How to finance a The Learning Experience in California

State:

The SBA 7(a) lenders funding the most The Learning Experience deals in California, from public loan records — typical The Learning Experience loan about $496K. A bank already funding the brand in your state knows it twice over.

Deal economics— what it takes to buy & finance The Learning Experience in California

$449K

Typical loan

range $405K–$487K

$499K

Est. purchase price

≈ loan ÷ 90%

$66,727

Cash to close

$49,889 down + fees

$5,810/mo

Typical payment

~9.5% · 10yr

$80,178/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

23 days

Typical time to fund

Lenders competing

more = leverage

8.35%

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 The Learning Experience in California

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

1.318 loans · $229M · Osage Beach, MOFull record →
2.2,539 loans · $965M · Columbus, OHFull record →
3.28 loans · $42M · Lehi, UTFull record →
4.242 loans · $281M · Chicago, ILFull record →
5.26 loans · $42M · Chicago, ILFull record →
6.24 loans · $21M · Raleigh, NCFull record →
7.3 loans · $2M · Minneapolis, MNFull record →

10+ funded The Learning Experience 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.

Vista Learning Center LLC in Vista, CA — $495K (2025) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$371K (75%)
Approved
11/12/2024
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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
ELK GROVE LEARNING in Sacramento, CA — $405K (2025) · FWBank
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$304K (75%)
Approval → funding
9 days
Approved
5/12/2025
First disbursed
5/21/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
35
Business age
New Business or 2 years or less
Industry
Child Care Services
Funded by FWBank · Lender record →
Your business? Claim this record · Request removal
Vista Learning Center LLC in Vista, CA — $40K (2025) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$20K (50%)
Approved
11/12/2024
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
32
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
The Learning Experience Newbury Park in Newbury Park, CA — $487K (2024) · First Bank of the Lake
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$365K (75%)
Approval → funding
97 days
Approved
4/9/2024
First disbursed
7/15/2024
Loan status
Current
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 →
Your business? Claim this record · Request removal
AARVYS TECHNOLOGIES LLC in Antioch, CA — $250K (2024) · Northeast Bank
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$188K (75%)
Approval → funding
23 days
Approved
8/28/2024
First disbursed
9/20/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
24
Business age
Existing or more than 2 years old
Industry
Child Care Services
Funded by Northeast Bank · Lender record →
Your business? Claim this record · Request removal
CLOUD NINE GLOBAL INC. in Corona, CA — $475K (2023) · Byline Bank
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$356K (75%)
Approval → funding
658 days
Approved
11/23/2022
First disbursed
9/11/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
50
Business age
Startup, Loan Funds will Open Business
Industry
Child Care Services
Funded by Byline Bank · Lender record →
Your business? Claim this record · Request removal
Bakersfield Learning LLC in Bakersfield, CA — $510K (2022) · LendingClub Bank, National Association
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$383K (75%)
Approval → funding
19 days
Approved
4/8/2022
First disbursed
4/27/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
21
Business age
Startup, Loan Funds will Open Business
Industry
Child Care Services
Funded by LendingClub Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Clovis Learning LLC in Clovis, CA — $449K (2021) · LendingClub Bank, National Association
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$404K (90%)
Approval → funding
20 days
Approved
9/10/2021
First disbursed
9/30/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
19
Business age
Startup, Loan Funds will Open Business
Industry
Child Day Care Services
Funded by LendingClub Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Edukiddies LLC in Vacaville, CA — $423K (2021) · First Bank of the Lake
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$317K (75%)
Approval → funding
42 days
Approved
11/24/2020
First disbursed
1/5/2021
Loan status
Paid in full (7/31/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
25
Business age
Startup, Loan Funds will Open Business
Industry
Child Day Care Services
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
Valencia Learning LLC in Valencia, CA — $438K (2020) · North State Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$328K (75%)
Approval → funding
16 days
Approved
9/14/2020
First disbursed
9/30/2020
Loan status
Paid in full (12/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
25
Business age
Startup, Loan Funds will Open Business
Industry
Child Day Care Services
Funded by North State Bank · Lender record →
Your business? Claim this record · Request removal

Buying a The Learning Experience 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.

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.

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 The Learning Experience loans with a California project address. Mega-bank call-center lenders excluded.

Agent summary

How to finance a The Learning Experience 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. First Bank of the Lake funds the most here. CapBench is not a lender.

$496K typical The Learning Experience loan
7 lenders active in California
10+ funded California deals
23 days typical to fund

Buyers buying a The Learning Experience 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 The Learning Experience lenders

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-20.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/franchise/the-learning-experience/california
API:: https://www.capbench.com/api/public/lenders?franchise=the-learning-experience
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.