SBA 7(a)/504 FOIA · FY1991–PRESENT · FLORIDA
Kiddie Academy franchise in Florida: what the public record shows
Franchisees of Kiddie Academy in Florida have taken 32 SBA loans since 1991 (average $1,361,818), and of the 12 loans whose story has ended, 25.0% were charged off — versus 6.9% for Kiddie Academy nationally and 14.8% across all rateable franchise brands.
Loans in FL
32
Resolved
12
Local charge-off
25.0%
National charge-off
6.9%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = FL. 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
5,345
statewide, all operators
Per 100k residents
22.9
national 26.5
Versus the country
-14%
thinner
Every business in Kiddie Academy's industry operating in Florida — 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 FL | Local charge-off | Units in FL |
|---|---|---|---|
| PRIMROSE SCHOOLS | 48 | 0.0% | 35 |
| Kids R Kids | 33 | 0.0% | — |
| The Learning Experience | 33 | 0.0% | — |
| Huntington Learning Center | 30 | 29.2% | — |
| Primrose School (Daycare) | 23 | 0.0% | — |
| The Goddard School | 22 | thin | — |
| SYLVAN LEARNING, SYLVAN LEARNING CENTER, SYLVAN | 19 | 33.3% | 34 |
| Tutor Time | 19 | 0.0% | — |
| Discovery Point | 18 | 7.7% | — |
| Learning Express | 9 | thin | 9 |
| BRITISH SWIM SCHOOL | 8 | thin | 26 |
| Gymboree | 7 | thin | — |
Same sector, same state, same public records — how Kiddie Academy compares to the systems a buyer in Florida would actually be choosing between. Local rates under 10 resolved loans are marked thin, not hidden.
A broker is paid by the franchisor to place you. An independent CPA is paid by you — and the job is pressure-testing Kiddie Academy's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →