SBA 7(a)/504 FOIA · FY1991–PRESENT · TEXAS
Montessori Kids Universe franchise in Texas: what the public record shows
Franchisees of Montessori Kids Universe in Texas have taken 14 SBA loans since 1991 (average $772,428)— 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 9.1% is the better guide. Its latest FDD Item 20 state table reports 6 franchised outlets in Texas (fiscal 2025) — about 0.02 per 100k residents.
Loans in TX
14
Resolved
2
Local charge-off
thin
National charge-off
9.1%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = TX. 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
6,992
statewide, all operators
Per 100k residents
22.3
national 26.5
Versus the country
-16%
thinner
Every business in Montessori Kids Universe'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 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
$573
Texas, BLS QCEW 2025
National average
$645
same industry, all states
Versus the country
-11%
cheaper to staff
What Montessori Kids Universe'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 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.
| Fiscal year | Franchised | Company-owned |
|---|---|---|
| 2023 | 7 | — |
| 2024 | 6 | — |
| 2025 | 6 | — |
| System | Loans in TX | Local charge-off | Units in TX |
|---|---|---|---|
| Kids R Kids | 155 | 1.7% | — |
| Primrose School (Daycare) | 113 | 1.0% | — |
| Kiddie Academy | 105 | 8.8% | — |
| PRIMROSE SCHOOLS | 104 | 0.0% | 142 |
| Childrens Lighthouse | 93 | 0.0% | — |
| The Goddard School | 89 | 3.7% | — |
| The Learning Experience | 73 | 21.4% | — |
| SYLVAN LEARNING | 39 | 33.3% | 60 |
| College Hunks Hauling Junk | 25 | 58.3% | 12 |
| Huntington Learning Center | 20 | 28.6% | — |
| Gymboree | 17 | 25.0% | — |
| Goddard Early Learning Center | 16 | 0.0% | — |
Same sector, same state, same public records — how Montessori Kids Universe compares to the systems a buyer in Texas 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 Montessori Kids Universe's numbers, including talking you out of a bad deal.