SBA 7(a)/504 FOIA · FY1991–PRESENT · GEORGIA
Tutor Time franchise in Georgia: what the public record shows
Franchisees of Tutor Time in Georgia have taken 11 SBA loans in the FY1991–present FOIA files (average $266,372). Fewer than 30 of them were approved through FY2020 and have resolved, so no local loss ratio is published. Tutor Time's national ratio is 0.9× (not clearly different from 1.0×).
Loans in GA
11
Charged off (all years)
2 of 8
Loss ratio in GA
—
Loss ratio nationally (not clear)
0.9×
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = GA. 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
2,721
statewide, all operators
Per 100k residents
24.3
national 26.5
Versus the country
-8%
thinner
Every business in Tutor Time's industry operating in Georgia — 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
$585
Georgia, BLS QCEW 2025
National average
$645
same industry, all states
Versus the country
-9%
cheaper to staff
What Tutor Time's industry actually pays workers in Georgia, 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 GA | Charged off (all years) | Loss ratio in GA | Units in GA |
|---|---|---|---|---|
| PRIMROSE SCHOOLS | 97 | 3 of 63 | 0.3× | 50 |
| Kids R Kids | 75 | 7 of 61 | 0.8×NOT CLEAR | — |
| The Goddard School | 57 | 0 of 36 | 0× | — |
| Discovery Point | 34 | 4 of 26 | — | — |
| THE LITTLE GYM | 25 | 2 of 8 | — | — |
| Kiddie Academy | 17 | 1 of 6 | — | — |
| Huntington Learning Center | 13 | 3 of 6 | — | — |
| CODE NINJAS | 9 | 0 of 4 | — | 10 |
| SYLVAN LEARNING | 9 | 1 of 7 | — | 6 |
| Premier Martial Arts Studio | 8 | 0 of 3 | — | — |
| The Learning Experience | 8 | 1 of 2 | — | — |
| Tutor Doctor | 7 | 3 of 7 | — | — |
Other systems in Tutor Time's sector whose franchisees borrowed in Georgia. 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 Tutor Time’s numbers, including talking you out of a bad deal.