Updated with official SBA FOIA data through December 31, 2025
Looking for an SBA loan to buy or open a Kiddie Academy franchise? Not all lenders are equal — some banks fund dozens of Kiddie Academy deals per year while others have never touched one. Working with a lender who knows your franchise means faster approvals, better terms, and fewer surprises.
We analyzed every SBA 7(a) loan for Kiddie Academy in 2025 using official FOIA data. Here are the lenders who fund the most deals.
Top SBA Lenders for Kiddie Academy (2025)
| # | Lender | Loans | Volume | Avg Rate |
|---|---|---|---|---|
| 1 | Live Oak Banking Company | 10 | $28.9M | 8.07% |
| 2 | Bank Five Nine | 4 | $1.2M | 9.00% |
| 3 | First National Bank of Pennsylvania | 4 | $2.2M | 9.12% |
| 4 | TD Bank, National Association | 3 | $819K | 7.70% |
| 5 | First Utah Bank | 3 | $8.5M | 9.50% |
| 6 | Citizens Bank | 1 | $400K | 10.00% |
| 7 | Bank of America, National Association | 1 | $2.0M | 6.85% |
| 8 | Fulton Bank, National Association | 1 | $2.6M | 9.50% |
| 9 | First Bank of the Lake | 1 | $4.7M | 9.75% |
| 10 | Coastal States Bank | 1 | $390K | 9.00% |
| 11 | Meadows Bank | 1 | $306K | 9.75% |
| 12 | Old National Bank | 1 | $2.6M | 7.35% |
| 13 | Wilmington Savings Fund Society FSB | 1 | $935K | 9.75% |
| 14 | Rockland Trust Company | 1 | $150K | 9.50% |
| 15 | Commercial Bank of California | 1 | $4.6M | 9.25% |
Key Stats
- Total SBA loans for Kiddie Academy in 2025: 35
- Total volume: $61.1M
- Average loan size: $1.7M
- Average interest rate: 8.74%
- Rate range: 6.85% – 10.50%
- Top states: Virginia (5), Minnesota (3), Maryland (3), Ohio (3), Tennessee (3), Utah (3), New Jersey (2), Georgia (2), California (2), Washington (1)
Why lender choice matters: The rate spread for Kiddie Academy loans ranges from 6.85% to 10.50%. On a $1.7M loan, that’s a difference of $64K/year in interest. Choosing the right lender can save you thousands.
How to Get the Best SBA Loan for Kiddie Academy
- Work with a lender who knows Kiddie Academy — The lenders above have funded multiple Kiddie Academy deals and understand the franchise model
- Submit to multiple lenders — Don’t accept the first term sheet. Competition drives rates down.
- Get your franchise agreement ready — SBA lenders will need your FDD, franchise agreement, and any territory documents
- Prepare financial projections — Most lenders require a business plan with 3-year projections for franchise loans
Getting an SBA Loan for Kiddie Academy?
GoSBA submits your Kiddie Academy deal to 50+ SBA lenders simultaneously — including all the top lenders listed above. Completely free, with a custom business plan & projections included.
Data source: U.S. Small Business Administration FOIA 7(a) loan data, calendar year 2025.
