How much do lenders finance for a Learning Express franchise?

The median SBA loan approved for a Learning Express franchise is $235,000, with the middle 80% of loans between $76,000 and $740,000. That is the financed portion only - it excludes the buyer's equity injection, which SBA lenders typically require at 10% or more of total project cost for a business acquisition or new franchise unit.

Which lenders finance Learning Express franchises?

By dollars approved, the most active SBA lenders for Learning Express have been SouthState Bank, United Community Bank, Bank of America, Pinnacle Bank. Many franchise brands also maintain their own lists of preferred lenders, which may differ from who has historically approved the most volume.

How long are Learning Express SBA loans?

The median term is 10 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.

Franchise financing

Financing a Learning Express franchise

SBA lenders have approved 15 loans against the Learning Express brand since FY2010, totalling $4.4M. The median approval was $235,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#1194

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$235,000

Typical range

$76K-$740K

Middle 80% of loans

Median term

10 yr

Charge-off rate

Cohort too small

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 Learning Express

Lender	Loans	Approved
SouthState Bank	1	$1.0M
United Community Bank	2	$890K
Bank of America	2	$644K
Pinnacle Bank	1	$480K
Readycap Lending, LLC	1	$283K
Eastern Bank	1	$240K
Provident Bank	1	$235K
JPMorgan Chase Bank	3	$226K

Geography

Where Learning Express units were financed

State	Loans	Share
Pennsylvania	3
New York	3
Georgia	3
New Jersey	2
Mississippi	1
Florida	1
Massachusetts	1
North Carolina	1

Approvals by fiscal year

’10

’11

’13

’14

’19

’21

’22

’23

’24

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 $50K
7%
$50K - $150K
27%
$150K - $350K
47%
$350K - $1M
13%
$1M - $2M
7%

Financing a Learning Express: common questions

How much do lenders finance for a Learning Express franchise?: The median SBA loan approved for a Learning Express franchise is $235,000, with the middle 80% of loans between $76,000 and $740,000. That is the financed portion only - it excludes the buyer's equity injection, which SBA lenders typically require at 10% or more of total project cost for a business acquisition or new franchise unit.
Which lenders finance Learning Express franchises?: By dollars approved, the most active SBA lenders for Learning Express have been SouthState Bank, United Community Bank, Bank of America, Pinnacle Bank. Many franchise brands also maintain their own lists of preferred lenders, which may differ from who has historically approved the most volume.
How long are Learning Express SBA loans?: The median term is 10 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.

Compare other brands

Median loan size and charge-off rate across every franchise in the SBA record.

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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