Franchise brands › Kiddie Academy
Franchise brand509 approvals since FY2010
SBA loans to Kiddie 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.
SBA lists 509 loan approvals since FY2010 under the Kiddie Academy franchise brand, worth $784M; 193 of them came in FY2021 to FY2025.
In FY2025 there were 46, up 48% on FY2024. The average approval in the five-year window was $1.7M, and 58 of the approvals were 504 loans.
50 lenders made the FY2021 to FY2025 loans across 29 states; the most active were Bank Five Nine (25), Customers Bank (16) and Live Oak Banking Company (15).
Of loans approved in FY2010 to FY2021 and disbursed, SBA records 2.5% as charged off, below the 6.0% for all SBA loans from those years. The figures describe loans to independent franchise owners, not 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* | 36 | $68.5M | $1.9M | 8 | 755 |
| FY2025 | 46 | $85.3M | $1.9M | 18 | 1,131 |
| FY2024 | 31 | $53.4M | $1.7M | 9 | 939 |
| FY2023 | 31 | $49.1M | $1.6M | 9 | 759 |
| FY2022 | 34 | $64.3M | $1.9M | 12 | 800 |
| FY2021 | 51 | $72.5M | $1.4M | 10 | 1,368 |
| FY2020 | 33 | $47.5M | $1.4M | 3 | 930 |
| FY2019 | 43 | $72.1M | $1.7M | 6 | 1,090 |
| FY2018 | 38 | $59.2M | $1.6M | 5 | 1,036 |
| FY2017 | 25 | $44.9M | $1.8M | 1 | 564 |
| FY2016 | 37 | $65.8M | $1.8M | 2 | 943 |
SBA's franchise field lists the brand as "KIDDIE ACADEMY"; "Kiddie Academy". Codes SBA has used for the same brand name are added together.
Charge-off cohort rate
| Loans approved FY2010–FY2021 | Kiddie Academy | All SBA loans |
|---|---|---|
| Approvals in these years | 331 | 725,496 |
| Cancelled or never disbursed | 50 | 91,827 |
| Disbursed loans | 281 | 633,669 |
| Paid in full | 185 | 471,304 |
| Charged off | 7 | 37,796 |
| Still outstanding (status exempt from disclosure) | 89 | 124,569 |
| Charged off, share of disbursed loans | 2.5% | 6.0% |
| Dollars charged off, share of disbursed dollars | 0.5% | 2.2% |
| Dollars charged off | $2.0M | $6.20bn |
Lenders
| # | Lender, FY2021–FY2025 | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Bank Five NineOconomowoc, WI | 25 | $17.5M | 13.0% | |
| 2 | Customers BankMalvern, PA | 16 | $20.5M | 8.3% | |
| 3 | Live Oak Banking CompanyWilmington, NC | 15 | $36.4M | 7.8% | |
| 4 | TD Bank, National AssociationWilmington, DE | 10 | $5.8M | 5.2% | |
| 5 | First National Bank of PennsylvaniaGreenville, PA | 8 | $12.4M | 4.1% | |
| 6 | Coastal States BankHilton Head Island, SC | 5 | $15.0M | 2.6% | |
| 7 | Florida Business Development CorporationTampa, FL · CDC | 5 | $9.1M | 2.6% | |
| 8 | The Bancorp Bank National AssociationSioux Falls, SD | 4 | $11.1M | 2.1% | |
| 9 | Beacon Bank and TrustBrookline, MA | 4 | $9.8M | 2.1% | |
| 10 | Florida First Capital Finance Corporation, Inc.Tallahassee, FL · CDC | 4 | $9.6M | 2.1% | |
| 11 | Business Finance Group, Inc.Fairfax, VA · CDC | 4 | $8.5M | 2.1% | |
| 12 | Capital Certified Development CorporationAustin, TX · CDC | 4 | $7.4M | 2.1% | |
| 13 | Small Business Growth CorporationSpringfield, IL · CDC | 4 | $7.2M | 2.1% | |
| 14 | Manufacturers and Traders Trust CompanyBuffalo, NY | 4 | $1.3M | 2.1% | |
| 15 | First Bank of the LakeOsage Beach, MO | 3 | $9.6M | 1.6% |
States
| # | State of the business, FY2021–FY2025 | Approvals | Share | |
|---|---|---|---|---|
| 1 | Texas | 39 | 20.2% | |
| 2 | Florida | 13 | 6.7% | |
| 3 | Ohio | 13 | 6.7% | |
| 4 | Illinois | 12 | 6.2% | |
| 5 | Pennsylvania | 12 | 6.2% | |
| 6 | Maryland | 12 | 6.2% | |
| 7 | Georgia | 11 | 5.7% | |
| 8 | North Carolina | 10 | 5.2% | |
| 9 | Virginia | 8 | 4.1% | |
| 10 | Colorado | 8 | 4.1% | |
| 11 | New Jersey | 7 | 3.6% | |
| 12 | South Carolina | 5 | 2.6% | |
| 13 | California | 5 | 2.6% | |
| 14 | Utah | 4 | 2.1% | |
| 15 | Tennessee | 4 | 2.1% |
Filed under
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Child Day Care ServicesNAICS 6244 | 173 | 89.6% | |
| 2 | Elementary and Secondary SchoolsNAICS 6111 | 11 | 5.7% | |
| 3 | Individual and Family ServicesNAICS 6241 | 3 | 1.6% | |
| 4 | Other Schools and InstructionNAICS 6116 | 3 | 1.6% | |
| 5 | Lessors of Real EstateNAICS 5311 | 2 | 1.0% |
Approval sizes
- $50,000 or less2.6%5
- $50,001 to $150,0005.2%10
- $150,001 to $350,00011.4%22
- $350,001 to $1 million28.0%54
- $1 million to $2 million20.2%39
- Over $2 million32.6%63
Age of the businesses
- Existing, more than 2 years old29.5%57
- New business, 2 years or less7.3%14
- Startup, loan funds will open the business54.4%105
- Change of ownership8.8%17
Questions and answers
How many SBA loans go to Kiddie Academy franchises?
509 approvals since FY2010, worth $784M; 193 in FY2021 to FY2025.
Which lenders make SBA loans for Kiddie Academy franchises?
By approvals in FY2021 to FY2025: Bank Five Nine (25), Customers Bank (16), Live Oak Banking Company (15), TD Bank, National Association (10), First National Bank of Pennsylvania (8).
How large is a typical SBA loan for a Kiddie Academy franchise?
The average approval in FY2021 to FY2025 was $1.7M.
What share of Kiddie Academy SBA loans are charged off?
Of 281 disbursed loans approved in FY2010 to FY2021, 7 (2.5%) are recorded as charged off; for all SBA loans from those years the figure is 6.0%.
Are SBA loans to Kiddie Academy franchises rising?
Approvals in the three latest complete fiscal years total 108, against 118 in the three before: broadly level (-8%).
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