Franchise financing
The Goddard School franchise financing
What it costs to finance a The Goddard School 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
- 679
- Total funded
- $1.3B
- Median loan
- $1.4M
- 7(a) charge-off
- 1.0%
What financing a The Goddard School franchise costs
The median SBA loan to a The Goddard School franchisee is $1.4M, and the middle half of The Goddard School's 679 loans run $601K to $3.0M (average $1.9M). Across all SBA-financed franchises the median loan is $350K. The Goddard School 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 The Goddard School loan runs 11 years. Model your numbers with the franchise financing calculator.
Of the 627 The Goddard School loans where the SBA recorded a business age, 58.1% went to new businesses two years old or younger. The rest funded existing operations.
How to finance The Goddard School
The Goddard School franchisees have financed with 679 SBA loans since FY2010, averaging $1.9M each. Of those, 590 ran through the 7(a) program (franchise fee, build-out, equipment, and working capital) and 89 through 504 (owner-occupied real estate). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
The Goddard School's 7(a) charge-off rate is 1.0% across 590 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance The Goddard School
By SBA loan count
Where The Goddard School gets funded
Top states by loan count
- 1. Texas 86
- 2. New Jersey 52
- 3. Virginia 38
- 4. North Carolina 36
- 5. Colorado 32
- 6. Illinois 33
- 7. Massachusetts 27
- 8. Pennsylvania 40
Financing a The Goddard School?
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The Goddard School SBA financing FAQ
How much does a The Goddard School franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a The Goddard School franchisee is $1.4M, and the middle half of The Goddard School's 679 loans run $601K to $3.0M. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of The Goddard School's franchise disclosure document.
Can you use an SBA loan for The Goddard School?
Yes. Lenders have funded 679 SBA loans to The Goddard School franchisees, worth $1.3B in all, so The Goddard School is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for The Goddard School?
The data says yes: of The Goddard School's 627 SBA loans that record a business age, 58.1% 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 The Goddard School?
By loan count, the most active SBA lenders for The Goddard School are Wells Fargo Bank National Association, Live Oak Banking Company, PNC Bank, National Association, among others. A lender already active with your brand often moves faster.
What is The Goddard School's SBA charge-off rate?
Across The Goddard School's 590 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 The Goddard School?
Both. Of The Goddard School's 679 SBA loans, 590 were 7(a) (franchise fee, build-out, equipment, working capital) and 89 were 504 (owner-occupied real estate). The median The Goddard School loan term is 11 years.