GEORGIA · NAICS 624410
Georgia childcare center projects are projection-driven, with licensure capacity, enrollment ramp, payer mix, and staffing ratios setting the revenue and cost frame. Studies translate demographic and waitlist evidence into defensible enrollment curves and stress-test labor and rent against state licensing standards.
FEASIBILITY TRIGGER
Projection-based; licensure capacity, enrollment ramp, and staffing analysis drive the lender study requirement.
Between FY2010 and FY2026, SBA lenders approved and disbursed 654 7(a) and 504 loans for childcare center projects in Georgia, totaling $748.2 million in approved financing at an average of $1.1 million per loan. Georgia ranks #4 of 38 states tracked for childcare center SBA lending volume and accounts for 7.7% of national childcare center SBA dollar volume. 83.2% of these loans were made under the 7(a) program, the remainder under 504. 115 loans have been approved since FY2024.
| Disbursed loans (FY2010–FY2026) | 654 |
| Approved volume | $748.2 million |
| Average loan size | $1.1 million |
| 7(a) share | 83.2% |
| Approvals since FY2024 | 115 |
| State rank by loan count | #4 of 38 |
Among the 450 seasoned loans in this segment (approvals FY2010–FY2021), 4.4% reached adverse resolution — purchased, liquidated, or charged off. The national benchmark for childcare center is 4.0%, against 7.3% across all industries. That performance runs above the national benchmark for this asset class, which is a factor lenders weigh in their credit decision.
Source: SBA 7(a) and 504 FOIA loan-level data, as of March 31, 2026. Disbursed loans only. See data methodology.
A 4.4% adverse-resolution rate against the national childcare center benchmark of 4.0% tells credit committees to scrutinize revenue projections and coverage assumptions closely on Georgia deals in this class. A rigorous third-party feasibility study — built on documented demand, defensible pricing, and stressed coverage — carries meaningful weight in that underwriting conversation, particularly at an average loan size of $1.1 million across 654 loans.
Every Georgia childcare centers project we underwrite follows the same lender ready process: independent market analysis, site and technical review, and financial projections tested against SBA SOP 50 10 8 standards. Our SBA feasibility study consultants guide explains scope, timing, deliverables, and what lenders and CDCs expect in the report.
Georgia projects most often fit SBA 504 where owner-occupied real estate anchors the deal, with the 50/40/10 structure delivering up to 90 percent financing at a fixed debenture rate. SBA 7(a) covers acquisitions, working capital, and equipment, and from July 4, 2026 eligible borrowers can combine 7(a) and 504 for up to $10 million in total program credit.
Child day care services rank among Georgia's top five SBA categories over the past decade, tracking the state's fast-growing suburban counties.
For a national view of this asset class, see our childcare center SBA feasibility overview, and read our related analysis in the childcare center lending research on our blog.
Public SBA and CDC program records, cited as program evidence
SBA 504 through Capital CDC with VetLoan Advantage
Veteran-owned center retaining 29 jobs, national program evidence
The Woodlands, Montgomery County, Texas
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