Franchise Failure Rates

SBA 7(a) loan outcomes · FY2010–FY2019 cohort · Statuses as of June 30, 2026 · Last updated August 17, 2026

Childrens Lighthouse Franchise Failure Rate: 0.0% SBA Loan Defaults (2010–2019 Federal Data)

0.0%
charge-off rate on 23 SBA 7(a) loans to Childrens Lighthouse franchisees, FY2010–2019
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019 — Childrens Lighthouse against its industry and all franchises
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: Childrens Lighthouse 0.0%; Child Day Care Services 4.5%; All franchises 10.2%Childrens Lighthouse 0.0%; Child Day Care Services 4.5%; All franchises 10.2%0%2%4%6%8%10%Childrens Lighthouse0.0%Child Day Care Services4.5%All franchises10.2%
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: Childrens Lighthouse 0.0%; Child Day Care Services 4.5%; All franchises 10.2%Childrens Lighthouse 0.0%; Child Day Care Services 4.5%; All franchises 10.2%0%2%4%6%8%10%Childrens Lighthouse0.0%Child Day Care Services4.5%All franchises10.2%

Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026. Figures also in the comparison table below.

None of the 23 Childrens Lighthouse SBA borrowers in the sample failed to repay — well below the Child Day Care Services average of 4.5%.

Between 2010 and 2019, 23 Childrens Lighthouse franchisees financed with SBA 7(a) loans. None defaulted — a 0.0% charge-off rate, against a Child Day Care Services average of 4.5%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.

What is the Childrens Lighthouse franchise failure rate on SBA loans?

Childrens Lighthouse is a Child Day Care Services franchise. This page reports the outcome of every SBA 7(a) loan the U.S. Small Business Administration's public FOIA file attributes to Childrens Lighthouse franchisees: 23 loans approved between fiscal 2010 and 2019, of which 0 were charged off. Loan statuses are as of June 30, 2026, and the cohort has matured, so these are settled outcomes rather than projections.

How does Childrens Lighthouse compare with other Child Day Care Services franchises?

The table sets Childrens Lighthouse's charge-off rate beside its Child Day Care Services peers and the two economy-wide benchmarks. All figures use the same cohort — SBA 7(a) loans approved FY2010–FY2019, statuses as of June 30, 2026 — and the same denominator of resolved loans, so they are directly comparable.

Childrens Lighthouse versus benchmarks, SBA 7(a) loans approved FY2010–FY2019, statuses as of June 30, 2026. Source: U.S. SBA FOIA dataset.
MeasureChildrens LighthouseChild Day Care ServicesAll franchisesAll SBA borrowers
Default (charge-off) rate0.0%4.5%10.2%8.0%
Loans in sample23———
Defaults0———
Average loan size$2,012,091———
Charge-off rate by approval year — share of each fiscal year's Childrens Lighthouse SBA 7(a) loans that later defaulted (FY2010–FY2019); years with fewer than 10 loans are outlined, not filled
Charge-off rate by approval year: FY2011 0% of 1 loans; FY2013 0% of 6 loans; FY2014 0% of 3 loans; FY2015 0% of 3 loans; FY2016 0% of 7 loans; FY2017 0% of 3 loansCharge-off rate by approval year: FY2011 0% of 1 loans; FY2013 0% of 6 loans; FY2014 0% of 3 loans; FY2015 0% of 3 loans; FY2016 0% of 7 loans; FY2017 0% of 3 loans0%5%10%0%2011n=10%2013n=60%2014n=30%2015n=30%2016n=70%2017n=3
Charge-off rate by approval year: FY2011 0% of 1 loans; FY2013 0% of 6 loans; FY2014 0% of 3 loans; FY2015 0% of 3 loans; FY2016 0% of 7 loans; FY2017 0% of 3 loansCharge-off rate by approval year: FY2011 0% of 1 loans; FY2013 0% of 6 loans; FY2014 0% of 3 loans; FY2015 0% of 3 loans; FY2016 0% of 7 loans; FY2017 0% of 3 loans0%5%10%0%’11n=10%’13n=60%’14n=30%’15n=30%’16n=70%’17n=3

Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026.

Show the numbers behind this chart
Fiscal yearLoansCharged offRate
FY2011100.0%
FY2013600.0%
FY2014300.0%
FY2015300.0%
FY2016700.0%
FY2017300.0%

How to read this

A charge-off means a franchisee borrowed, operated, and failed severely enough that the SBA wrote off the government-guaranteed loan. Unlike franchisor marketing or Item 19 disclosures, this is an observed outcome recorded by a federal agency. One caveat cuts the other way: SBA borrowers are typically less capitalized than all-cash buyers, so these rates can overstate risk for well-funded operators.

How reliable is this number?

Childrens Lighthouse's figure rests on 23 resolved SBA 7(a) loans approved between fiscal 2010 and 2019 — a matured cohort, so the rate is a settled outcome, not a projection. With 23 resolved loans, one default moves the rate by about 4.3 percentage points. Loans approved since 2020 are excluded from the rate because most are still outstanding; they appear on this page as counts only. Every Childrens Lighthouse figure is recomputed from the public SBA FOIA file on each rebuild.

Based on 23 resolved loans — directional, not precise.

Frequently asked

What is Childrens Lighthouse's franchise failure rate on SBA loans?
Between 2010 and 2019, 23 Childrens Lighthouse franchisees financed with SBA 7(a) loans. None defaulted — a 0.0% charge-off rate, against a Child Day Care Services average of 4.5%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.
Is Childrens Lighthouse a safe franchise investment?
Between 2010–2019, Childrens Lighthouse franchisees defaulted on SBA loans at 0.0% versus a 4.5% industry average. This data is one input for due diligence; it is not investment advice.

Cite this page

Franchise Default Rates (2026). Childrens Lighthouse franchise SBA 7(a) default rate, FY2010–FY2019 cohort: 0.0% (0 of 23 loans charged off). Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.

https://franchisefailurerates.com/franchise/childrens-lighthouse/ · Data & methodology · Download the dataset (CSV)