Franchise brands › Celebree School
Franchise brand51 approvals since FY2021
SBA loans to Celebree School franchises
Approvals SBA files under the brand's franchise code. The loans are to independent franchise owners; this page describes the brand in aggregate and no franchisee.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
Since FY2021, 51 SBA loan approvals worth $96.5M carry the Celebree School franchise code, 44 of them in FY2021 to FY2025.
In FY2025 there were 16. The average approval in the five-year window was $1.7M, and 2 of the approvals were 504 loans.
14 lenders made the FY2021 to FY2025 loans across 11 states; the most active were First Bank of the Lake (13), The Bancorp Bank National Association (9) and Manufacturers and Traders Trust Company (5).
These are loans to independent franchise owners, not to the franchisor.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Data through 30 Jun 2026.
Loans by fiscal year
| Fiscal year | Approvals | Dollars approved | Average approval | of which 504 | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 7 | $20.3M | $2.9M | 0 | 143 |
| FY2025 | 16 | $36.8M | $2.3M | 2 | 328 |
| FY2024 | 6 | $14.9M | $2.5M | 0 | 137 |
| FY2023 | 7 | $9.9M | $1.4M | 0 | 242 |
| FY2022 | 7 | $9.6M | $1.4M | 0 | 224 |
| FY2021 | 8 | $5.0M | $626K | 0 | 360 |
| FY2020 | 0 | — | — | 0 | 0 |
| FY2019 | 0 | — | — | 0 | 0 |
| FY2018 | 0 | — | — | 0 | 0 |
| FY2017 | 0 | — | — | 0 | 0 |
| FY2016 | 0 | — | — | 0 | 0 |
SBA's franchise field lists the brand as "Celebree School". Codes SBA has used for the same brand name are added together.
Charge-off cohort rate
| Loans approved FY2010–FY2021 | Celebree School | All SBA loans |
|---|---|---|
| Approvals in these years | 8 | 725,496 |
| Cancelled or never disbursed | 3 | 91,827 |
| Disbursed loans | 5 | 633,669 |
| Paid in full | 2 | 471,304 |
| Charged off | 0 | 37,796 |
| Still outstanding (status exempt from disclosure) | 3 | 124,569 |
| Charged off, share of disbursed loans | too few loans | 6.0% |
| Dollars charged off, share of disbursed dollars | too few loans | 2.2% |
| Dollars charged off | — | $6.20bn |
Lenders
| # | Lender, FY2021–FY2025 | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | First Bank of the LakeOsage Beach, MO | 13 | $22.3M | 29.5% | |
| 2 | The Bancorp Bank National AssociationSioux Falls, SD | 9 | $22.7M | 20.5% | |
| 3 | Manufacturers and Traders Trust CompanyBuffalo, NY | 5 | $2.8M | 11.4% | |
| 4 | Atlantic Union BankRichmond, VA | 3 | $4.4M | 6.8% | |
| 5 | Pinnacle BankNashville, TN | 2 | — | 4.5% | |
| 6 | Texas Capital BankDallas, TX | 2 | — | 4.5% | |
| 7 | Wilmington Savings Fund Society FSBWilmington, DE | 2 | — | 4.5% | |
| 8 | EagleBankBethesda, MD | 2 | — | 4.5% | |
| 9 | FDIC - Community Bank & Trust-West GeorgiaLagrange, GA | 1 | — | 2.3% | |
| 10 | Celtic Bank CorporationSalt Lake City, UT | 1 | — | 2.3% | |
| 11 | Capital Certified Development CorporationAustin, TX · CDC | 1 | — | 2.3% | |
| 12 | TowneBankPortsmouth, VA | 1 | — | 2.3% | |
| 13 | Rural Enterprises of Oklahoma, Inc.Durant, OK · CDC | 1 | — | 2.3% | |
| 14 | JPMorgan Chase Bank, National AssociationColumbus, OH | 1 | — | 2.3% |
States
| # | State of the business, FY2021–FY2025 | Approvals | Share | |
|---|---|---|---|---|
| 1 | Maryland | 11 | 25.0% | |
| 2 | Pennsylvania | 8 | 18.2% | |
| 3 | Texas | 7 | 15.9% | |
| 4 | Virginia | 6 | 13.6% | |
| 5 | Georgia | 3 | 6.8% | |
| 6 | Florida | 3 | 6.8% | |
| 7 | South Carolina | 2 | 4.5% | |
| 8 | New Jersey | 1 | 2.3% | |
| 9 | Tennessee | 1 | 2.3% | |
| 10 | Massachusetts | 1 | 2.3% | |
| 11 | Oklahoma | 1 | 2.3% |
Filed under
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Child Day Care ServicesNAICS 6244 | 43 | 97.7% | |
| 2 | Individual and Family ServicesNAICS 6241 | 1 | 2.3% |
Approval sizes
- $50,000 or less4.5%2
- $50,001 to $150,0004.5%2
- $350,001 to $1 million25.0%11
- $1 million to $2 million31.8%14
- Over $2 million34.1%15
Age of the businesses
- Existing, more than 2 years old4.5%2
- New business, 2 years or less11.4%5
- Startup, loan funds will open the business81.8%36
- Change of ownership2.3%1
Questions and answers
How many SBA loans go to Celebree School franchises?
51 approvals since FY2021, worth $96.5M; 44 in FY2021 to FY2025.
Which lenders make SBA loans for Celebree School franchises?
By approvals in FY2021 to FY2025: First Bank of the Lake (13), The Bancorp Bank National Association (9), Manufacturers and Traders Trust Company (5), Atlantic Union Bank (3), Pinnacle Bank (2).
How large is a typical SBA loan for a Celebree School franchise?
The average approval in FY2021 to FY2025 was $1.7M.
What share of Celebree School SBA loans are charged off?
There are fewer than 30 disbursed loans from the matured approval years, too few for a rate.
Are SBA loans to Celebree School franchises rising?
Approvals in the three latest complete fiscal years total 29, against 15 in the three before: rising (+93%).
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error