SBA 7(a)/504 FOIA · FY1991–PRESENT · FLORIDA
The Goddard School franchise in Florida: what the public record shows
Franchisees of The Goddard School in Florida have taken 22 SBA loans since 1991 (average $2,606,536)— 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 2.9% is the better guide.
Loans in FL
22
Resolved
7
Local charge-off
thin
National charge-off
2.9%
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 The Goddard School'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.
| 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% | — |
| SYLVAN LEARNING, SYLVAN LEARNING CENTER, SYLVAN | 19 | 33.3% | 34 |
| Tutor Time | 19 | 0.0% | — |
| Discovery Point | 18 | 7.7% | — |
| Learning Express | 9 | thin | 9 |
| BRITISH SWIM SCHOOL | 8 | thin | 26 |
| Gymboree | 7 | thin | — |
Same sector, same state, same public records — how The Goddard School 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 The Goddard School's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →