SBA 7(a)/504 FOIA · FY1991–PRESENT · PENNSYLVANIA
The Goddard School franchise in Pennsylvania: what the public record shows
Franchisees of The Goddard School in Pennsylvania have taken 41 SBA loans since 1991 (average $1,270,495), and of the 20 loans whose story has ended, 0.0% were charged off — versus 2.9% for The Goddard School nationally and 14.8% across all rateable franchise brands.
Loans in PA
41
Resolved
20
Local charge-off
0.0%
National charge-off
2.9%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = PA. 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.
Businesses in this industry
4,035
statewide, all operators
Per 100k residents
30.9
national 26.5
Versus the country
+17%
denser
Every business in The Goddard School's industry operating in Pennsylvania — 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 PA | Local charge-off | Units in PA |
|---|---|---|---|
| Kiddie Academy | 34 | 0.0% | — |
| Goddard Early Learning Center | 21 | 0.0% | — |
| The Learning Experience | 20 | thin | — |
| PRIMROSE SCHOOLS | 13 | thin | 9 |
| Huntington Learning Center | 12 | thin | — |
| SYLVAN LEARNING, SYLVAN LEARNING CENTER, SYLVAN | 11 | thin | 8 |
| Learning Express | 9 | thin | 10 |
| Goldfish Swim School | 8 | thin | — |
| Gymboree | 6 | thin | — |
| Ivybrook Academy | 5 | thin | 2 |
Same sector, same state, same public records — how The Goddard School compares to the systems a buyer in Pennsylvania 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 →