Franchise financing
Primrose Schools franchise financing
What it costs to finance a Primrose Schools 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
- 571
- Total funded
- $1.3B
- Median loan
- $2.0M
- 7(a) charge-off
- 0.0%
What financing a Primrose Schools franchise costs
The median SBA loan to a Primrose Schools franchisee is $2.0M, and the middle half of Primrose Schools's 571 loans run $807K to $3.6M (average $2.3M). Across all SBA-financed franchises the median loan is $350K. Primrose Schools 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 Primrose Schools loan runs 25 years. Model your numbers with the franchise financing calculator.
Of the 543 Primrose Schools loans where the SBA recorded a business age, 60.2% went to new businesses two years old or younger. The rest funded existing operations.
How to finance Primrose Schools
Primrose Schools franchisees have financed with 571 SBA loans since FY2010, averaging $2.3M each. Of those, 398 ran through the 7(a) program (franchise fee, build-out, equipment, and working capital) and 173 through 504 (owner-occupied real estate). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
Primrose Schools's 7(a) charge-off rate is 0.0% across 398 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance Primrose Schools
By SBA loan count
Where Primrose Schools gets funded
Top states by loan count
- 1. Texas 103
- 2. Georgia 57
- 3. Florida 48
- 4. North Carolina 36
- 5. Colorado 37
- 6. New Jersey 27
- 7. Virginia 18
- 8. Ohio 23
Financing a Primrose Schools?
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.
Primrose Schools SBA financing FAQ
How much does a Primrose Schools franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a Primrose Schools franchisee is $2.0M, and the middle half of Primrose Schools's 571 loans run $807K to $3.6M. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of Primrose Schools's franchise disclosure document.
Can you use an SBA loan for Primrose Schools?
Yes. Lenders have funded 571 SBA loans to Primrose Schools franchisees, worth $1.3B in all, so Primrose Schools is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for Primrose Schools?
The data says yes: of Primrose Schools's 543 SBA loans that record a business age, 60.2% 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 Primrose Schools?
By loan count, the most active SBA lenders for Primrose Schools are Live Oak Banking Company, Meadows Bank, Wells Fargo Bank National Association, among others. A lender already active with your brand often moves faster.
What is Primrose Schools's SBA charge-off rate?
Across Primrose Schools's 398 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 Primrose Schools?
Both. Of Primrose Schools's 571 SBA loans, 398 were 7(a) (franchise fee, build-out, equipment, working capital) and 173 were 504 (owner-occupied real estate). The median Primrose Schools loan term is 25 years.