Franchise brands › American Family Care
Franchise brand130 approvals since FY2015
SBA loans to American Family Care franchises
Approvals SBA files under the brand's franchise code. The loans are to independent franchise owners; this page describes the brand in aggregate and no franchisee.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
SBA lists 130 loan approvals since FY2015 under the American Family Care franchise brand, worth $148M; 96 of them came in FY2021 to FY2025.
In FY2025 there were 18, up 20% on FY2024. The average approval in the five-year window was $1.2M, and 2 of the approvals were 504 loans.
24 lenders made the FY2021 to FY2025 loans across 15 states; the most active were Citizens Bank (16), Webster Bank National Association (16) and United Community Bank (16).
Of loans approved in FY2010 to FY2021 and disbursed, SBA records 0.0% as charged off, below the 6.0% for all SBA loans from those years. The figures describe loans to independent franchise owners, not the franchisor.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Data through 30 Jun 2026.
Loans by fiscal year
| Fiscal year | Approvals | Dollars approved | Average approval | of which 504 | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 13 | $10.9M | $841K | 0 | 179 |
| FY2025 | 18 | $22.1M | $1.2M | 0 | 336 |
| FY2024 | 15 | $15.1M | $1.0M | 0 | 365 |
| FY2023 | 22 | $26.8M | $1.2M | 0 | 349 |
| FY2022 | 18 | $22.1M | $1.2M | 0 | 335 |
| FY2021 | 23 | $29.2M | $1.3M | 2 | 395 |
| FY2020 | 8 | $9.2M | $1.2M | 0 | 113 |
| FY2019 | 7 | $7.2M | $1.0M | 0 | 117 |
| FY2018 | 5 | $4.1M | $810K | 0 | 141 |
| FY2017 | 0 | — | — | 0 | 0 |
| FY2016 | 0 | — | — | 0 | 0 |
SBA's franchise field lists the brand as "American Family Care". Codes SBA has used for the same brand name are added together.
Charge-off cohort rate
| Loans approved FY2010–FY2021 | American Family Care | All SBA loans |
|---|---|---|
| Approvals in these years | 44 | 725,496 |
| Cancelled or never disbursed | 3 | 91,827 |
| Disbursed loans | 41 | 633,669 |
| Paid in full | 23 | 471,304 |
| Charged off | 0 | 37,796 |
| Still outstanding (status exempt from disclosure) | 18 | 124,569 |
| Charged off, share of disbursed loans | 0.0% | 6.0% |
| Dollars charged off, share of disbursed dollars | 0.0% | 2.2% |
| Dollars charged off | $0 | $6.20bn |
Lenders
| # | Lender, FY2021–FY2025 | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Citizens BankElizabethton, TN | 16 | $26.6M | 16.7% | |
| 2 | Webster Bank National AssociationWaterbury, CT | 16 | $15.7M | 16.7% | |
| 3 | United Community BankGreenville, SC | 16 | $15.0M | 16.7% | |
| 4 | The Huntington National BankColumbus, OH | 9 | $8.8M | 9.4% | |
| 5 | Customers BankMalvern, PA | 9 | $8.2M | 9.4% | |
| 6 | Wilmington Savings Fund Society FSBWilmington, DE | 4 | $4.1M | 4.2% | |
| 7 | First Business BankMadison, WI | 3 | $7.6M | 3.1% | |
| 8 | First National Bank of PennsylvaniaGreenville, PA | 3 | $4.1M | 3.1% | |
| 9 | Gulf Coast Bank and Trust CompanyNew Orleans, LA | 3 | $3.1M | 3.1% | |
| 10 | Beacon Bank and TrustBrookline, MA | 2 | — | 2.1% | |
| 11 | Newtek Bank, National AssociationMiami, FL | 2 | — | 2.1% | |
| 12 | First Bank of the LakeOsage Beach, MO | 1 | — | 1.0% | |
| 13 | SouthPoint BankBirmingham, AL | 1 | — | 1.0% | |
| 14 | FWBankChicago, IL | 1 | — | 1.0% | |
| 15 | CDC Small Business Finance Corp.San Diego, CA · CDC | 1 | — | 1.0% |
States
| # | State of the business, FY2021–FY2025 | Approvals | Share | |
|---|---|---|---|---|
| 1 | New Jersey | 20 | 20.8% | |
| 2 | California | 13 | 13.5% | |
| 3 | North Carolina | 11 | 11.5% | |
| 4 | Pennsylvania | 8 | 8.3% | |
| 5 | Colorado | 7 | 7.3% | |
| 6 | Virginia | 7 | 7.3% | |
| 7 | New York | 7 | 7.3% | |
| 8 | Florida | 7 | 7.3% | |
| 9 | Texas | 4 | 4.2% | |
| 10 | Illinois | 3 | 3.1% | |
| 11 | Michigan | 3 | 3.1% | |
| 12 | Connecticut | 2 | 2.1% | |
| 13 | Ohio | 2 | 2.1% | |
| 14 | Massachusetts | 1 | 1.0% | |
| 15 | Georgia | 1 | 1.0% |
Filed under
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Outpatient Care CentersNAICS 6214 | 47 | 49.0% | |
| 2 | Offices of PhysiciansNAICS 6211 | 40 | 41.7% | |
| 3 | Offices of Other Health PractitionersNAICS 6213 | 4 | 4.2% | |
| 4 | General Medical and Surgical HospitalsNAICS 6221 | 2 | 2.1% | |
| 5 | Specialty (except Psychiatric and Substance Abuse) HospitalsNAICS 6223 | 2 | 2.1% |
Approval sizes
- $50,000 or less3.1%3
- $50,001 to $150,0007.3%7
- $150,001 to $350,00014.6%14
- $350,001 to $1 million13.5%13
- $1 million to $2 million50.0%48
- Over $2 million11.5%11
Age of the businesses
- Existing, more than 2 years old14.6%14
- New business, 2 years or less19.8%19
- Startup, loan funds will open the business59.4%57
- Change of ownership6.3%6
Questions and answers
How many SBA loans go to American Family Care franchises?
130 approvals since FY2015, worth $148M; 96 in FY2021 to FY2025.
Which lenders make SBA loans for American Family Care franchises?
By approvals in FY2021 to FY2025: Citizens Bank (16), Webster Bank National Association (16), United Community Bank (16), The Huntington National Bank (9), Customers Bank (9).
How large is a typical SBA loan for a American Family Care franchise?
The average approval in FY2021 to FY2025 was $1.2M.
What share of American Family Care SBA loans are charged off?
Of 41 disbursed loans approved in FY2010 to FY2021, 0 (0.0%) are recorded as charged off; for all SBA loans from those years the figure is 6.0%.
Are SBA loans to American Family Care franchises rising?
Approvals in the three latest complete fiscal years total 55, against 49 in the three before: rising (+12%).
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error