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Franchise financing
Financing a The Goddard School franchise
SBA lenders have approved 700 loans against the The Goddard School brand since FY2010, totalling $1.31B. The median approval was $1,360,100, counted from loans lenders approved rather than projections in a disclosure document.
Rank by loan count
#9
of 1,651 brands
Loans approved
700
FY2010 onward
Median loan
$1,360,100
Typical range
$150K-$4.4M
Middle 80% of loans
Median term
11 yr
Charge-off rate
2.8%
215 resolved FY10-19 loans
Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.
Lenders
Who financed The Goddard School
| Lender | Loans | Approved | Share |
|---|---|---|---|
| Wells Fargo Bank | 110 | $235.2M | |
| Live Oak Banking Company | 46 | $152.5M | |
| PNC Bank | 32 | $83.4M | |
| TD Bank | 50 | $76.7M | |
| Capital One | 25 | $70.4M | |
| Banc of California | 16 | $45.7M | |
| Customers Bank | 33 | $44.5M | |
| United Community Bank | 15 | $43.5M |
Geography
Where The Goddard School units were financed
| State | Loans | Share |
|---|---|---|
| Texas | 88 | |
| New Jersey | 53 | |
| Ohio | 45 | |
| Pennsylvania | 40 | |
| Virginia | 38 | |
| North Carolina | 36 | |
| Illinois | 36 | |
| Colorado | 32 |
The industry codes most often recorded on The Goddard School loans: Child Care Services (624410), Elementary and Secondary Schools (611110), All Other Miscellaneous Schools and Instruction (611699). Each industry page lists the lenders and other brands in the same line of business.
Approvals by fiscal year
Loan count by fiscal year - a rough proxy for how fast the brand was opening units. Final bar is a partial year.
Loan sizes
- Under $50K1%
- $50K - $150K8%
- $150K - $350K7%
- $350K - $1M26%
- $1M - $2M18%
- Over $2M41%
Financing a franchise unit
Guidant Financial
Funds business and franchise buyers through 401(k) rollovers (ROBS), SBA loans, and portfolio lending, often combining them in one structure. Rollover structures are common among franchise buyers because they can supply the equity injection an SBA loan requires without taking on a second loan to do it.
Check options with Guidant FinancialApproved referral partner. We may be paid when a reader we refer starts an application. It changes nothing about the figures on this page. Those come from the SBA’s federal file.
An SBA 7(a) lender
An SBA 7(a) lender and marketplace for loans up to $500,000, plus bank term loans and custom financing. You apply on their site - we do not take applications and never see your information.
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Financing a The Goddard School: common questions
- How much do lenders finance for a The Goddard School franchise?
- The median SBA loan approved for a The Goddard School franchise is $1,360,100, with the middle 80% of loans between $150,000 and $4,420,000. That is the financed portion only - it excludes the buyer's equity injection. SBA lenders typically want that injection at 10% or more of total project cost for a business acquisition or new franchise unit.
- Which lenders finance The Goddard School franchises?
- By dollars approved, the most active SBA lenders for The Goddard School have been Wells Fargo Bank, Live Oak Banking Company, PNC Bank, TD Bank. Many franchise brands also maintain their own preferred-lender lists, and those may differ from who has historically approved the most volume.
- How long are The Goddard School SBA loans?
- The median term is 11 yr. SBA 7(a) terms run up to 10 years for working capital and equipment, and up to 25 years when the loan is secured by real estate - so a longer median usually means the loans included property.
- Do The Goddard School SBA loans get charged off often?
- 2.8% of The Goddard School loans approved between FY2010 and FY2019 that have reached a terminal status were charged off, against 7.6% across all SBA lending. Franchise-level charge-off rates reflect the era a brand expanded in as much as the concept itself - brands that grew hardest into the 2010s carry more seasoned, and more resolved, loans.
Compare other brands
Median loan size and charge-off rate across every franchise in the SBA record.
SBA lenders for franchises
Lenders ranked by franchise loans made, with the brands each one financed.
How SBA 7(a) works
The programme most franchise buyers use, explained end to end.
Buying a franchise with an SBA loan
Equity injection, the franchise directory, and what lenders check.
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