast Bank and Trust Company | 2 | $962K | N/A |
Other Franchises Live Oak Banking Company Funds in Texas
Live Oak Banking Company is active in Texas franchise lending beyond Home Instead. Other Texas 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 Texas
If you're considering a Home Instead franchise in Texas 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 10 historical Texas 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 Texas Lenders
7 lenders have funded Home Instead in Texas. 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 Texas 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 Texas historical data: The average Home Instead SBA loan from Live Oak Banking Company in Texas is $588K with a 5.63% interest rate and a 114-month term.Texas loan amounts range from $30K to $1.5M.
Ready to Fund Your Home Instead Franchise in Texas?
We connect you with lenders who have already funded Home Instead in Texas — so you can compare terms and close with confidence. No retainers. Referral fee paid at closing.