Franchise brands › Vital Care
Franchise brand66 approvals since FY2014
SBA loans to Vital 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.
Since FY2014, 66 SBA loan approvals worth $66.3M carry the Vital Care franchise code, 45 of them in FY2021 to FY2025.
In FY2025 there were 15. The average approval in the five-year window was $942K, and 1 of the approvals were 504 loans.
13 lenders made the FY2021 to FY2025 loans across 20 states; the most active were First Financial Bank (18), The Huntington National Bank (9) and Encore Bank (3).
These are loans to independent franchise owners, not to 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* | 14 | $19.3M | $1.4M | 0 | 122 |
| FY2025 | 15 | $15.8M | $1.1M | 0 | 131 |
| FY2024 | 9 | $9.3M | $1.0M | 0 | 74 |
| FY2023 | 16 | $12.4M | $777K | 1 | 112 |
| FY2022 | 3 | $1.4M | $479K | 0 | 11 |
| FY2021 | 2 | — | — | 0 | 23 |
| FY2020 | 2 | — | — | 0 | 30 |
| FY2019 | 0 | — | — | 0 | 0 |
| FY2018 | 1 | — | — | 0 | 5 |
| FY2017 | 0 | — | — | 0 | 0 |
| FY2016 | 0 | — | — | 0 | 0 |
SBA's franchise field lists the brand as "VITAL CARE"; "Vital Care". Codes SBA has used for the same brand name are added together.
Charge-off cohort rate
| Loans approved FY2010–FY2021 | Vital Care | All SBA loans |
|---|---|---|
| Approvals in these years | 9 | 725,496 |
| Cancelled or never disbursed | 0 | 91,827 |
| Disbursed loans | 9 | 633,669 |
| Paid in full | 9 | 471,304 |
| Charged off | 0 | 37,796 |
| Still outstanding (status exempt from disclosure) | 0 | 124,569 |
| Charged off, share of disbursed loans | too few loans | 6.0% |
| Dollars charged off, share of disbursed dollars | too few loans | 2.2% |
| Dollars charged off | — | $6.20bn |
Lenders
| # | Lender, FY2021–FY2025 | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | First Financial BankEl Dorado, AR | 18 | $21.2M | 40.0% | |
| 2 | The Huntington National BankColumbus, OH | 9 | $6.4M | 20.0% | |
| 3 | Encore BankLittle Rock, AR | 3 | $2.5M | 6.7% | |
| 4 | Idaho Central CUChubbuck, ID | 3 | $871K | 6.7% | |
| 5 | Renasant BankTupelo, MS | 2 | — | 4.4% | |
| 6 | First Interstate BankBillings, MT | 2 | — | 4.4% | |
| 7 | Horizon BankMichigan City, IN | 2 | — | 4.4% | |
| 8 | Live Oak Banking CompanyWilmington, NC | 1 | — | 2.2% | |
| 9 | Regions BankBirmingham, AL | 1 | — | 2.2% | |
| 10 | Florida First Capital Finance Corporation, Inc.Tallahassee, FL · CDC | 1 | — | 2.2% | |
| 11 | Truist BankCharlotte, NC | 1 | — | 2.2% | |
| 12 | First National Bank of PennsylvaniaGreenville, PA | 1 | — | 2.2% | |
| 13 | United Community BankGreenville, SC | 1 | — | 2.2% |
States
| # | State of the business, FY2021–FY2025 | Approvals | Share | |
|---|---|---|---|---|
| 1 | Florida | 7 | 15.6% | |
| 2 | Maryland | 6 | 13.3% | |
| 3 | Texas | 5 | 11.1% | |
| 4 | New Jersey | 3 | 6.7% | |
| 5 | New York | 3 | 6.7% | |
| 6 | Michigan | 3 | 6.7% | |
| 7 | Idaho | 3 | 6.7% | |
| 8 | Indiana | 2 | 4.4% | |
| 9 | Washington | 2 | 4.4% | |
| 10 | Alabama | 1 | 2.2% | |
| 11 | California | 1 | 2.2% | |
| 12 | Mississippi | 1 | 2.2% | |
| 13 | Arizona | 1 | 2.2% | |
| 14 | Louisiana | 1 | 2.2% | |
| 15 | Ohio | 1 | 2.2% |
Filed under
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Health and Personal Care RetailersNAICS 4561 | 27 | 60.0% | |
| 2 | Home Health Care ServicesNAICS 6216 | 10 | 22.2% | |
| 3 | Drugs and Druggists' Sundries Merchant WholesalersNAICS 4242 | 4 | 8.9% | |
| 4 | Pharmaceutical and Medicine ManufacturingNAICS 3254 | 2 | 4.4% | |
| 5 | Outpatient Care CentersNAICS 6214 | 1 | 2.2% |
Approval sizes
- $50,001 to $150,0006.7%3
- $150,001 to $350,0008.9%4
- $350,001 to $1 million42.2%19
- $1 million to $2 million37.8%17
- Over $2 million4.4%2
Age of the businesses
- Existing, more than 2 years old13.3%6
- New business, 2 years or less17.8%8
- Startup, loan funds will open the business68.9%31
Questions and answers
How many SBA loans go to Vital Care franchises?
66 approvals since FY2014, worth $66.3M; 45 in FY2021 to FY2025.
Which lenders make SBA loans for Vital Care franchises?
By approvals in FY2021 to FY2025: First Financial Bank (18), The Huntington National Bank (9), Encore Bank (3), Idaho Central CU (3), Renasant Bank (2).
How large is a typical SBA loan for a Vital Care franchise?
The average approval in FY2021 to FY2025 was $942K.
What share of Vital Care SBA loans are charged off?
There are fewer than 30 disbursed loans from the matured approval years, too few for a rate.
Are SBA loans to Vital Care franchises rising?
Volumes are too small to compare periods.
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