SBA 7(a)/504 FOIA · FY1991–PRESENT · ARIZONA
PRIMROSE SCHOOLS franchise in Arizona: what the public record shows
Franchisees of PRIMROSE SCHOOLS in Arizona have taken 9 SBA loans since 1991 (average $1,840,166)— 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 0.0% is the better guide. Its latest FDD Item 20 state table reports 13 franchised outlets in Arizona (fiscal 2025) — about 0.17 per 100k residents.
Loans in AZ
9
Resolved
4
Local charge-off
thin
National charge-off
0.0%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = AZ. 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
1,092
statewide, all operators
Per 100k residents
14.4
national 26.5
Versus the country
-46%
thinner
Every business in PRIMROSE SCHOOLS's industry operating in Arizona — 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 |
|---|---|---|
| 2023 | 11 | 0 |
| 2024 | 12 | 0 |
| 2025 | 13 | 0 |
| System | Loans in AZ | Local charge-off | Units in AZ |
|---|---|---|---|
| The Goddard School | 12 | thin | — |
| Goddard Early Learning Center | 7 | thin | — |
| SYLVAN LEARNING, SYLVAN LEARNING CENTER, SYLVAN | 7 | thin | 7 |
| Primrose School (Daycare) | 5 | thin | — |
| School of Rock | 5 | thin | — |
Same sector, same state, same public records — how PRIMROSE SCHOOLS compares to the systems a buyer in Arizona 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 PRIMROSE SCHOOLS's numbers, including talking you out of a bad deal.
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