SBA 7(a)/504 FOIA · FY1991–PRESENT · TEXAS
Tutor Time franchise in Texas: what the public record shows
Franchisees of Tutor Time in Texas have taken 14 SBA loans since 1991 (average $309,864), and of the 10 loans whose story has ended, 40.0% were charged off — versus 15.3% for Tutor Time nationally and 14.8% across all rateable franchise brands.
Loans in TX
14
Resolved
10
Local charge-off
40.0%
National charge-off
15.3%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = TX. 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
6,992
statewide, all operators
Per 100k residents
22.3
national 26.5
Versus the country
-16%
thinner
Every business in Tutor Time's industry operating in Texas — 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 TX | Local charge-off | Units in TX |
|---|---|---|---|
| Kids R Kids | 155 | 1.7% | — |
| Primrose School (Daycare) | 113 | 1.0% | — |
| Kiddie Academy | 105 | 8.8% | — |
| PRIMROSE SCHOOLS | 104 | 0.0% | 142 |
| Childrens Lighthouse | 93 | 0.0% | — |
| The Goddard School | 89 | 3.7% | — |
| The Learning Experience | 73 | 21.4% | — |
| SYLVAN LEARNING, SYLVAN LEARNING CENTER, SYLVAN | 39 | 33.3% | 60 |
| Huntington Learning Center | 20 | 28.6% | — |
| Gymboree | 17 | 25.0% | — |
| Goddard Early Learning Center | 16 | 0.0% | — |
| Premier Martial Arts Studio | 16 | thin | — |
Same sector, same state, same public records — how Tutor Time compares to the systems a buyer in Texas 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 Tutor Time's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →