SBA 7(a)/504 FOIA · FY1991–PRESENT · TEXAS
Kids R Kids franchise in Texas: what the public record shows
Franchisees of Kids R Kids in Texas have taken 155 SBA loans in the FY1991–present FOIA files (average $1,900,330). Those approved through FY2020 defaulted less often than franchise loans made in the same years nationally: 2 charge-offs among 114 resolved loans, where about 20 would be expected (0.1×). Kids R Kids's national ratio is 0.3×.
Loans in TX
155
Charged off (all years)
2 of 115
Loss ratio in TX
0.1×
Loss ratio nationally
0.3×
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 Kids R Kids'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 Kids R Kids'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.
| System | Loans in TX | Charged off (all years) | Loss ratio in TX | Units in TX |
|---|---|---|---|---|
| PRIMROSE SCHOOLS | 217 | 1 of 142 | 0.04× | 142 |
| 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 | — | — |
| Montessori Kids Universe | 14 | 0 of 2 | — | 6 |
Other systems in Kids R Kids'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 Kids R Kids’ numbers, including talking you out of a bad deal.