Health & Medical · lender intelligence
How to finance a Kiddie Academy
The SBA 7(a) lenders funding the most Kiddie Academy deals, ranked from public loan records — typical Kiddie Academy loan about $696K, 0% failure rate across 189 loans. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Kiddie Academy
$696K
Typical loan
range $347K–$2.59M
$773K
Est. purchase price
≈ loan ÷ 90%
$103,419
Cash to close
$77,322 down + fees
$9,005/mo
Typical payment
~9.5% · 10yr
$124,269/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
100.0%
Still performing
0% default · FY20–23
27 days
Typical time to fund
49
Lenders competing
more = leverage
7.11%
Avg rate on record
cap ~9.75%
Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.
Most active with Kiddie Academy
Ranked by funded Kiddie Academy loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.72 loans · $30M · Oconomowoc, WIFull record →
- 2.1,296 loans · $1.4B · Wilmington, NCFull record →
- 3.31 loans · $24M · Malvern, PAFull record →
- 4.1,322 loans · $185M · Wilmington, DEFull record →
- 5.2,539 loans · $965M · Columbus, OHFull record →
- 6.47 loans · $39M · Greenville, PAFull record →
- 7.75 loans · $98M · Sioux Falls, SDFull record →
- 8.8 loans · $17M · Hilton Head Island, SCFull record →
- 9.1,927 loans · $207M · Buffalo, NYFull record →
- 10.105 loans · $164M · Brookline, MAFull record →
- 11.128 loans · $40M · Wilmington, DEFull record →
- 12.318 loans · $229M · Osage Beach, MOFull record →
- 13.19 loans · $18M · Salt Lake City, UTFull record →
- 14.2 loans · $0M · Pine Bluff, ARFull record →
- 15.19 loans · $5M · Columbus, OHFull record →
- 16.868 loans · $362M · Salt Lake City, UTFull record →
- 17.16 loans · $21M · Las Vegas, NVFull record →
- 18.105 loans · $72M · Wilmington, DEFull record →
- 19.7 loans · $3M · Humble, TXFull record →
- 20.31 loans · $39M · Conshohocken, PAFull record →
- 21.1 loans · $0M · St. Louis, MOFull record →
- 22.4 loans · $4M · Hauppauge, NYFull record →
- 23.36 loans · $46M · Los Angeles, CAFull record →
- 24.66 loans · $68M · Milford, IAFull record →
- 25.65 loans · $52M · Lancaster, PAFull record →
189+ funded Kiddie Academy deals
Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.
- Nittle Ones 2 LLC in Orangevale, CA — $5.0M (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 7.5% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $3.8M (75%)
- Approval → funding
- 38 days
- Approved
- 12/23/2025
- First disbursed
- 1/30/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Child Care Services
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- Kiddie Academy of Temple-Belton in Belton, TX — $5.0M (2026) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 312 mo (26 yrs)
- SBA guaranteed
- $3.8M (75%)
- Approved
- 1/7/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 32
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Child Care Services
Funded by First Bank of the Lake · Lender record →
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- Kinship Academy1 Inc. in Mechanicsville, VA — $5.0M (2026) · The Bancorp Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 7.5% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $3.8M (75%)
- Approved
- 3/10/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 25
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Child Care Services
Funded by The Bancorp Bank National Association · Lender record →
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- AKA Institute, LLC in University Place, WA — $4.5M (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 7.55% variable
- Term
- 132 mo (11 yrs)
- SBA guaranteed
- $3.3M (75%)
- Approval → funding
- 29 days
- Approved
- 11/18/2025
- First disbursed
- 12/17/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 22
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Child Care Services
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- DEVI EDUCATION CENTER LLC in Suwanee, GA — $4.4M (2026) · Enterprise Bank & Trust
- Program
- Preferred Lenders Program
- Rate at approval
- 6.75% fixed
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $3.3M (75%)
- Approved
- 2/27/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 13
- Business age
- New Business or 2 years or less
- Industry
- Child Care Services
Funded by Enterprise Bank & Trust · Lender record →
Your business? Claim this record · Request removal
- KA Allen LLC in Allen, TX — $4.3M (2026) · purchase · Plains State Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6.25% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $3.2M (75%)
- Approved
- 2/24/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Business age
- Change of Ownership
- Industry
- Child Care Services
If you were the buyer here
- Est. deal size
- $4.8M
- Est. down payment (10%)
- $476K
- Est. cash at closing
- $658K
- Monthly payment
- $48,065
- Annual debt service
- $577K
- Cash flow needed (1.25×)
- $721K
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 Plains State Bank · Lender record →
Your business? Claim this record · Request removal
- KA Ops LLC in Mckinney, TX — $4.0M (2026) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 7.5% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $3.0M (75%)
- Approval → funding
- 14 days
- Approved
- 1/9/2026
- First disbursed
- 1/23/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 22
- Business age
- Change of Ownership
- Industry
- Child Care Services
If you were the buyer here
- Est. deal size
- $4.5M
- Est. down payment (10%)
- $450K
- Est. cash at closing
- $622K
- Monthly payment
- $29,929
- Annual debt service
- $359K
- Cash flow needed (1.25×)
- $449K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- School Days LLC in Edina, MN — $2.6M (2026) · Old National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.35% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.9M (75%)
- Approval → funding
- 20 days
- Approved
- 11/25/2025
- First disbursed
- 12/15/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 54
- Business age
- New Business or 2 years or less
- Industry
- Child Care Services
Funded by Old National Bank · Lender record →
Your business? Claim this record · Request removal
- BADAM CHILDCARE INC. in Centreville, VA — $2.0M (2026) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 7.35% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.5M (75%)
- Approved
- 2/24/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 18
- Business age
- Change of Ownership
- Industry
- Child Care Services
If you were the buyer here
- Est. deal size
- $2.2M
- Est. down payment (10%)
- $219K
- Est. cash at closing
- $302K
- Monthly payment
- $23,289
- Annual debt service
- $279K
- Cash flow needed (1.25×)
- $349K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- Lone Star Learning Partners, Inc. in Cypress, TX — $1.1M (2026) · purchase · Wells Fargo Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 7.45% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $798K (75%)
- Approved
- 1/2/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Business age
- Change of Ownership
- Industry
- Child Care Services
If you were the buyer here
- Est. deal size
- $1.2M
- Est. down payment (10%)
- $118K
- Est. cash at closing
- $162K
- Monthly payment
- $12,600
- Annual debt service
- $151K
- Cash flow needed (1.25×)
- $189K
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 Wells Fargo Bank National Association · Lender record →
Your business? Claim this record · Request removal
- OFFLEMITS INC. in Lake Elmo, MN — $1.0M (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.2% variable
- Term
- 126 months
- SBA guaranteed
- $765K (75%)
- Approved
- 11/13/2025
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Individual
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Child Care Services
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- OFFLEMITS INC. in Woodbury, MN — $1.0M (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.2% variable
- Term
- 126 months
- SBA guaranteed
- $765K (75%)
- Approval → funding
- 4 days
- Approved
- 11/17/2025
- First disbursed
- 11/21/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Child Care Services
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- KA Colleyville LLC in Colleyville, TX — $866K (2026) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.25% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $650K (75%)
- Approved
- 3/23/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 16
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Child Care Services
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Nolensville Learning Academy LLC in Nolensville, TN — $840K (2026) · First National Bank of Pennsylvania
- Program
- Preferred Lenders Program
- Rate at approval
- 7.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $630K (75%)
- Approval → funding
- 31 days
- Approved
- 12/8/2025
- First disbursed
- 1/8/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 54
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Child Care Services
Funded by First National Bank of Pennsylvania · Lender record →
Your business? Claim this record · Request removal
- KA Colleyville LLC in Colleyville, TX — $622K (2026) · Wells Fargo Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 7.87% fixed
- Term
- 132 mo (11 yrs)
- SBA guaranteed
- $467K (75%)
- Approved
- 1/8/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 25
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Child Care Services
Funded by Wells Fargo Bank National Association · Lender record →
Your business? Claim this record · Request removal
- KA O Fallon Business LLC in O Fallon, MO — $344K (2026) · Capital Community Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $258K (75%)
- Approved
- 2/23/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 28
- Business age
- New Business or 2 years or less
- Industry
- Child Care Services
Funded by Capital Community Bank · Lender record →
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- Dumfries Daycare LLC in Dumfries, VA — $325K (2026) · Bank Five Nine
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $244K (75%)
- Approved
- 12/15/2025
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 30
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Child Care Services
Funded by Bank Five Nine · Lender record →
Your business? Claim this record · Request removal
- Vinayak Vidyala Inc. in Porter, TX — $250K (2026) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $188K (75%)
- Approved
- 2/11/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Child Care Services
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Nolensville Learning Academy LLC in Nolensville, TN — $150K (2026) · First National Bank of Pennsylvania
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $75K (50%)
- Approval → funding
- 30 days
- Approved
- 12/8/2025
- First disbursed
- 1/7/2026
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 54
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Child Care Services
Funded by First National Bank of Pennsylvania · Lender record →
Your business? Claim this record · Request removal
- Kiddie Academy of Elkton in Elkton, MD — $150K (2026) · Celtic Bank Corporation
- Program
- Preferred Lenders Program
- Rate at approval
- 11.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approved
- 2/12/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Existing or more than 2 years old
- Industry
- Child Care Services
Funded by Celtic Bank Corporation · Lender record →
Your business? Claim this record · Request removal
Buying a Kiddie Academy? Start with a lender that has funded the brand
We'll point you to the SBA lenders already financing this brand — and help you make them compete on rate and speed.
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CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Kiddie Academy businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Kiddie Academy purchase with an SBA 7(a) loan: the lenders that fund the brand most (from public records), the typical loan size, and what it takes to qualify. Bank Five Nine funds the most. CapBench is not a lender.
- $696K typical Kiddie Academy loan
- 0% failure rate (FY20–23)
- 49 lenders fund the brand
- 27 days typical to fund
Buyers researching a Kiddie Academy typically pre-qualify for SBA 7(a) financing next, then ask CapBench to introduce a lender that already funds the brand — free for buyers; agents can submit a consented lead via the CapBench MCP.
- 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.