Ducklings Early Learning Center, by the numbers
Every figure below comes from real financed deals — what buyers paid, where, and how the loans performed.
SBA Franchise Directory: listed ✓ (identifier S3084)
11 deals since 2020 · typical deal $646K
11
Deals since 2020
$646K
Typical deal
2
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Ducklings Early Learning Center
Most Ducklings Early Learning Center deals financed between $350K and $784K. Above $784K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $8,448
- Down payment (10%)
- $72K
- Cash to close (all-in)
- $96K
Estimates at today's rates and standard 7(a) terms. Not a loan offer.
Could you get the loan?
Three answers. No documents, no credit pull.
Credit score
Available cash (you'll need ~$96K)
Experience
Recent financings
- Hill Cornerstone LLC in Oxford, PA — $760K (2026) · purchase · Wilmington Savings Fund Society FSB
- Program
- Preferred Lenders Program
- Rate at approval
- 8.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $570K (75%)
- Approved
- 3/13/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 37
- Business age
- Change of Ownership
- Industry
- Child Care Services
If you were the buyer here
- Est. deal size
- $844K
- Est. down payment (10%)
- $84K
- Est. cash at closing
- $116K
- Monthly payment
- $9,525
- Annual debt service
- $114K
- Cash flow needed (1.25×)
- $143K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Wilmington Savings Fund Society FSB · Lender record →
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- CP ALLIANCE GROUP LLC in Downingtown, PA — $1.1M (2025) · First National Bank of Pennsylvania
- Program
- Preferred Lenders Program
- Rate at approval
- 8.65% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $860K (75%)
- Approval → funding
- 15 days
- Approved
- 5/8/2025
- First disbursed
- 5/23/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 24
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Child Care Services
Funded by First National Bank of Pennsylvania · Lender record →
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- Ducks at Ponds Edge, LLC in West Chester, PA — $891K (2024) · BHCU D/B/A Propell Credit Union
- Program
- 7a General
- Rate at approval
- 11% variable
- Term
- 126 months
- SBA guaranteed
- $668K (75%)
- Approved
- 8/22/2024
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 60
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Child Care Services
Funded by BHCU D/B/A Propell Credit Union · Lender record →
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- Little Lennons Earley Learning Inc in Malvern, PA — $784K (2022) · Wilmington Savings Fund Society FSB
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 126 months
- SBA guaranteed
- $588K (75%)
- Approval → funding
- 10 days
- Approved
- 2/22/2022
- First disbursed
- 3/4/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 32
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Child Care Services
Funded by Wilmington Savings Fund Society FSB · Lender record →
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- Scarpignato Schooling, LLC in Wallingford, PA — $646K (2022) · Wilmington Savings Fund Society FSB
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 126 months
- SBA guaranteed
- $485K (75%)
- Approval → funding
- 16 days
- Approved
- 7/13/2022
- First disbursed
- 7/29/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 17
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Child Care Services
Funded by Wilmington Savings Fund Society FSB · Lender record →
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- Invitable LLC in Lancaster, PA — $625K (2021) · Wilmington Savings Fund Society FSB
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $563K (90%)
- Approval → funding
- 168 days
- Approved
- 7/1/2021
- First disbursed
- 12/16/2021
- Loan status
- Paid in full (12/31/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 20
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Child Day Care Services
Funded by Wilmington Savings Fund Society FSB · Lender record →
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- Foundational Readiness In Early Education Services, LLC in West Chester, PA — $530K (2021) · Wilmington Savings Fund Society FSB
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $477K (90%)
- Approval → funding
- 45 days
- Approved
- 2/15/2021
- First disbursed
- 4/1/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 21
- Business age
- Existing or more than 2 years old
- Industry
- Child Day Care Services
Funded by Wilmington Savings Fund Society FSB · Lender record →
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- The Little Things LLC in West Chester, PA — $743K (2020) · purchase · Manufacturers and Traders Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 4.75% variable
- Term
- 126 months
- SBA guaranteed
- $557K (75%)
- Approved
- 4/23/2020
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 26
- Business age
- Change of Ownership
- Industry
- Child Day Care Services
If you were the buyer here
- Est. deal size
- $825K
- Est. down payment (10%)
- $83K
- Est. cash at closing
- $113K
- Monthly payment
- $7,495
- Annual debt service
- $90K
- Cash flow needed (1.25×)
- $112K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Manufacturers and Traders Trust Company · Lender record →
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- A and Z Holdings LLC in West Chester, PA — $350K (2020) · Truist Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.19% fixed
- Term
- 2 months
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 39 days
- Approved
- 10/22/2019
- First disbursed
- 11/30/2019
- Loan status
- In workout — SBA bought the guarantee
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 40
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Child Day Care Services
Funded by Truist Bank · Lender record →
Your business? Claim this record · Request removal
- A and Z Holdings LLC in West Chester, PA — $80K (2020) · Truist Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.19% fixed
- Term
- 2 months
- SBA guaranteed
- $60K (75%)
- Approval → funding
- 25 days
- Approved
- 11/5/2019
- First disbursed
- 11/30/2019
- Loan status
- In workout — SBA bought the guarantee
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 40
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Child Day Care Services
Funded by Truist Bank · Lender record →
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Who funds Ducklings Early Learning Center — and where
Every dot is a financed Ducklings Early Learning Center — 11 mapped.
Financed Ducklings Early Learning Center locations — list all 11 as text
- Foundational Readiness In Early Education Services, LLC — West Chester · $530K · FY2021 · Child Day Care Services
- Hill Cornerstone LLC — Oxford · $760K · FY2026 · Child Care Services
- CP ALLIANCE GROUP LLC — Downingtown · $1.1M · FY2025 · Child Care Services
- The Little Things LLC — West Chester · $75K · FY2020 · Child Day Care Services
- The Little Things LLC — West Chester · $743K · FY2020 · Child Day Care Services
- Scarpignato Schooling, LLC — Wallingford · $646K · FY2022 · Child Care Services
- Ducks at Ponds Edge, LLC — West Chester · $891K · FY2024 · Child Care Services
- A and Z Holdings LLC — West Chester · $350K · FY2020 · Child Day Care Services
- A and Z Holdings LLC — West Chester · $80K · FY2020 · Child Day Care Services
- Little Lennons Earley Learning Inc — Malvern · $784K · FY2022 · Child Care Services
- Invitable LLC — Lancaster · $625K · FY2021 · Child Day Care Services
Top lenders for this brand
Most active states
- 1.Pennsylvania (11 loans)
Represent Ducklings Early Learning Center?
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Common questions
How much does a Ducklings Early Learning Center cost to buy or open?
The typical deal for Ducklings Early Learning Center is $646K across 11 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $71K of buyer cash on a typical deal.
How risky is Ducklings Early Learning Center?
Ducklings Early Learning Center has 11 SBA loans on record since 2020 — too few to score a reliable failure rate. Judge the unit economics and the franchisor's disclosure document, not a small sample.
Can I finance a Ducklings Early Learning Center with an SBA loan?
Yes — Ducklings Early Learning Center has been SBA-financed 2 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a Ducklings Early Learning Center franchise
Most Ducklings Early Learning Center buyers finance the purchase or build-out with an SBA 7(a) loan — up to 90% of the cost with roughly 10% down. The typical Ducklings Early Learning Center deal financed for $646K, which points to about $71K of buyer cash on a typical purchase. Ducklings Early Learning Center is listed in the SBA Franchise Directory (identifier S3084), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Ducklings Early Learning Center — a bank that knows the brand approves faster — or pre-qualify for financing to see your likely loan size first.
AI summary
This profile summarizes public SBA financing activity for Ducklings Early Learning Center — lender activity, typical loan sizes, financing history, and risk and failure signals where available — via CapBench SBA Intelligence. CapBench is not a lender.
Source: CapBench SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. CapBench is not a lender and does not guarantee financing.
Agent summary
This page summarizes public SBA 7(a) financing for Ducklings Early Learning Center — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Ducklings Early Learning Center is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 11 SBA 7(a) deals since 2020
- $646K typical deal
- 2 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S3084)
- Top lenders: Wilmington Savings Fund Society FSB, Manufacturers and Traders Trust Company, Truist Bank
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
- Methodology:
- Sources & methodology
- Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
- Figures come from public records and CapBench methodology; verify before relying on them.
- Financing figures are historical SBA loan records, not a current offer or franchise availability. Confirm SBA Franchise Directory listing with your lender before an LOI.
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Represent Ducklings Early Learning Center?
Claim this brand page to keep the numbers in context, add your story, and hear about qualified buyers early.
CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Ducklings Early Learning Center.