Child Care Center Feasibility Study in the Miami-Fort Lauderdale-West Palm Beach, FL Metro Area
What SBA's own loan files show about child care center lending in the Miami-Fort Lauderdale-West Palm Beach, FL Metro Area, and what a feasibility study for a project there has to test.
Miami: child care center
Miami drew 266 child care center loans worth $235.4 million between FY2017 and FY2026. Miami places 7 of 493 nationally for the class on 266 loans; in Miami, the class takes 4 of 39. In Miami, a quotient of 0.95x makes the class about as common. Miami is told apart by rank and a 0.95x quotient, not by size at $584,500.
$584,500 is typical in Miami, in a middle half $249,625 to $1.2 million; against the national median that is 1.29x, well above it. Miami lending ran 204 through 7(a) against 62 through 504. 5.3% of 266 Miami loans are franchised.
Miami's 7(a) table, 27 loans through TD Bank, National Association, $4.3 million; 15 through Newtek Small Business Finance, LLC, $7.1 million; 12 Gulf Coast Bank and Trust Company, $8.7 million; 9 through BankUnited, National Association, $9.3 million; 8 through Truist Bank, $16.5 million. Miami's 504 table, 33 loans through Florida Business Development Corporation, $35.1 million. Miami: unnamed holders have under 5 loans. 266 loans in Miami, by county: Palm Beach County, FL 99; Miami-Dade County, FL 89; Broward County, FL 78.
Cancellations in Miami and charge-offs
In Miami, cancellations took 16.2% or more of Miami's FY2017 to FY2024 approvals. Miami: undisbursed-loan ceiling withheld, not zero. Miami withholds charge-off floor, not zero. Miami floors rise as loans age. Of Miami's 266 loans, the high year held 38 in FY2024 and the low year 18 in FY2019; FY2026 shows 24 loans and $27.3 million. Yearly loan counts for Miami: FY2017 26, FY2018 23, FY2019 18, FY2020 19, FY2021 27, FY2022 24, FY2023 29, FY2024 38, FY2025 38, FY2026 24. Dollars by year: FY2017 $11.6 million, FY2018 $16.3 million, FY2019 $12.2 million, FY2020 $20.1 million, FY2021 $23.3 million, FY2022 $28.0 million, FY2023 $21.4 million, FY2024 $31.2 million, FY2025 $44.0 million, FY2026 $27.3 million.
Miami: testing the project
Miami approvals ran from 18 in FY2019 to 38 in FY2024; for Miami, plan for licensing delays. Miami's quotient, 0.95x: count rivals by age group. Across 266 loans, licensed enrollment in Miami carries $584,500. Miami: facing slow enrollment, debt service holds with $235.4 million approved. For 266 loans in Miami, classroom costs outside $249,625 to $1.2 million need cases. For 266 approvals in Miami, appraisers weigh special purpose resale.
Miami's 266 loans may include in-home child care. 266 loans fall in Miami by project county. Miami follows July 2023 delineation by county. Miami leaves out unplaceable counties. No census here: 266 loans give Miami a guide only.
SBA child care center loans in the Miami-Fort Lauderdale-West Palm Beach, FL Metro Area
| Loans approved, FY2017 to FY2026 | 266 |
|---|---|
| Gross dollars approved | $235.4 million |
| Median loan | $584,500 |
| Middle half of loans, from | $249,625 |
| Middle half of loans, to | $1.2 million |
| SBA 7(a) loans | 204 |
| SBA 504 loans | 62 |
| Franchise share of loans | 5.3% |
| Rank among metro and micro areas for child care center loans | 7 of 493 |
| Rank of child care center among the classes in this area | 4 of 39 |
| Location quotient (share of loans against the national share) | 0.95x |
| Median loan against the national median for the class | 1.29x |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 16.2% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | 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 Miami-Fort Lauderdale-West Palm Beach, FL Metro Area, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | 26 | $11.6 million |
| FY2018 | 23 | $16.3 million |
| FY2019 | 18 | $12.2 million |
| FY2020 | 19 | $20.1 million |
| FY2021 | 27 | $23.3 million |
| FY2022 | 24 | $28.0 million |
| FY2023 | 29 | $21.4 million |
| FY2024 | 38 | $31.2 million |
| FY2025 | 38 | $44.0 million |
| FY2026 | 24 | $27.3 million |
Most active SBA lenders
| Lender | Loans | Dollars |
|---|---|---|
| Florida Business Development Corporation | 33 | $35.1 million |
| Lender | Loans | Dollars |
|---|---|---|
| TD Bank, National Association | 27 | $4.3 million |
| Newtek Small Business Finance, LLC | 15 | $7.1 million |
| Gulf Coast Bank and Trust Company | 12 | $8.7 million |
| BankUnited, National Association | 9 | $9.3 million |
| Truist Bank | 8 | $16.5 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 |
|---|---|
| Palm Beach County, FL | 99 |
| Miami-Dade County, FL | 89 |
| Broward County, FL | 78 |
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-33100-C36.
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