Education & Childcare · lender intelligence

How to finance a Kumon in California

State:

Connecticut (1)Florida (1)Georgia (2)Hawaii (2)Illinois (1)Kansas (1)Maryland (3)Massachusetts (1)Michigan (2)Minnesota (3)Missouri (2)New Jersey (3)

The SBA 7(a) lenders funding the most Kumon deals in California, from public loan records — typical Kumon loan about $172K. A bank already funding the brand in your state knows it twice over.

Deal economics— what it takes to buy & finance Kumon in California

$500K

Typical loan

range $172K–$854K

$556K

Est. purchase price

≈ loan ÷ 90%

$74,306

Cash to close

$55,556 down + fees

$6,470/mo

Typical payment

~9.5% · 10yr

$89,286/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

11 days

Typical time to fund

Lenders competing

more = leverage

9.09%

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 in California

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

1.33 loans · $54M · Sun Valley, CAFull record →
2.78 loans · $79M · New Orleans, LAFull record →
3.20 loans · $8M · Saint Petersburg, FLFull record →
4.29 loans · $28M · Quincy, CAFull record →

7+ funded Kumon in California 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
Program
Preferred Lenders Program
Rate at approval
8.15% variable
Term
120 mo (10 yrs)
SBA guaranteed
$640K (75%)
Approval → funding
55 days
Approved
3/25/2025
First disbursed
5/19/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Business age
Change of Ownership
Industry
Exam Preparation and Tutoring
If you were the buyer here
Est. deal size
$948K
Est. down payment (10%)
$95K
Est. cash at closing
$130K
Monthly payment
$10,424
Annual debt service
$125K
Cash flow needed (1.25×)
$156K
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 U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Bright Think Inc. in Anaheim, CA — $500K (2025) · U.S. Bank, National Association
Program
Preferred Lenders Program
Rate at approval
7.99% variable
Term
120 mo (10 yrs)
SBA guaranteed
$375K (75%)
Approval → funding
82 days
Approved
11/12/2024
First disbursed
2/2/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Business age
New Business or 2 years or less
Industry
Other Technical and Trade Schools
Funded by U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal
3K Capital Partners in Tustin, CA — $951K (2024) · purchase · Gulf Coast Bank and Trust Company
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$713K (75%)
Approval → funding
38 days
Approved
2/27/2024
First disbursed
4/5/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
24
Business age
Change of Ownership
Industry
Exam Preparation and Tutoring
If you were the buyer here
Est. deal size
$1.1M
Est. down payment (10%)
$106K
Est. cash at closing
$145K
Monthly payment
$12,571
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 Gulf Coast Bank and Trust Company · Lender record →
Your business? Claim this record · Request removal
PPA Alam, LLC in Albany, CA — $172K (2024) · purchase · Plumas Bank
Program
Preferred Lenders Program
Rate at approval
8.75% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$129K (75%)
Approval → funding
7 days
Approved
9/23/2024
First disbursed
9/30/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Change of Ownership
Industry
Exam Preparation and Tutoring
If you were the buyer here
Est. deal size
$191K
Est. down payment (10%)
$19K
Est. cash at closing
$26K
Monthly payment
$2,156
Annual debt service
$26K
Cash flow needed (1.25×)
$32K
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 Plumas Bank · Lender record →
Your business? Claim this record · Request removal
Forever BBB Inc. in Chino Hills, CA — $80K (2024) · BayFirst National Bank
Program
Preferred Lenders Program
Rate at approval
13.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$68K (85%)
Approval → funding
4 days
Approved
3/14/2024
First disbursed
3/18/2024
Loan status
Paid in full (3/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
2
Business age
Existing or more than 2 years old
Industry
Exam Preparation and Tutoring
Funded by BayFirst National Bank · Lender record →
Your business? Claim this record · Request removal
Polestar Learning Inc in San Ramon, CA — $464K (2023) · Mission Valley Bank
Program
Preferred Lenders Program
Rate at approval
8.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$348K (75%)
Approval → funding
11 days
Approved
10/20/2022
First disbursed
10/31/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
17
Business age
New Business or 2 years or less
Industry
Exam Preparation and Tutoring
Funded by Mission Valley Bank · Lender record →
Your business? Claim this record · Request removal
KUMON MATH AND READING CENTER OF PORTER RANCH in Porter Ranch, CA — $503K (2022) · purchase · Mission Valley Bank
Program
Preferred Lenders Program
Rate at approval
6.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$377K (75%)
Approval → funding
9 days
Approved
7/19/2022
First disbursed
7/28/2022
Loan status
Paid in full (3/31/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
16
Business age
Change of Ownership
Industry
Exam Preparation and Tutoring
If you were the buyer here
Est. deal size
$559K
Est. down payment (10%)
$56K
Est. cash at closing
$75K
Monthly payment
$5,779
Annual debt service
$69K
Cash flow needed (1.25×)
$87K
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 Mission Valley Bank · Lender record →
Your business? Claim this record · Request removal

Buying a Kumon in California? Start with a lender that funds them here

We'll point you to the SBA lenders already financing this brand in your state — and help you make them compete on rate and speed.

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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.

By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision.

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

Agent summary

How to finance a Kumon purchase in California with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded California deals. Mission Valley Bank funds the most here. CapBench is not a lender.

$172K typical Kumon loan
5 lenders active in California
7+ funded California deals
11 days typical to fund

Buyers buying a Kumon in California typically pre-qualify, then ask CapBench to introduce a lender already funding the brand here — free for buyers; agents submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker All Kumon lenders

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-24.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/franchise/kumon/california
API:: https://www.capbench.com/api/public/lenders?franchise=kumon&state=CA
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.