SBA 7(a) loan outcomes · FY2010–FY2019 cohort · Statuses as of June 30, 2026 · Last updated August 17, 2026
Kiddie Academy Franchise Failure Rate: 4.4% SBA Loan Defaults (2010–2019 Federal Data)
Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026. Figures also in the comparison table below.
About 1 in 23 Kiddie Academy SBA borrowers failed to repay — in line with the Child Day Care Services average of 4.5%.
Between 2010 and 2019, 160 Kiddie Academy franchisees financed with SBA 7(a) loans. 7 defaulted — a 4.4% charge-off rate, 1.0x the 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 Kiddie Academy franchise failure rate on SBA loans?
Kiddie Academy 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 Kiddie Academy franchisees: 160 loans approved between fiscal 2010 and 2019, of which 7 were charged off. Loan statuses are as of June 30, 2026, and the cohort has matured, so these are settled outcomes rather than projections.
- SBA 7(a) loans approved FY2010–FY2019160
- Charged off7
- Charge-off rate4.4%
- Child Day Care Services franchise benchmark4.5%
- Brand vs industry1.0x
- All-franchise SBA benchmark10.2%
- Average loan size, 2010s cohort$1,385,868
- New SBA loans since 2020169
- Early charge-offs since 20200
How does Kiddie Academy compare with other Child Day Care Services franchises?
The table sets Kiddie Academy'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.
| Measure | Kiddie Academy | Child Day Care Services | All franchises | All SBA borrowers |
|---|---|---|---|---|
| Default (charge-off) rate | 4.4% | 4.5% | 10.2% | 8.0% |
| Loans in sample | 160 | — | — | — |
| Defaults | 7 | — | — | — |
| Average loan size | $1,385,868 | — | — | — |
What has Kiddie Academy SBA lending looked like since 2020?
Since 2020, Kiddie Academy franchisees have taken 169 new SBA 7(a) loans. None have charged off to date, though most remain outstanding and unresolved.
Loans approved since 2020, by fiscal year — counts only: 0 have charged off to date and most are still outstanding, so no rate is drawn.
Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026.
Show the numbers behind this chart
| Fiscal year | Loans | Charged off | Rate |
|---|---|---|---|
| FY2010 | 4 | 1 | 25.0% |
| FY2011 | 6 | 0 | 0.0% |
| FY2012 | 5 | 2 | 40.0% |
| FY2013 | 16 | 0 | 0.0% |
| FY2014 | 14 | 0 | 0.0% |
| FY2015 | 27 | 2 | 7.4% |
| FY2016 | 24 | 0 | 0.0% |
| FY2017 | 18 | 2 | 11.1% |
| FY2018 | 26 | 0 | 0.0% |
| FY2019 | 20 | 0 | 0.0% |
| FY2020 | 21 | — | outstanding |
| FY2021 | 32 | — | outstanding |
| FY2022 | 22 | — | outstanding |
| FY2023 | 21 | — | outstanding |
| FY2024 | 21 | — | outstanding |
| FY2025 | 26 | — | outstanding |
| FY2026 | 26 | — | outstanding |
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?
Kiddie Academy's figure rests on 160 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 160 resolved loans, the sample is large enough that a single default barely moves the figure. Loans approved since 2020 are excluded from the rate because most are still outstanding; they appear on this page as counts only. Every Kiddie Academy figure is recomputed from the public SBA FOIA file on each rebuild.
Frequently asked
- What is Kiddie Academy's franchise failure rate on SBA loans?
- Between 2010 and 2019, 160 Kiddie Academy franchisees financed with SBA 7(a) loans. 7 defaulted — a 4.4% charge-off rate, 1.0x the Child Day Care Services average of 4.5%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.
- Is Kiddie Academy a safe franchise investment?
- Between 2010–2019, Kiddie Academy franchisees defaulted on SBA loans at 4.4% 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). Kiddie Academy franchise SBA 7(a) default rate, FY2010–FY2019 cohort: 4.4% (7 of 160 loans charged off). Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.
https://franchisefailurerates.com/franchise/kiddie-academy/ · Data & methodology · Download the dataset (CSV)