SBA 7(a)/504 FOIA · FY1991–PRESENT · MASSACHUSETTS
Goddard Early Learning Center franchise in Massachusetts: what the public record shows
Franchisees of Goddard Early Learning Center in Massachusetts have taken 6 SBA loans since 1991 (average $495,533)— 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 4.3% is the better guide.
Loans in MA
6
Resolved
4
Local charge-off
thin
National charge-off
4.3%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = MA. 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
2,551
statewide, all operators
Per 100k residents
35.7
national 26.5
Versus the country
+35%
denser
Every business in Goddard Early Learning Center's industry operating in Massachusetts — 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 MA | Local charge-off | Units in MA |
|---|---|---|---|
| The Goddard School | 30 | thin | — |
| PRIMROSE SCHOOLS | 18 | thin | 12 |
| The Learning Experience | 17 | thin | — |
| SYLVAN LEARNING, SYLVAN LEARNING CENTER, SYLVAN | 11 | thin | 2 |
| Kiddie Academy | 9 | thin | — |
| Arthur Murray Dance Studio | 7 | thin | — |
| Goldfish Swim School | 6 | thin | — |
| Huntington Learning Center | 5 | thin | — |
| School of Rock | 5 | thin | — |
Same sector, same state, same public records — how Goddard Early Learning Center compares to the systems a buyer in Massachusetts 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 Goddard Early Learning Center's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →