Franchise financing
Kiddie Academy franchise financing
What it costs to finance a Kiddie Academy franchise and how buyers fund it. The real numbers: how much gets borrowed, which lenders fund it, and the track record.
By Mario Bailey · Source: SBA FOIA data, as of 2026-03-31
- SBA loans
- 504
- Total funded
- $776.9M
- Median loan
- $889K
- 7(a) charge-off
- 1.0%
What financing a Kiddie Academy franchise costs
The median SBA loan to a Kiddie Academy franchisee is $889K, and the middle half of Kiddie Academy's 504 loans run $400K to $2.4M (average $1.5M). Across all SBA-financed franchises the median loan is $350K. Kiddie Academy buyers borrow more than the typical franchisee.
These are loan amounts, not the brand's total startup cost. Buyers also put in equity (the SBA generally wants at least 10% down on a new franchise), and the brand's own investment estimate is Item 7 of its franchise disclosure document (FDD). The median Kiddie Academy loan runs about 11 years (126 months). Model your numbers with the franchise financing calculator.
Of the 475 Kiddie Academy loans where the SBA recorded a business age, 69.5% went to new businesses two years old or younger. The rest funded existing operations.
How to finance Kiddie Academy
Kiddie Academy franchisees have financed with 504 SBA loans since FY2010, averaging $1.5M each. Of those, 413 ran through the 7(a) program (franchise fee, build-out, equipment, and working capital) and 91 through 504 (owner-occupied real estate). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
Kiddie Academy's 7(a) charge-off rate is 1.0% across 413 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance Kiddie Academy
By SBA loan count
Where Kiddie Academy gets funded
Top states by loan count
- 1. Texas 97
- 2. Illinois 39
- 3. North Carolina 26
- 4. Maryland 36
- 5. Georgia 16
- 6. Florida 26
- 7. California 21
- 8. Virginia 33
Financing a Kiddie Academy?
Get matched with the SBA lenders that actually fund businesses like yours, ranked on real loan data by state, industry, and size. Independent: your details go only to the lenders we match you to, never to data brokers.
Kiddie Academy SBA financing FAQ
How much does a Kiddie Academy franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a Kiddie Academy franchisee is $889K, and the middle half of Kiddie Academy's 504 loans run $400K to $2.4M. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of Kiddie Academy's franchise disclosure document.
Can you use an SBA loan for Kiddie Academy?
Yes. Lenders have funded 504 SBA loans to Kiddie Academy franchisees, worth $776.9M in all, so Kiddie Academy is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for Kiddie Academy?
The data says yes: of Kiddie Academy's 475 SBA loans that record a business age, 69.5% went to new businesses two years old or younger. Expect the lender to look harder at your experience, business plan, and equity injection.
Which lenders finance Kiddie Academy?
By loan count, the most active SBA lenders for Kiddie Academy are Live Oak Banking Company, The Huntington National Bank, The Bancorp Bank National Association, among others. A lender already active with your brand often moves faster.
What is Kiddie Academy's SBA charge-off rate?
Across Kiddie Academy's 413 SBA 7(a) loans, 1.0% have charged off. Read it as a relative track-record signal, not a prediction. It is not a lifetime default rate.
Which SBA program fits Kiddie Academy?
Both. Of Kiddie Academy's 504 SBA loans, 413 were 7(a) (franchise fee, build-out, equipment, working capital) and 91 were 504 (owner-occupied real estate). The median Kiddie Academy loan term is about 11 years (126 months).