Franchise brands › Children's Lighthouse Early Learning Schools
Franchise brand53 approvals since FY2012
SBA loans to Children's Lighthouse Early Learning Schools 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.
SBA lists 53 loan approvals since FY2012 under the Children's Lighthouse Early Learning Schools franchise brand, worth $135M; 23 of them came in FY2021 to FY2025.
In FY2025 there were 4. The average approval in the five-year window was $2.3M, and 8 of the approvals were 504 loans.
16 lenders made the FY2021 to FY2025 loans across 4 states; the most active were Live Oak Banking Company (4), Plains State Bank (2) and LiftFund, Inc. (2).
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 | $20.6M | $2.9M | 3 | 174 |
| FY2025 | 4 | $7.1M | $1.8M | 3 | 84 |
| FY2024 | 6 | $11.2M | $1.9M | 2 | 181 |
| FY2023 | 1 | — | — | 0 | 30 |
| FY2022 | 6 | $15.8M | $2.6M | 1 | 148 |
| FY2021 | 6 | $13.2M | $2.2M | 2 | 122 |
| FY2020 | 9 | $27.6M | $3.1M | 3 | 237 |
| FY2019 | 8 | $16.1M | $2.0M | 2 | 214 |
| FY2018 | 4 | $15.9M | $4.0M | 0 | 207 |
| FY2017 | 0 | — | — | 0 | 0 |
| FY2016 | 1 | — | — | 0 | 32 |
SBA's franchise field lists the brand as "Children's Lighthouse Early Learning Schools". Codes SBA has used for the same brand name are added together.
Charge-off cohort rate
| Loans approved FY2010–FY2021 | Children's Lighthouse Early Learning Schools | All SBA loans |
|---|---|---|
| Approvals in these years | 29 | 725,496 |
| Cancelled or never disbursed | 3 | 91,827 |
| Disbursed loans | 26 | 633,669 |
| Paid in full | 5 | 471,304 |
| Charged off | 0 | 37,796 |
| Still outstanding (status exempt from disclosure) | 21 | 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 | Live Oak Banking CompanyWilmington, NC | 4 | $19.6M | 17.4% | |
| 2 | Plains State BankHumble, TX | 2 | — | 8.7% | |
| 3 | LiftFund, Inc.San Antonio, TX · CDC | 2 | — | 8.7% | |
| 4 | Capital Certified Development CorporationAustin, TX · CDC | 2 | — | 8.7% | |
| 5 | SouthState Bank, National AssociationWinter Haven, FL | 2 | — | 8.7% | |
| 6 | Customers BankMalvern, PA | 1 | — | 4.3% | |
| 7 | Greater East Texas Certified Development CompanyTyler, TX · CDC | 1 | — | 4.3% | |
| 8 | Caprock Business Finance Corporation, Inc.Lubbock, TX · CDC | 1 | — | 4.3% | |
| 9 | Business Expansion Funding CorporationCharlotte, NC · CDC | 1 | — | 4.3% | |
| 10 | The Bancorp Bank National AssociationSioux Falls, SD | 1 | — | 4.3% | |
| 11 | PeopleFundAustin, TX · CDC | 1 | — | 4.3% | |
| 12 | Truist BankCharlotte, NC | 1 | — | 4.3% | |
| 13 | T Bank, National AssociationDallas, TX | 1 | — | 4.3% | |
| 14 | First Bank of the LakeOsage Beach, MO | 1 | — | 4.3% | |
| 15 | Texas Capital BankDallas, TX | 1 | — | 4.3% |
States
| # | State of the business, FY2021–FY2025 | Approvals | Share | |
|---|---|---|---|---|
| 1 | Texas | 19 | 82.6% | |
| 2 | North Carolina | 2 | 8.7% | |
| 3 | Virginia | 1 | 4.3% | |
| 4 | Missouri | 1 | 4.3% |
Filed under
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Child Day Care ServicesNAICS 6244 | 20 | 87.0% | |
| 2 | Individual and Family ServicesNAICS 6241 | 2 | 8.7% | |
| 3 | Other Schools and InstructionNAICS 6116 | 1 | 4.3% |
Approval sizes
- $150,001 to $350,00013.0%3
- $350,001 to $1 million17.4%4
- $1 million to $2 million26.1%6
- Over $2 million43.5%10
Age of the businesses
- Existing, more than 2 years old17.4%4
- New business, 2 years or less17.4%4
- Startup, loan funds will open the business34.8%8
- Change of ownership30.4%7
Questions and answers
How many SBA loans go to Children's Lighthouse Early Learning Schools franchises?
53 approvals since FY2012, worth $135M; 23 in FY2021 to FY2025.
Which lenders make SBA loans for Children's Lighthouse Early Learning Schools franchises?
By approvals in FY2021 to FY2025: Live Oak Banking Company (4), Plains State Bank (2), LiftFund, Inc. (2), Capital Certified Development Corporation (2), SouthState Bank, National Association (2).
How large is a typical SBA loan for a Children's Lighthouse Early Learning Schools franchise?
The average approval in FY2021 to FY2025 was $2.3M.
What share of Children's Lighthouse Early Learning Schools 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 Children's Lighthouse Early Learning Schools franchises rising?
Approvals in the three latest complete fiscal years total 11, against 21 in the three before: falling (-48%).
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