SBA 7(a)/504 FOIA · FY1991–PRESENT · NORTH CAROLINA
SYLVAN LEARNING, SYLVAN LEARNING CENTER, SYLVAN franchise in North Carolina: what the public record shows
Franchisees of SYLVAN LEARNING, SYLVAN LEARNING CENTER, SYLVAN in North Carolina have taken 19 SBA loans since 1991 (average $184,031), and of the 17 loans whose story has ended, 17.6% were charged off — versus 23.9% for SYLVAN LEARNING, SYLVAN LEARNING CENTER, SYLVAN nationally and 14.8% across all rateable franchise brands. Its latest FDD Item 20 state table reports 29 franchised outlets in North Carolina (fiscal 2025) — about 0.26 per 100k residents.
Loans in NC
19
Resolved
17
Local charge-off
17.6%
National charge-off
23.9%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = NC. 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
2,826
statewide, all operators
Per 100k residents
25.6
national 26.5
Versus the country
-3%
thinner
Every business in SYLVAN LEARNING, SYLVAN LEARNING CENTER, SYLVAN's industry operating in North Carolina — 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.
| Fiscal year | Franchised | Company-owned |
|---|---|---|
| 2023 | 28 | — |
| 2024 | 29 | — |
| 2025 | 29 | — |
| System | Loans in NC | Local charge-off | Units in NC |
|---|---|---|---|
| PRIMROSE SCHOOLS | 37 | 0.0% | 26 |
| The Goddard School | 37 | 7.7% | — |
| Kiddie Academy | 30 | 0.0% | — |
| Primrose School (Daycare) | 20 | 0.0% | — |
| Kids R Kids | 16 | 6.7% | — |
| The Learning Experience | 12 | thin | — |
| Childrens Lighthouse | 10 | thin | — |
| Goddard Early Learning Center | 8 | thin | — |
| Ivybrook Academy | 8 | thin | 0 |
| Huntington Learning Center | 7 | thin | — |
| School of Rock | 6 | thin | — |
Same sector, same state, same public records — how SYLVAN LEARNING, SYLVAN LEARNING CENTER, SYLVAN compares to the systems a buyer in North Carolina 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 SYLVAN LEARNING, SYLVAN LEARNING CENTER, SYLVAN's numbers, including talking you out of a bad deal.
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