SBA 7(a) Child Care Center Feasibility Study in Maine
What SBA's own loan files show about SBA 7(a) lending to child care center projects in Maine, and what a feasibility study for an SBA 7(a) loan there has to test.
Maine child care center lending in SBA's records
In Maine, SBA 7(a) approved 32 loans in the child care center class. Across FY2017 to FY2026 in Maine that came to $6.0 million gross. Counting child care center loans, Maine ranks 40 across states for child care center under this program, and child care center sits 9 of 39 among Maine classes. A median of $69,500 is 0.18x of the national child care center median under SBA 7(a), so Maine runs below the norm. For child care center in Maine, the middle half spans $50,000 to $227,625, and franchise flags mark 0.00% of Maine child care center loans.
Who holds the child care center loans, and where
The largest named child care center holder in Maine is Bangor Savings Bank: 8 loans worth $1.3 million. Holders in Maine are those SBA currently lists. The Maine child care center county count starts with Cumberland at 11, York at 9, Penobscot at 6, Hancock at 3, Somerset at 2.
Timing of Maine approvals
The Maine child care center calendar shows 1 loan ($58,500) in FY2019, then in Maine 3 in FY2020 ($281,000), and in Maine 6 in FY2021 ($387,800), 5 in FY2023 ($1.2 million) and 1 in FY2024 ($50,000) against Maine's peak of 6 in FY2021.
Child care center cancel and charge-off floors
Because Maine has so few child care center approvals, the Maine cancellation rate for child care center is withheld, not printed. The child care center cohort funded in Maine is too small, so Maine holds no stable charge-off rate for child care center loans in Maine funded FY2017 to FY2021; Maine withholds the rate, and Maine lenders should not read it as zero.
Maine child care: what a study has to show
In Maine a center lives on enrolment and staffing. A study should count working households and licensed competitors, test tuition against local incomes, and tie capacity to licensed floor area and required adult-to-child ratios. Winter weather and seasonal work patterns affect attendance. Build-out is set against loans around $69,500, with coverage tested through a slow enrolment build, and the appraiser will weigh the building's other uses.
Maine child care: centers versus homes
In-home providers share a code with centers, so Maine totals blend two models and the study should say which applies.
SBA 7(a) child care center loans in Maine
| Loans approved, FY2017 to FY2026 | 32 |
|---|---|
| Gross dollars approved | $6.0 million |
| Median loan | $69,500 |
| Middle half of loans, from | $50,000 |
| Middle half of loans, to | $227,625 |
| Franchise share of loans | 0.00% |
| Rank among states for SBA 7(a) child care center loans, by number of loans | 40 |
| Rank of child care center among classes in Maine | 9 of 39 |
| Median loan against the national SBA 7(a) median for the class | 0.18x |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | not reported: fewer than 30 loans in the cohort |
|---|---|
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | not reported: fewer than 30 loans in the cohort |
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 7(a) child care center loans approved in Maine, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | 3 | $292,500 |
| FY2018 | 3 | $1.8 million |
| FY2019 | 1 | $58,500 |
| FY2020 | 3 | $281,000 |
| FY2021 | 6 | $387,800 |
| FY2022 | 3 | $142,000 |
| FY2023 | 5 | $1.2 million |
| FY2024 | 1 | $50,000 |
| FY2025 | 6 | $1.2 million |
| FY2026 | 1 | $577,100 |
Most active SBA lenders
| Lender | Loans | Dollars |
|---|---|---|
| Bangor Savings Bank | 8 | $1.3 million |
Where the loans are, by county
| County | Loans |
|---|---|
| CUMBERLAND | 11 |
| YORK | 9 |
| PENOBSCOT | 6 |
| HANCOCK | 3 |
| SOMERSET | 2 |
| OXFORD | 1 |
Family child care homes cannot be separated from centers. Shared code: 624410 also holds in-home child care.
Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; Loan Analytics loan-outcome cell SAP-ME-C36-7A.
Related feasibility study pages
- Feasibility study data and consultants for Maine
- Child care center feasibility study consultant
- Child Care Center Feasibility Study in Maine
- SBA 7(a) Child Care Center Feasibility Study
- SBA 504 Child Care Center Feasibility Study in Maine
- SBA feasibility study consultant
- SBA 7(a) Child Care Center Feasibility Study in Texas
- SBA 7(a) Child Care Center Feasibility Study in Florida
- SBA 7(a) Child Care Center Feasibility Study in California
- SBA 7(a) Child Care Center Feasibility Study in Ohio
- SBA 7(a) Child Care Center Feasibility Study in New York
- SBA 7(a) Child Care Center Feasibility Study in Georgia
- SBA 7(a) Restaurant Feasibility Study in Maine
- SBA 7(a) Quick Service Restaurant Feasibility Study in Maine
- SBA 7(a) Coffee Shop Feasibility Study in Maine
- SBA 7(a) Auto Repair Shop Feasibility Study in Maine
- SBA 7(a) Fitness Center Feasibility Study in Maine
- SBA 7(a) Brewery, Winery and Distillery Feasibility Study in Maine
Loan Analytics prepares the feasibility study a lender reads before it commits: for a child care center project in Maine, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.
Request Scope & Timeline
Start with the data.
Contact Us