Franchise financing
Kids 'R' Kids franchise financing
What it costs to finance a Kids 'R' Kids 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
- 125
- Total funded
- $322.1M
- Median loan
- $2.3M
- 7(a) charge-off
- 0.0%
What financing a Kids 'R' Kids franchise costs
The median SBA loan to a Kids 'R' Kids franchisee is $2.3M, and the middle half of Kids 'R' Kids's 125 loans run $1.0M to $4.2M (average $2.6M). Across all SBA-financed franchises the median loan is $350K. Kids 'R' Kids 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 Kids 'R' Kids loan runs 25 years. Model your numbers with the franchise financing calculator.
Of the 112 Kids 'R' Kids loans where the SBA recorded a business age, 47.3% went to new businesses two years old or younger. The rest funded existing operations.
How to finance Kids 'R' Kids
Kids 'R' Kids franchisees have financed with 125 SBA loans since FY2010, averaging $2.6M each. Of those, 97 ran through the 7(a) program (franchise fee, build-out, equipment, and working capital) and 28 through 504 (owner-occupied real estate). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
Kids 'R' Kids's 7(a) charge-off rate is 0.0% across 97 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance Kids 'R' Kids
By SBA loan count
Where Kids 'R' Kids gets funded
Top states by loan count
- 1. Texas 65
- 2. Florida 15
- 3. Georgia 15
- 4. North Carolina 3
- 5. New Jersey 7
- 6. Colorado 2
- 7. South Carolina 3
- 8. Nebraska 3
Financing a Kids 'R' Kids?
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.
Kids 'R' Kids SBA financing FAQ
How much does a Kids 'R' Kids franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a Kids 'R' Kids franchisee is $2.3M, and the middle half of Kids 'R' Kids's 125 loans run $1.0M to $4.2M. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of Kids 'R' Kids's franchise disclosure document.
Can you use an SBA loan for Kids 'R' Kids?
Yes. Lenders have funded 125 SBA loans to Kids 'R' Kids franchisees, worth $322.1M in all, so Kids 'R' Kids is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for Kids 'R' Kids?
The data says yes: of Kids 'R' Kids's 112 SBA loans that record a business age, 47.3% 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 Kids 'R' Kids?
By loan count, the most active SBA lenders for Kids 'R' Kids are PNC Bank, National Association, Plains State Bank, Members Choice CU, among others. A lender already active with your brand often moves faster.
What is Kids 'R' Kids's SBA charge-off rate?
Across Kids 'R' Kids's 97 SBA 7(a) loans, 0.0% 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 Kids 'R' Kids?
Both. Of Kids 'R' Kids's 125 SBA loans, 97 were 7(a) (franchise fee, build-out, equipment, working capital) and 28 were 504 (owner-occupied real estate). The median Kids 'R' Kids loan term is 25 years.