Updated with official SBA FOIA data through December 31, 2025
Looking for an SBA loan to buy or open a The Goddard School franchise? Not all lenders are equal — some banks fund dozens of The Goddard School 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 The Goddard School in 2025 using official FOIA data. Here are the lenders who fund the most deals.
Top SBA Lenders for The Goddard School (2025)
| # | Lender | Loans | Volume | Avg Rate |
|---|---|---|---|---|
| 1 | Live Oak Banking Company | 9 | $21.9M | 7.91% |
| 2 | Wells Fargo Bank National Association | 7 | $16.5M | 6.79% |
| 3 | First National Bank of Pennsylvania | 6 | $7.3M | 8.12% |
| 4 | Regions Bank | 3 | $3.9M | 7.00% |
| 5 | Southern Bancorp Bank | 2 | $1.1M | 8.12% |
| 6 | Citizens State Bank of New Castle | 2 | $2.6M | 8.75% |
| 7 | Capital One, National Association | 2 | $6.0M | 5.79% |
| 8 | United Community Bank | 2 | $1.9M | 8.00% |
| 9 | Plains State Bank | 1 | $4.9M | 6.25% |
| 10 | Readycap Lending, LLC | 1 | $350K | 9.75% |
| 11 | Meadows Bank | 1 | $1.1M | 8.50% |
| 12 | Texas Capital Bank | 1 | $4.7M | 6.25% |
| 13 | Stearns Bank National Association | 1 | $300K | 8.75% |
| 14 | Orrstown Bank | 1 | $288K | 10.00% |
| 15 | Bank of America, National Association | 1 | $1.2M | 6.68% |
Key Stats
- Total SBA loans for The Goddard School in 2025: 46
- Total volume: $86.6M
- Average loan size: $1.9M
- Average interest rate: 7.75%
- Rate range: 5.72% – 11.50%
- Top states: North Carolina (6), Indiana (5), Texas (4), New York (3), Washington (3), Connecticut (3), Colorado (3), Oklahoma (2), Maryland (2), Minnesota (2)
Why lender choice matters: The rate spread for The Goddard School loans ranges from 5.72% to 11.50%. On a $1.9M loan, that’s a difference of $109K/year in interest. Choosing the right lender can save you thousands.
How to Get the Best SBA Loan for The Goddard School
- Work with a lender who knows The Goddard School — The lenders above have funded multiple The Goddard School 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 The Goddard School?
GoSBA submits your The Goddard School 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.
