Franchise brands › Ivybrook Academy
Franchise brand57 approvals since FY2018
SBA loans to Ivybrook Academy 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 FY2018, 57 SBA loan approvals worth $38.8M carry the Ivybrook Academy franchise code, 34 of them in FY2021 to FY2025.
In FY2025 there were 12. The average approval in the five-year window was $596K, and 3 of the approvals were 504 loans.
14 lenders made the FY2021 to FY2025 loans across 12 states; the most active were The Huntington National Bank (18), First Commonwealth Bank (3) and First Bank of the Lake (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* | 13 | $10.0M | $766K | 2 | 135 |
| FY2025 | 12 | $6.2M | $514K | 0 | 101 |
| FY2024 | 8 | $5.0M | $627K | 1 | 130 |
| FY2023 | 5 | $3.8M | $759K | 0 | 69 |
| FY2022 | 5 | $3.0M | $597K | 1 | 85 |
| FY2021 | 4 | $2.3M | $573K | 1 | 58 |
| FY2020 | 6 | $5.1M | $856K | 0 | 125 |
| FY2019 | 2 | — | — | 0 | 21 |
| FY2018 | 2 | — | — | 1 | 19 |
| FY2017 | 0 | — | — | 0 | 0 |
| FY2016 | 0 | — | — | 0 | 0 |
SBA's franchise field lists the brand as "Ivybrook Academy". Codes SBA has used for the same brand name are added together.
Charge-off cohort rate
| Loans approved FY2010–FY2021 | Ivybrook Academy | All SBA loans |
|---|---|---|
| Approvals in these years | 14 | 725,496 |
| Cancelled or never disbursed | 2 | 91,827 |
| Disbursed loans | 12 | 633,669 |
| Paid in full | 5 | 471,304 |
| Charged off | 0 | 37,796 |
| Still outstanding (status exempt from disclosure) | 7 | 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 | The Huntington National BankColumbus, OH | 18 | $7.5M | 52.9% | |
| 2 | First Commonwealth BankIndiana, PA | 3 | $2.5M | 8.8% | |
| 3 | First Bank of the LakeOsage Beach, MO | 2 | — | 5.9% | |
| 4 | Triad Business BankGreensboro, NC | 1 | — | 2.9% | |
| 5 | First National Bank of Coffee CountyDouglas, GA | 1 | — | 2.9% | |
| 6 | Capital Certified Development CorporationAustin, TX · CDC | 1 | — | 2.9% | |
| 7 | Magnifi Financial CUMelrose, MN | 1 | — | 2.9% | |
| 8 | Business Finance Group, Inc.Fairfax, VA · CDC | 1 | — | 2.9% | |
| 9 | Business Expansion Funding CorporationCharlotte, NC · CDC | 1 | — | 2.9% | |
| 10 | SouthState Bank, National AssociationWinter Haven, FL | 1 | — | 2.9% | |
| 11 | Gulf Coast Bank and Trust CompanyNew Orleans, LA | 1 | — | 2.9% | |
| 12 | Ameris BankAtlanta, GA | 1 | — | 2.9% | |
| 13 | Live Oak Banking CompanyWilmington, NC | 1 | — | 2.9% | |
| 14 | German American BankJasper, IN | 1 | — | 2.9% |
States
| # | State of the business, FY2021–FY2025 | Approvals | Share | |
|---|---|---|---|---|
| 1 | Texas | 6 | 17.6% | |
| 2 | North Carolina | 4 | 11.8% | |
| 3 | Colorado | 4 | 11.8% | |
| 4 | Pennsylvania | 4 | 11.8% | |
| 5 | Florida | 3 | 8.8% | |
| 6 | Georgia | 3 | 8.8% | |
| 7 | Virginia | 2 | 5.9% | |
| 8 | Minnesota | 2 | 5.9% | |
| 9 | Arizona | 2 | 5.9% | |
| 10 | Illinois | 2 | 5.9% | |
| 11 | South Carolina | 1 | 2.9% | |
| 12 | Ohio | 1 | 2.9% |
Filed under
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Child Day Care ServicesNAICS 6244 | 26 | 76.5% | |
| 2 | Elementary and Secondary SchoolsNAICS 6111 | 5 | 14.7% | |
| 3 | Other Schools and InstructionNAICS 6116 | 3 | 8.8% |
Approval sizes
- $50,000 or less23.5%8
- $50,001 to $150,0002.9%1
- $150,001 to $350,0002.9%1
- $350,001 to $1 million55.9%19
- $1 million to $2 million14.7%5
Age of the businesses
- Existing, more than 2 years old2.9%1
- New business, 2 years or less5.9%2
- Startup, loan funds will open the business91.2%31
Questions and answers
How many SBA loans go to Ivybrook Academy franchises?
57 approvals since FY2018, worth $38.8M; 34 in FY2021 to FY2025.
Which lenders make SBA loans for Ivybrook Academy franchises?
By approvals in FY2021 to FY2025: The Huntington National Bank (18), First Commonwealth Bank (3), First Bank of the Lake (2), Triad Business Bank (1), First National Bank of Coffee County (1).
How large is a typical SBA loan for a Ivybrook Academy franchise?
The average approval in FY2021 to FY2025 was $596K.
What share of Ivybrook Academy 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 Ivybrook Academy franchises rising?
Approvals in the three latest complete fiscal years total 25, against 15 in the three before: rising (+67%).
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