SBA 7(a) loan outcomes · FY2010–FY2019 cohort · Statuses as of June 30, 2026 · Last updated August 17, 2026
Child Day Care Services Franchise Failure Rates: SBA Loan Defaults for 8 Brands
Child Day Care Services franchises charged off 4.5% of SBA 7(a) loans approved FY2010–FY2019, versus 10.2% for all franchises and 8.0% for all SBA borrowers. This page tracks 8 brands: default rates ranged from Primrose Schools (0.0%) to The Learning Experience (7.4%). Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026.
How do Child Day Care Services franchises perform on SBA loans?
Across the 8 Child Day Care Services brands tracked here, 767 SBA 7(a) loans were approved between fiscal 2010 and 2019 and 22 were charged off — a pooled rate of 2.9% for these brands against a 4.5% benchmark for all Child Day Care Services franchise loans. 0 brands with 20+ loans ran at more than twice the industry benchmark; 2 brands with 40+ loans recorded zero defaults. Statuses as of June 30, 2026.
- Brands tracked8
- SBA 7(a) loans, FY2010–2019767
- Charged off22
- Pooled rate, these brands2.9%
- Child Day Care Services benchmark (all franchise loans)4.5%
- All-franchise benchmark10.2%
- All SBA borrowers8.0%
- Lowest ratePrimrose Schools · 0.0%
- Highest rateThe Learning Experience · 7.4%
Which Child Day Care Services franchise brands have the highest and lowest SBA default rates?
Every Child Day Care Services brand with at least five resolved SBA 7(a) loans, sorted from highest to lowest default rate. Click a column heading to re-sort; use the filter to find a brand.
| Brand | Loans | Defaults | Rate | vs industry avg | Loans since 2020 | Early charge-offs |
|---|---|---|---|---|---|---|
| The Learning Experience | 108 | 8 | 7.4% | 1.6x | 188 | 0 |
| Kiddie Academy | 160 | 7 | 4.4% | 1.0x | 169 | 0 |
| The Goddard School | 194 | 6 | 3.1% | 0.7x | 264 | 0 |
| Primrose School | 41 | 1 | 2.4% | 0.5x | 0 | 0 |
| Childrens Lighthouse | 23 | 0 | 0.0% | — | 0 | 0 |
| Goddard Early Learning Center | 31 | 0 | 0.0% | — | 0 | 0 |
| Kids R Kids | 61 | 0 | 0.0% | — | 20 | 0 |
| Primrose Schools | 149 | 0 | 0.0% | — | 171 | 0 |
* Small sample (5–19 loans): rate shown for completeness; treat as a diligence flag, not a verdict. Loans since 2020 and early charge-offs are counts only — that cohort is too young for a rate.
Frequently asked
- Which Child Day Care Services franchises have the highest SBA default rates?
- Among Child Day Care Services brands with 20 or more SBA 7(a) loans approved FY2010–FY2019, the highest charge-off rates were The Learning Experience (7.4%), Kiddie Academy (4.4%), The Goddard School (3.1%). Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026.
- What is the Child Day Care Services franchise SBA default rate benchmark?
- Child Day Care Services franchise borrowers charged off 4.5% of SBA 7(a) loans approved FY2010–FY2019, compared with 10.2% for all franchises and 8.0% for all SBA borrowers.
Cite this page
Franchise Default Rates (2026). Child Day Care Services franchise SBA 7(a) default rates, FY2010–FY2019 cohort: 8 brands, pooled 2.9%. Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.
https://franchisefailurerates.com/industry/child-day-care-services/ · Data & methodology · Download the dataset (CSV)