SBA 7(a)/504 FOIA · FY1991–PRESENT · TEXAS
Club Z! franchise in Texas: what the public record shows
Franchisees of Club Z! in Texas have taken 5 SBA loans in the FY1991–present FOIA files (average $84,860). Fewer than 30 of them were approved through FY2020 and have resolved, so no local loss ratio is published. Club Z! has too few seasoned resolved loans nationally for a national ratio. Its latest FDD Item 20 state table reports 42 franchised outlets in Texas (fiscal 2019) — about 0.13 per 100k residents.
Loans in TX
5
Charged off (all years)
1 of 4
Loss ratio in TX
—
Loss ratio nationally
—
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = TX. 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
6,992
statewide, all operators
Per 100k residents
22.3
national 26.5
Versus the country
-16%
thinner
Every business in Club Z!'s industry operating in Texas — 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
$573
Texas, BLS QCEW 2025
National average
$645
same industry, all states
Versus the country
-11%
cheaper to staff
What Club Z!'s industry actually pays workers in Texas, 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 |
|---|---|---|
| 2017 | 41 | 0 |
| 2018 | 42 | 0 |
| 2019 | 42 | 0 |
| System | Loans in TX | Charged off (all years) | Loss ratio in TX | Units in TX |
|---|---|---|---|---|
| PRIMROSE SCHOOLS | 217 | 1 of 142 | 0.04× | 142 |
| Kids R Kids | 155 | 2 of 115 | 0.1× | — |
| The Goddard School | 105 | 1 of 38 | 0.2×NOT CLEAR | — |
| Kiddie Academy | 105 | 3 of 34 | 0.9×NOT CLEAR | — |
| Childrens Lighthouse | 93 | 0 of 39 | 0× | — |
| The Learning Experience | 73 | 6 of 28 | — | — |
| THE LITTLE GYM | 45 | 6 of 21 | — | — |
| SYLVAN LEARNING | 39 | 7 of 21 | — | 60 |
| Huntington Learning Center | 20 | 4 of 14 | — | — |
| CODE NINJAS | 17 | 5 of 11 | — | 24 |
| Gymboree | 17 | 3 of 12 | — | — |
| Premier Martial Arts Studio | 16 | 1 of 6 | — | — |
Other systems in Club Z!'s sector whose franchisees borrowed in Texas. 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 Club Z!’s numbers, including talking you out of a bad deal.