Franchise brands › Kids 'R' Kids
Franchise brand160 approvals since FY2010
SBA loans to Kids 'R' Kids 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 FY2010, 160 SBA loan approvals worth $367M carry the Kids 'R' Kids franchise code, 24 of them in FY2021 to FY2025.
In FY2025 there were 5. The average approval in the five-year window was $2.3M, and 9 of the approvals were 504 loans.
16 lenders made the FY2021 to FY2025 loans across 5 states; the most active were Readycap Lending, LLC (3), Florida Business Development Corporation (3) and The Huntington National Bank (3).
Of loans approved in FY2010 to FY2021 and disbursed, SBA records 0.0% 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* | 4 | $10.0M | $2.5M | 1 | 91 |
| FY2025 | 5 | $9.7M | $1.9M | 2 | 123 |
| FY2024 | 6 | $10.8M | $1.8M | 2 | 167 |
| FY2023 | 3 | $12.2M | $4.1M | 1 | 85 |
| FY2022 | 3 | $8.5M | $2.8M | 2 | 82 |
| FY2021 | 7 | $12.9M | $1.8M | 2 | 223 |
| FY2020 | 4 | $11.2M | $2.8M | 1 | 151 |
| FY2019 | 19 | $56.5M | $3.0M | 1 | 672 |
| FY2018 | 17 | $54.9M | $3.2M | 4 | 427 |
| FY2017 | 12 | $39.2M | $3.3M | 1 | 361 |
| FY2016 | 15 | $33.6M | $2.2M | 3 | 708 |
SBA's franchise field lists the brand as "KIDS 'R' KIDS"; "KIDS R KIDS"; "Kids 'R' Kids". Codes SBA has used for the same brand name are added together.
Charge-off cohort rate
| Loans approved FY2010–FY2021 | Kids 'R' Kids | All SBA loans |
|---|---|---|
| Approvals in these years | 139 | 725,496 |
| Cancelled or never disbursed | 12 | 91,827 |
| Disbursed loans | 127 | 633,669 |
| Paid in full | 87 | 471,304 |
| Charged off | 0 | 37,796 |
| Still outstanding (status exempt from disclosure) | 40 | 124,569 |
| Charged off, share of disbursed loans | 0.0% | 6.0% |
| Dollars charged off, share of disbursed dollars | 0.0% | 2.2% |
| Dollars charged off | $0 | $6.20bn |
Lenders
| # | Lender, FY2021–FY2025 | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Readycap Lending, LLCBerkeley Heights, NJ | 3 | $13.9M | 12.5% | |
| 2 | Florida Business Development CorporationTampa, FL · CDC | 3 | $5.8M | 12.5% | |
| 3 | The Huntington National BankColumbus, OH | 3 | $5.6M | 12.5% | |
| 4 | Live Oak Banking CompanyWilmington, NC | 2 | — | 8.3% | |
| 5 | Bank Five NineOconomowoc, WI | 2 | — | 8.3% | |
| 6 | Plains State BankHumble, TX | 1 | — | 4.2% | |
| 7 | Capital Certified Development CorporationAustin, TX · CDC | 1 | — | 4.2% | |
| 8 | United BankFairfax, VA | 1 | — | 4.2% | |
| 9 | North Texas Certified Development CorporationPlano, TX · CDC | 1 | — | 4.2% | |
| 10 | Greater East Texas Certified Development CompanyTyler, TX · CDC | 1 | — | 4.2% | |
| 11 | Midwest Business Finance CorporationSt. Cloud, MN · CDC | 1 | — | 4.2% | |
| 12 | Capital Partners Certified Development CompanyAtlanta, GA · CDC | 1 | — | 4.2% | |
| 13 | Georgia Certified Development CorporationAtlanta, GA · CDC | 1 | — | 4.2% | |
| 14 | Fifth Third BankCincinnati, OH | 1 | — | 4.2% | |
| 15 | Old National BankEvansville, IN | 1 | — | 4.2% |
States
| # | State of the business, FY2021–FY2025 | Approvals | Share | |
|---|---|---|---|---|
| 1 | Texas | 14 | 58.3% | |
| 2 | Florida | 4 | 16.7% | |
| 3 | Georgia | 3 | 12.5% | |
| 4 | South Dakota | 2 | 8.3% | |
| 5 | New Jersey | 1 | 4.2% |
Filed under
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Child Day Care ServicesNAICS 6244 | 22 | 91.7% | |
| 2 | Individual and Family ServicesNAICS 6241 | 1 | 4.2% | |
| 3 | Elementary and Secondary SchoolsNAICS 6111 | 1 | 4.2% |
Approval sizes
- $50,000 or less4.2%1
- $150,001 to $350,0004.2%1
- $350,001 to $1 million25.0%6
- $1 million to $2 million20.8%5
- Over $2 million45.8%11
Age of the businesses
- Existing, more than 2 years old33.3%8
- New business, 2 years or less16.7%4
- Startup, loan funds will open the business25.0%6
- Change of ownership25.0%6
Questions and answers
How many SBA loans go to Kids 'R' Kids franchises?
160 approvals since FY2010, worth $367M; 24 in FY2021 to FY2025.
Which lenders make SBA loans for Kids 'R' Kids franchises?
By approvals in FY2021 to FY2025: Readycap Lending, LLC (3), Florida Business Development Corporation (3), The Huntington National Bank (3), Live Oak Banking Company (2), Bank Five Nine (2).
How large is a typical SBA loan for a Kids 'R' Kids franchise?
The average approval in FY2021 to FY2025 was $2.3M.
What share of Kids 'R' Kids SBA loans are charged off?
Of 127 disbursed loans approved in FY2010 to FY2021, 0 (0.0%) are recorded as charged off; for all SBA loans from those years the figure is 6.0%.
Are SBA loans to Kids 'R' Kids franchises rising?
Approvals in the three latest complete fiscal years total 14, against 14 in the three before: broadly level (0%).
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