Child Care Center Feasibility Study in the Las Vegas-Henderson-North Las Vegas, NV Metro Area
What SBA's own loan files show about child care center lending in the Las Vegas-Henderson-North Las Vegas, NV Metro Area, and what a feasibility study for a project there has to test.
Las Vegas child care: larger loans, few franchises
Las Vegas accounts for 59 approved child care center loans from FY2017 through FY2026, totaling $66.1 million. Las Vegas has two ranks to read: 9 of 39 among its own classes and 41 of 493 for child care center against other areas. Child care center is underweight in Las Vegas: a 0.76x location quotient sits below the national share. Project county: Clark County, NV, 59 loans.
Half of Las Vegas's loans land between $385,500 and $1.5 million, around $760,000 at the median. At 1.68x of the national figure, child care center projects in Las Vegas cost more to finance. Counting programs, Las Vegas has 46 7(a) loans and 13 504 loans. Independent owners lead. 10.2% of Las Vegas borrowers operate under a franchise.
Two holders named
Live Oak Banking Company shows an average well above the median loan. Live Oak Banking Company holds 6 of the 7(a) loans shown, $14.0 million in all. In the 504 program, the holders are Nevada State Development Corporation, 8 loans and $9.8 million. Each Las Vegas entry lists a count and dollars, so read them as holdings.
The Las Vegas cohort is too thin for rates, so assume nothing from it. The yearly record includes 8 loans worth $3.8 million in FY2017, 9 loans worth $6.4 million in FY2023, 6 loans worth $7.1 million in FY2024, and 6 loans worth $8.9 million in FY2026. Other years are suppressed in Las Vegas, and none is zero. One code serves both centers and in-home providers, so no figure here is limited to centers. The Las Vegas area is built from project counties, so some loans are absent.
What Las Vegas borrowers and lenders should test
A study should check whether extended hours fill rooms, and should size licensed capacity against nearby centers' vacancies. With a median loan of $760,000, land, building and shade or outdoor play space deserve line-by-line review, and utility cost is a fixed charge that continues when enrollment is low. Enrollment can ramp slowly, so cash flow should be run at partial enrollment. The lender will want the real estate valued apart from the operating business, and a view on other users a purpose-built center could serve.
SBA child care center loans in the Las Vegas-Henderson-North Las Vegas, NV Metro Area
| Loans approved, FY2017 to FY2026 | 59 |
|---|---|
| Gross dollars approved | $66.1 million |
| Median loan | $760,000 |
| Middle half of loans, from | $385,500 |
| Middle half of loans, to | $1.5 million |
| SBA 7(a) loans | 46 |
| SBA 504 loans | 13 |
| Franchise share of loans | 10.2% |
| Rank among metro and micro areas for child care center loans | 41 of 493 |
| Rank of child care center among the classes in this area | 9 of 39 |
| Location quotient (share of loans against the national share) | 0.76x |
| Median loan against the national median for the class | 1.68x |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | withheld |
|---|---|
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | withheld |
Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.
SBA child care center loans approved in the Las Vegas-Henderson-North Las Vegas, NV Metro Area, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | 8 | $3.8 million |
| FY2018 | 5 | $2.5 million |
| FY2019 | withheld | withheld |
| FY2020 | withheld | withheld |
| FY2021 | withheld | withheld |
| FY2022 | withheld | withheld |
| FY2023 | 9 | $6.4 million |
| FY2024 | 6 | $7.1 million |
| FY2025 | 12 | $15.6 million |
| FY2026 | 6 | $8.9 million |
Most active SBA lenders
| Lender | Loans | Dollars |
|---|---|---|
| Nevada State Development Corporation | 8 | $9.8 million |
| Lender | Loans | Dollars |
|---|---|---|
| Live Oak Banking Company | 6 | $14.0 million |
Lenders with 5 or more loans here; a lender with fewer is not listed, and loans SBA or a receiver holds are counted but never listed as a lender.
Where the loans are, by county
| County | Loans |
|---|---|
| Clark County, NV | 59 |
Counties with 5 or more loans; smaller ones are not listed.
Metro is the CBSA (metropolitan or micropolitan statistical area) of the loan's project county, July 2023 delineation (OMB Bulletin 23-01). The county is matched by name (manifests/ld2/county-cbsa-map.csv); a loan whose county cannot be placed in a 2023 CBSA is left out of every metro.
Family child care homes cannot be separated from centers.
Shared code: 624410 also holds in-home child care.
A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.
Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; areas from the U.S. Census Bureau CBSA delineation, July 2023 (OMB Bulletin 23-01); Loan Analytics metro cell MA-29820-C36.
Related feasibility study pages
- Child care center feasibility study and SBA loan data
- Feasibility Study Data for the Las Vegas-Henderson-North Las Vegas, NV Metro Area
- Child Care Center Feasibility Study in Nevada
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- Feasibility Study Data by Metro Area
- SBA feasibility study company
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