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Education & Childcare · lender intelligence

How to finance a Kumon

The SBA 7(a) lenders funding the most Kumon deals, ranked from public loan records — typical Kumon loan about $172K, 0% failure rate across 42 loans. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Kumon

$172K

Typical loan

range $100K–$350K

$191K

Est. purchase price

≈ loan ÷ 90%

$25,561

Cash to close

$19,111 down + fees

$2,518/mo

Typical payment

~12.5% · 10yr

$34,748/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

100.0%

Still performing

0% default · FY20–23

20 days

Typical time to fund

28

Lenders competing

more = leverage

8.07%

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 Kumon

Ranked by funded Kumon loans. Tap a lender to open its full record, or hit Get in touch for an introduction.

  1. 1.1,927 loans · $207M · Buffalo, NYFull record →
  2. 2.2,539 loans · $965M · Columbus, OHFull record →
  3. 3.33 loans · $54M · Sun Valley, CAFull record →
  4. 4.88 loans · $96M · Muncie, INFull record →
  5. 5.20 loans · $1M · Honolulu, HIFull record →
  6. 6.20 loans · $8M · Saint Petersburg, FLFull record →
  7. 7.15 loans · $15M · Houston, MOFull record →
  8. 8.20 loans · $21M · Miami, FLFull record →
  9. 9.5 loans · $16M · Humble, TXFull record →
  10. 10.34 loans · $12M · Wood River, NEFull record →
  11. 11.97 loans · $96M · Raleigh, NCFull record →
  12. 12.35 loans · $33M · Providence, RIFull record →
  13. 13.78 loans · $79M · New Orleans, LAFull record →
  14. 14.52 loans · $50M · Rockville, MDFull record →
  15. 15.57 loans · $74M · Winston-Salem, NCFull record →
  16. 16.29 loans · $28M · Quincy, CAFull record →
  17. 17.4 loans · $4M · Hauppauge, NYFull record →
  18. 18.7 loans · $1M · Mattoon, ILFull record →
  19. 19.3 loans · $4M · Dallas, TXFull record →
  20. 20.4 loans · $2M · Little Rock, ARFull record →
  21. 21.16 loans · $14M · Arlington, MAFull record →
  22. 22.1 loans · $2M · Manhattan, KSFull record →
  23. 23.618 loans · $171M · Salt Lake City, UTFull record →

42+ funded Kumon 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.

  • 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
  • SoCo Academic Learning & Education Center, LLC in Saint Louis, MO — $149K (2024) · First Mid Bank & Trust, National Association
  • LP Learning Inc. in Farmington Hills, MI — $144K (2024) · purchase · First Merchants Bank
  • Julie Tsai in Shirley, NY — $100K (2024) · Dime Community Bank
  • Forever BBB Inc. in Chino Hills, CA — $80K (2024) · BayFirst National Bank
  • LP Learning Inc in Farmington Hills, MI — $15K (2024) · purchase · First Merchants Bank
  • Polestar Learning Inc in San Ramon, CA — $464K (2023) · Mission Valley Bank
  • P & S Tech Solutions Inc in Andover, MA — $338K (2023) · purchase · Leader Bank, National Association
  • CNK-Center LLC in Overland Park, KS — $315K (2023) · purchase · Landmark National Bank
  • AMP EDUCATION SERVICES INC in Madison, WI — $186K (2023) · U.S. Bank, National Association
  • Math and Reading Tutors of Woodstock Northeast LLC in Woodstock, GA — $150K (2023) · Bank OZK

Buying a Kumon? 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.

Free · No documents · Usually same-day

Backed by data on 1,000+ SBA lenders and 300,000+ funded deals. Your details go only to lending partners you ask to be matched with — never sold to advertisers.

CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Kumon businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Kumon 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. Manufacturers and Traders Trust Company funds the most. CapBench is not a lender.

  • $172K typical Kumon loan
  • 0% failure rate (FY20–23)
  • 28 lenders fund the brand
  • 20 days typical to fund

Buyers researching a Kumon 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.

Next steps

Pre-qualify this dealTalk to a loan brokerKumon record
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.
Canonical:
https://www.capbench.com/lenders/franchise/kumon
API:
https://www.capbench.com/api/public/lenders?franchise=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.
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