How Much Can Child and Youth Services Businesses Get in SBA Loans?
1,148 SBA loans totaling $522.4M have been approved for child and youth services businesses (NAICS 624110). The average approved SBA loan is $455K, which is 34% above avg the $340K national average. 328 active lenders fund this industry with a 17.3% default rate on the matured 2018-2021 loan cohort.
At 17.3%, Child and Youth Services sits above the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — above average default risk relative to other SBA industries. Lenders price this risk into rate and structure, which is why matching the file to the right lender matters.
NAICS 624110 (Child and Youth Services) received 1,148 SBA loans worth $522.4M across 5+ states. Average loan $455K, average term 163 months, 17.3% default rate (resolved-loan basis).328 active SBA-approved lenders fund this industry. Most child and youth services loans use the SBA 7(a) program. There are approximately 14,284 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Child and Youth Services?+54% growth
Which SBA Program Do Child and Youth Services Businesses Use Most?
What Is the Best SBA Loan for Child and Youth Services?
The most widely used SBA program for child and youth services businesses — flexible terms, multiple use cases
Where Are Child and Youth Services SBA Loans Most Common?
Top SBA Lenders for Child and Youth Services
These banks have funded the most SBA loans for child and youth services businesses (NAICS 624110). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | JPMorgan Chase Bank, National Association(OH) | 65 | $4.8M |
| 2 | Wells Fargo Bank National Association(SD) | 56 | $19.1M |
| 3 | The Huntington National Bank(OH) | 52 | $10.2M |
| 4 | VelocitySBA, LLC(TX) | 32 | $2.1M |
| 5 | PNC Bank, National Association(DE) | 30 | $17.4M |
Child and Youth Services Industry Context
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How Does SBA Lending Work for Child and Youth Services Businesses?
Across all SBA loan programs, 1,148 loans have been approved for businesses classified under NAICS 624110 (Child and Youth Services), representing $522.4M in total capital deployed. The average approved loan of $455K is 34% above avg the national SBA average of $340K, with typical repayment terms of 163 months.
SBA lending for child and youth services is accelerating — loan volume has grown approximately 54% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2025.
Notably, 21% of SBA loans in this industry use the 504 program — well above the national average — indicating that child and youth services businesses frequently finance major fixed assets like real estate, heavy equipment, or facility buildouts. The 504 program offers up to $5.5M with below-market fixed rates and only 10% down from the borrower.
PeerSense specializes in matching child and youth services business owners with the capital sources most likely to approve their specific deal structure. As an advisory firm (not a lender), we structure your deal across our network of 500+ SBA-approved lenders to find the best terms — our referral fee is established upfront and paid at closing. No retainers.
Frequently Asked Questions — Child and Youth Services SBA Loans
What is the average SBA loan size for child and youth services businesses?
Which SBA loan program is best for a child and youth services business?
How many lenders fund SBA loans for child and youth services?
What states have the most SBA lending for child and youth services?
How does PeerSense help child and youth services businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Child and Youth Services defined by NAICS code 624110. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.