SBA 7(a)/504 FOIA · FY1991–PRESENT · GEORGIA
Tutor Time franchise in Georgia: what the public record shows
Franchisees of Tutor Time in Georgia have taken 11 SBA loans since 1991 (average $266,372)— too few resolved loans in-state to publish a local failure rate (we require a resolved cohort, never extrapolate), so the brand's national rate of 15.3% is the better guide.
Loans in GA
11
Resolved
8
Local charge-off
thin
National charge-off
15.3%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = GA. 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 of 30 loans.
Businesses in this industry
2,721
statewide, all operators
Per 100k residents
24.3
national 26.5
Versus the country
-8%
thinner
Every business in Tutor Time's industry operating in Georgia — 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 GA | Local charge-off | Units in GA |
|---|---|---|---|
| Kids R Kids | 75 | 11.5% | — |
| PRIMROSE SCHOOLS | 57 | 0.0% | 50 |
| Primrose School (Daycare) | 40 | 8.6% | — |
| Discovery Point | 34 | 15.4% | — |
| The Goddard School | 32 | 0.0% | — |
| Goddard Early Learning Center | 25 | 0.0% | — |
| Kiddie Academy | 17 | thin | — |
| Huntington Learning Center | 13 | thin | — |
| SYLVAN LEARNING, SYLVAN LEARNING CENTER, SYLVAN | 9 | thin | 6 |
| Premier Martial Arts Studio | 8 | thin | — |
| The Learning Experience | 8 | thin | — |
| Tutor Doctor | 7 | thin | — |
Same sector, same state, same public records — how Tutor Time compares to the systems a buyer in Georgia 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 Tutor Time's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →