SBA 7(a)/504 FOIA · FY1991–PRESENT · COLORADO
Goddard Early Learning Center franchise in Colorado: what the public record shows
Franchisees of Goddard Early Learning Center in Colorado have taken 19 SBA loans since 1991 (average $1,086,321), and of the 17 loans whose story has ended, 0.0% were charged off — versus 4.3% for Goddard Early Learning Center nationally and 14.8% across all rateable franchise brands.
Loans in CO
19
Resolved
17
Local charge-off
0.0%
National charge-off
4.3%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = CO. Charge-off rate = charged-off ÷ (charged-off + paid-in-full); open loans excluded. A local rate is published only when the resolved cohort clears our floor.
Businesses in this industry
1,410
statewide, all operators
Per 100k residents
23.7
national 26.5
Versus the country
-11%
thinner
Every business in Goddard Early Learning Center's industry operating in Colorado — franchised and independent — from the Census Bureau's County Business Patterns (2023), against 2024 population estimates. Counter-intuitively, density is not a warning: across 198 brand-state cells in our loan data, the densest quartile charges off at 5.6% versus 18.1% in the thinnest. A crowded market is usually proven demand; an empty one is often empty for a reason.
| System | Loans in CO | Local charge-off | Units in CO |
|---|---|---|---|
| PRIMROSE SCHOOLS | 38 | 0.0% | 32 |
| The Goddard School | 32 | 0.0% | — |
| Primrose School (Daycare) | 18 | 0.0% | — |
| Kiddie Academy | 14 | thin | — |
| The Learning Experience | 13 | thin | — |
| Premier Martial Arts Studio | 10 | thin | — |
| Ivybrook Academy | 6 | thin | 4 |
Same sector, same state, same public records — how Goddard Early Learning Center compares to the systems a buyer in Colorado would actually be choosing between. Local rates under 10 resolved loans are marked thin, not hidden.
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