SBA 7(a)/504 FOIA · FY1991–PRESENT · FLORIDA
Learning Express franchise in Florida: what the public record shows
Franchisees of Learning Express in Florida have taken 9 SBA loans since 1991 (average $177,555)— 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 22.5% is the better guide. Its latest FDD Item 20 state table reports 9 franchised outlets in Florida (fiscal 2019) — about 0.04 per 100k residents.
Loans in FL
9
Resolved
8
Local charge-off
thin
National charge-off
22.5%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = FL. 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
5,345
statewide, all operators
Per 100k residents
22.9
national 26.5
Versus the country
-14%
thinner
Every business in Learning Express's industry operating in Florida — 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.
| Fiscal year | Franchised | Company-owned |
|---|---|---|
| 2017 | 13 | — |
| 2018 | 13 | — |
| 2019 | 9 | — |
| System | Loans in FL | Local charge-off | Units in FL |
|---|---|---|---|
| PRIMROSE SCHOOLS | 48 | 0.0% | 35 |
| Kids R Kids | 33 | 0.0% | — |
| The Learning Experience | 33 | 0.0% | — |
| Kiddie Academy | 32 | 25.0% | — |
| Huntington Learning Center | 30 | 29.2% | — |
| Primrose School (Daycare) | 23 | 0.0% | — |
| The Goddard School | 22 | thin | — |
| SYLVAN LEARNING, SYLVAN LEARNING CENTER, SYLVAN | 19 | 33.3% | 34 |
| Tutor Time | 19 | 0.0% | — |
| Discovery Point | 18 | 7.7% | — |
| BRITISH SWIM SCHOOL | 8 | thin | 26 |
| Gymboree | 7 | thin | — |
Same sector, same state, same public records — how Learning Express compares to the systems a buyer in Florida 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 Learning Express's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →