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Kumon, by the numbers

Kumon appears in 42 SBA 7(a) loans since 2020, with a 0% cohort charge-off (failure) rate — from public SBA 7(a) loan records (FY2020–present). Every figure below comes from real financed deals: what buyers paid, where, and how the loans performed.

SBA Franchise Directory: listed ✓ (identifier S0962)

42 deals since 2020 · typical deal $172K · 0% failure rate

42

Deals since 2020

$172K

Typical deal

4

Deals since FY2025

0%

Failure rate (FY20–23)

Kumon buyers almost always make it — a 0% failure rate puts it among the safest franchise bets on record.

What buyers pay for Kumon

Most Kumon deals financed between $100K and $350K. Above $350K, you're paying more than 75% of buyers did — make the seller earn it.

Monthly payment (10-yr)
$2,543
Down payment (10%)
$19K
Cash to close (all-in)
$26K

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 ~$26K)

Experience

Recent financings

  • LJ3 INC in Los Alamitos, CA — $854K (2025) · purchase · U.S. Bank, National Association
  • Bright Think Inc. in Anaheim, CA — $500K (2025) · U.S. Bank, National Association
  • Learn to Shine LLC in Minneapolis, MN — $364K (2025) · Bank of America, National Association
  • Learn to Shine LLC in Bloomington, MN — $344K (2025) · U.S. Bank, National Association
  • 3K Capital Partners in Tustin, CA — $951K (2024) · purchase · Gulf Coast Bank and Trust Company
  • Nuestro Mundo Educational Services LLC in Fairfield, CT — $195K (2024) · purchase · Truliant FCU
  • PPA Alam, LLC in Albany, CA — $172K (2024) · purchase · Plumas Bank
  • NIGETHAA EAGAN EDUCATION LLC in Saint Paul, MN — $156K (2024) · U.S. Bank, National Association
  • Celine Learning Academy in Celina, TX — $154K (2024) · One World Bank
  • KUMON MATH AND READING CENTER OF MARLTON in Marlton, NJ — $150K (2024) · Capital Bank, National Association

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

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Kumon brand mark

Who funds Kumon — and where

Every dot is a financed Kumon — 41 mapped.

Financed Kumon locations — list all 41 as text

Top lenders for this brand

  1. 1.U.S. Bank, National Association(6)
  2. 2.Manufacturers and Traders Trust Company(3)
  3. 3.The Huntington National Bank(3)
  4. 4.Mission Valley Bank(2)
  5. 5.First Merchants Bank(2)

Most active states

  1. 1.California (7 loans)Kumon lenders in California->
  2. 2.Texas (5 loans)Kumon lenders in Texas->
  3. 3.Maryland (3 loans)Kumon lenders in Maryland->
  4. 4.New Jersey (3 loans)Kumon lenders in New Jersey->
  5. 5.Minnesota (3 loans)Kumon lenders in Minnesota->
  6. 6.Missouri (2 loans)Kumon lenders in Missouri->
  7. 7.Michigan (2 loans)Kumon lenders in Michigan->
  8. 8.Hawaii (2 loans)Kumon lenders in Hawaii->

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Common questions

How much does a Kumon cost to buy or open?

The typical deal for Kumon is $172K across 42 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $19K of buyer cash on a typical deal.

How risky is Kumon?

0% of Kumon's FY2020–23 deals failed and were written off. Under 1% is excellent; 1–3% is normal; above 3% deserves hard questions before the LOI.

Can I finance a Kumon with an SBA loan?

Yes — Kumon has been SBA-financed 4 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a Kumon franchise

Most Kumon 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 Kumon deal financed for $172K, which points to about $19K of buyer cash on a typical purchase. Kumon is listed in the SBA Franchise Directory (identifier S0962), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Kumon — 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 Kumon — 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 Kumon — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Kumon is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

  • 42 SBA 7(a) deals since 2020
  • $172K typical deal
  • 4 deals since FY2025
  • 0% failure rate (FY20–23 cohort)
  • SBA Franchise Directory: listed (identifier S0962)
  • Top lenders: U.S. Bank, National Association, Manufacturers and Traders Trust Company, The Huntington National Bank

Next steps

Check SBA fitFind SBA lenders$9 lender report
Data freshness:
SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-07-29.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/franchises/kumon
API:
https://www.capbench.com/api/public/franchises/kumon
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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CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Kumon.

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