SBA 7(a)/504 FOIA · FY1991–PRESENT · ARIZONA
The Goddard School franchise in Arizona: what the public record shows
Franchisees of The Goddard School in Arizona have taken 19 SBA loans in the FY1991–present FOIA files (average $1,723,063). Fewer than 30 of them were approved through FY2020 and have resolved, so no local loss ratio is published. The Goddard School's national ratio is 0.2×.
Loans in AZ
19
Charged off (all years)
1 of 9
Loss ratio in AZ
—
Loss ratio nationally
0.2×
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = AZ. 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
1,092
statewide, all operators
Per 100k residents
14.4
national 26.5
Versus the country
-46%
thinner
Every business in The Goddard School'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 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
$645
Arizona, BLS QCEW 2025
National average
$645
same industry, all states
Versus the country
+0%
costlier to staff
What The Goddard School's industry actually pays workers in Arizona, 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 AZ | Charged off (all years) | Loss ratio in AZ | Units in AZ |
|---|---|---|---|---|
| PRIMROSE SCHOOLS | 14 | 0 of 9 | — | 13 |
| THE LITTLE GYM | 9 | 1 of 7 | — | — |
| SYLVAN LEARNING | 7 | 3 of 4 | — | 7 |
| CODE NINJAS | 6 | 1 of 2 | — | 6 |
| School of Rock | 5 | 0 of 1 | — | — |
Other systems in The Goddard School's sector whose franchisees borrowed in Arizona. 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 The Goddard School’s numbers, including talking you out of a bad deal.