Franchise brands › Kumon
Franchise brand61 approvals since FY2012
SBA loans to Kumon 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 FY2012, 61 SBA loan approvals worth $15.6M carry the Kumon franchise code, 39 of them in FY2021 to FY2025.
In FY2025 there were 4, down 64% on FY2024. The average approval in the five-year window was $260K, and 1 of the approvals were 504 loans.
26 lenders made the FY2021 to FY2025 loans across 19 states; the most active were U.S. Bank, National Association (6), The Huntington National Bank (3) and Manufacturers and Traders Trust Company (3).
Of loans approved in FY2010 to FY2021 and disbursed, SBA records 10.0% as charged off, above 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* | 0 | — | — | 0 | 0 |
| FY2025 | 4 | $2.1M | $515K | 0 | 24 |
| FY2024 | 11 | $2.3M | $206K | 0 | 113 |
| FY2023 | 8 | $1.8M | $223K | 0 | 124 |
| FY2022 | 7 | $1.5M | $216K | 1 | 68 |
| FY2021 | 9 | $2.5M | $281K | 0 | 110 |
| FY2020 | 5 | $2.2M | $446K | 1 | 56 |
| FY2019 | 9 | $1.5M | $169K | 0 | 150 |
| FY2018 | 7 | $1.7M | $238K | 1 | 78 |
| FY2017 | 0 | — | — | 0 | 0 |
| FY2016 | 0 | — | — | 0 | 0 |
SBA's franchise field lists the brand as "Kumon". Codes SBA has used for the same brand name are added together.
Charge-off cohort rate
| Loans approved FY2010–FY2021 | Kumon | All SBA loans |
|---|---|---|
| Approvals in these years | 31 | 725,496 |
| Cancelled or never disbursed | 1 | 91,827 |
| Disbursed loans | 30 | 633,669 |
| Paid in full | 19 | 471,304 |
| Charged off | 3 | 37,796 |
| Still outstanding (status exempt from disclosure) | 8 | 124,569 |
| Charged off, share of disbursed loans | 10.0% | 6.0% |
| Dollars charged off, share of disbursed dollars | 5.6% | 2.2% |
| Dollars charged off | $445K | $6.20bn |
Lenders
| # | Lender, FY2021–FY2025 | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | U.S. Bank, National AssociationCincinnati, OH | 6 | $2.2M | 15.4% | |
| 2 | The Huntington National BankColumbus, OH | 3 | $480K | 7.7% | |
| 3 | Manufacturers and Traders Trust CompanyBuffalo, NY | 3 | $320K | 7.7% | |
| 4 | Mission Valley BankSun Valley, CA | 2 | — | 5.1% | |
| 5 | First Merchants BankIndianapolis, IN | 2 | — | 5.1% | |
| 6 | BayFirst National BankSaint Petersburg, FL | 2 | — | 5.1% | |
| 7 | Gulf Coast Bank and Trust CompanyNew Orleans, LA | 1 | — | 2.6% | |
| 8 | Plains State BankHumble, TX | 1 | — | 2.6% | |
| 9 | The Bank of HoustonHouston, MO | 1 | — | 2.6% | |
| 10 | Banesco USAMiami, FL | 1 | — | 2.6% | |
| 11 | Bank of America, National AssociationCharlotte, NC | 1 | — | 2.6% | |
| 12 | Leader Bank, National AssociationArlington, MA | 1 | — | 2.6% | |
| 13 | Landmark National BankManhattan, KS | 1 | — | 2.6% | |
| 14 | Citizens Bank, National AssociationProvidence, RI | 1 | — | 2.6% | |
| 15 | Newtek Small Business Finance, Inc.Lake Success, NY | 1 | — | 2.6% |
States
| # | State of the business, FY2021–FY2025 | Approvals | Share | |
|---|---|---|---|---|
| 1 | California | 7 | 17.9% | |
| 2 | Texas | 4 | 10.3% | |
| 3 | Minnesota | 3 | 7.7% | |
| 4 | New Jersey | 3 | 7.7% | |
| 5 | Maryland | 3 | 7.7% | |
| 6 | Missouri | 2 | 5.1% | |
| 7 | New York | 2 | 5.1% | |
| 8 | Georgia | 2 | 5.1% | |
| 9 | Michigan | 2 | 5.1% | |
| 10 | Ohio | 2 | 5.1% | |
| 11 | Florida | 1 | 2.6% | |
| 12 | North Carolina | 1 | 2.6% | |
| 13 | Massachusetts | 1 | 2.6% | |
| 14 | Kansas | 1 | 2.6% | |
| 15 | Virginia | 1 | 2.6% |
Filed under
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Other Schools and InstructionNAICS 6116 | 27 | 69.2% | |
| 2 | Educational Support ServicesNAICS 6117 | 5 | 12.8% | |
| 3 | Elementary and Secondary SchoolsNAICS 6111 | 3 | 7.7% | |
| 4 | Technical and Trade SchoolsNAICS 6115 | 1 | 2.6% | |
| 5 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 1 | 2.6% |
Approval sizes
- $50,000 or less7.7%3
- $50,001 to $150,00030.8%12
- $150,001 to $350,00038.5%15
- $350,001 to $1 million23.1%9
Age of the businesses
- Existing, more than 2 years old23.1%9
- New business, 2 years or less23.1%9
- Startup, loan funds will open the business28.2%11
- Change of ownership25.6%10
Questions and answers
How many SBA loans go to Kumon franchises?
61 approvals since FY2012, worth $15.6M; 39 in FY2021 to FY2025.
Which lenders make SBA loans for Kumon franchises?
By approvals in FY2021 to FY2025: U.S. Bank, National Association (6), The Huntington National Bank (3), Manufacturers and Traders Trust Company (3), Mission Valley Bank (2), First Merchants Bank (2).
How large is a typical SBA loan for a Kumon franchise?
The average approval in FY2021 to FY2025 was $260K.
What share of Kumon SBA loans are charged off?
Of 30 disbursed loans approved in FY2010 to FY2021, 3 (10.0%) are recorded as charged off; for all SBA loans from those years the figure is 6.0%.
Are SBA loans to Kumon franchises rising?
Approvals in the three latest complete fiscal years total 23, against 21 in the three before: rising (+10%).
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