SBA 7(a)/504 FOIA · FY1991–PRESENT · VIRGINIA
CELEBREE SCHOOLS franchise in Virginia: what the public record shows
Franchisees of CELEBREE SCHOOLS in Virginia have taken 8 SBA loans in the FY1991–present FOIA files (average $1,819,112). Fewer than 30 of them were approved through FY2020 and have resolved, so no local loss ratio is published. CELEBREE SCHOOLS has too few seasoned resolved loans nationally for a national ratio. Its latest FDD Item 20 state table reports 9 franchised outlets in Virginia (fiscal 2025) — about 0.1 per 100k residents.
Loans in VA
8
Charged off (all years)
—
Loss ratio in VA
—
Loss ratio nationally
—
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = VA. Loss ratio = charge-offs among loans approved through FY2020 ÷ the charge-offs expected if each had defaulted at the national rate for franchise loans approved the same year; 1.0× is the same. Only charged-off and paid-in-full loans count. A ratio is shown at 30+ such loans; “not clear” marks a ratio chance alone could produce. The all-years count mixes every era and is evidence, not a rate to compare. Borrowers are matched to the brand by name and SBA franchise code; some matches may be wrong or missing.
Businesses in this industry
2,194
statewide, all operators
Per 100k residents
24.9
national 26.5
Versus the country
-6%
thinner
Every business in CELEBREE SCHOOLS's industry operating in Virginia — franchised and independent — from the Census Bureau's County Business Patterns (2023), against 2024 population estimates. Counter-intuitively, density is not a warning: across the brand-state cells in the loan data, denser markets have historically charged off less often than the thinnest (see the research page). A crowded market is usually proven demand; an empty one is often empty for a reason.
Avg weekly wage, this industry
$667
Virginia, BLS QCEW 2025
National average
$645
same industry, all states
Versus the country
+3%
costlier to staff
What CELEBREE SCHOOLS's industry actually pays workers in Virginia, from the Bureau of Labor Statistics' Quarterly Census of Employment and Wages (2025), employment-weighted across counties. This cost signal is independent of the FDD: a market can look demand-rich above and still carry a margin headwind here if local wages run hot for the sector.
| Fiscal year | Franchised | Company-owned |
|---|---|---|
| 2023 | 6 | — |
| 2024 | 8 | — |
| 2025 | 9 | — |
| System | Loans in VA | Charged off (all years) | Loss ratio in VA | Units in VA |
|---|---|---|---|---|
| The Goddard School | 54 | 0 of 29 | — | — |
| Kiddie Academy | 36 | 2 of 14 | — | — |
| PRIMROSE SCHOOLS | 28 | 0 of 13 | — | 22 |
| The Learning Experience | 22 | 0 of 9 | — | — |
| Huntington Learning Center | 10 | 4 of 9 | — | — |
| SYLVAN LEARNING | 10 | 2 of 10 | — | 9 |
| CODE NINJAS | 8 | 0 of 7 | — | 10 |
| Montessori Kids Universe | 6 | 0 of 2 | — | 3 |
| School of Rock | 5 | 0 of 1 | — | — |
Other systems in CELEBREE SCHOOLS's sector whose franchisees borrowed in Virginia. A loss ratio appears only where at least 30 loans approved through FY2020 have resolved; “—” means too few.
A broker is usually paid by the franchisor to place you. I'm paid only by you, never by a franchisor you're considering — and the job is pressure-testing CELEBREE SCHOOLS’ numbers, including talking you out of a bad deal.