MARYLAND · NAICS 624410
Maryland childcare deals are projection-based, with licensure capacity and enrollment ramp driving the model. The state's high household incomes across the Capital suburbs support some of the strongest center economics in the mid-Atlantic, against an equally high cost base the model must absorb.
FEASIBILITY TRIGGER
Childcare deals are projection-based; licensure capacity and enrollment ramp drive the model.
From FY2010 through FY2026, Maryland recorded 214 SBA-disbursed childcare center loans across the 7(a) and 504 programs, representing $178.8 million in approved financing at an average loan size of $836,000. The state sits at rank #19 of 38 for childcare center SBA lending volume and holds 1.8% of the national childcare center dollar pool. 7(a) accounts for 92.5% of the count, 504 for the rest, with 46 fresh approvals dated FY2024 or later.
| Disbursed loans (FY2010–FY2026) | 214 |
| Approved volume | $178.8 million |
| Average loan size | $836,000 |
| 7(a) share | 92.5% |
| Approvals since FY2024 | 46 |
| State rank by loan count | #19 of 38 |
Among the 142 seasoned loans in this segment (approvals FY2010–FY2021), 4.9% 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 4.9% adverse-resolution rate against the national childcare center benchmark of 4.0% tells credit committees to scrutinize revenue projections and coverage assumptions closely on Maryland 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 $836,000 across 214 loans.
Every Maryland 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.
Maryland projects often pencil under SBA 504 because the 50/40/10 structure delivers up to 90 percent financing on owner-occupied real estate at a fixed debenture rate, and SBA 7(a) covers acquisitions, working capital, and equipment. From July 4, 2026 eligible borrowers can combine 7(a) and 504 for up to $10 million in total program credit.
Maryland's high household incomes across the Capital suburbs support some of the strongest center economics in the mid-Atlantic, against an equally high cost base the model must absorb.
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.
Compare neighboring markets: Maine, Massachusetts, Texas.
Public SBA and CDC program records, cited as program evidence
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