SBA 7(a)/504 FOIA · FY1991–PRESENT · COLORADO
The Goddard School franchise in Colorado: what the public record shows
Franchisees of The Goddard School in Colorado have taken 51 SBA loans in the FY1991–present FOIA files (average $1,804,455). Those approved through FY2020 defaulted less often than franchise loans made in the same years nationally: 0 charge-offs among 31 resolved loans, where about 4.4 would be expected (0×). The Goddard School's national ratio is 0.2×.
Loans in CO
51
Charged off (all years)
0 of 31
Loss ratio in CO
0×
Loss ratio nationally
0.2×
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = CO. 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
1,410
statewide, all operators
Per 100k residents
23.7
national 26.5
Versus the country
-11%
thinner
Every business in The Goddard School's industry operating in Colorado — 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
$732
Colorado, BLS QCEW 2025
National average
$645
same industry, all states
Versus the country
+13%
costlier to staff
What The Goddard School's industry actually pays workers in Colorado, 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 CO | Charged off (all years) | Loss ratio in CO | Units in CO |
|---|---|---|---|---|
| PRIMROSE SCHOOLS | 56 | 0 of 25 | — | 32 |
| Kiddie Academy | 14 | 1 of 3 | — | — |
| The Learning Experience | 13 | 0 of 3 | — | — |
| Premier Martial Arts Studio | 10 | 1 of 5 | — | — |
| THE LITTLE GYM | 10 | 1 of 3 | — | — |
| Ivybrook Academy | 6 | — | — | 4 |
| CODE NINJAS | 5 | 0 of 2 | — | 5 |
Other systems in The Goddard School's sector whose franchisees borrowed in Colorado. A loss ratio appears only where at least 30 loans approved through FY2020 have resolved; “—” means too few.
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