SBA 7(a)/504 FOIA · FY1991–PRESENT · NEW YORK
Kiddie Academy franchise in New York: what the public record shows
Franchisees of Kiddie Academy in New York have taken 33 SBA loans since 1991 (average $741,006), and of the 21 loans whose story has ended, 14.3% were charged off — versus 6.9% for Kiddie Academy nationally and 14.8% across all rateable franchise brands.
Loans in NY
33
Resolved
21
Local charge-off
14.3%
National charge-off
6.9%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = NY. 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
7,543
statewide, all operators
Per 100k residents
38
national 26.5
Versus the country
+43%
denser
Every business in Kiddie Academy's industry operating in New York — 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.
Avg weekly wage, this industry
$719
New York, BLS QCEW 2025
National average
$645
same industry, all states
Versus the country
+11%
costlier to staff
What Kiddie Academy's industry actually pays workers in New York, from the Bureau of Labor Statistics' Quarterly Census of Employment and Wages (2025), employment-weighted across counties. This is a real cost signal 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.
| System | Loans in NY | Local charge-off | Units in NY |
|---|---|---|---|
| The Learning Experience | 34 | 7.7% | — |
| Tutor Time | 21 | 0.0% | — |
| SYLVAN LEARNING | 17 | 16.7% | 13 |
| The Goddard School | 15 | thin | — |
| Huntington Learning Center | 9 | thin | — |
| Goldfish Swim School | 6 | thin | — |
| School of Rock | 6 | thin | — |
Same sector, same state, same public records — how Kiddie Academy compares to the systems a buyer in New York 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. I'm paid by you — and the job is pressure-testing Kiddie Academy's numbers, including talking you out of a bad deal.