Childrens Lighthouse Franchise Failure Rate
SBA 7(a) loan default data, FY2010–FY2019 · Updated 2026
Childrens Lighthouse franchisees defaulted on 0.0% of SBA 7(a) loans between FY2010 and FY2019 — 0 of 23 loans were charged off — according to U.S. Small Business Administration data. That is lower than the Child Day Care Services industry average of 4.5%.
- 0.0%SBA default rate0 of 23 loans
- 23loans resolvedapproved FY2010–FY2019
- 4.5%Child Day Care Services averageall SBA loans in the industry
- 1st lowestindustry rankof 7 Child Day Care Services brands
| SBA default rate | 0.0% |
|---|---|
| Loans approved | 23 |
| Loans charged off | 0 |
| Date range | FY2010–FY2019 |
| Industry | Child Day Care Services |
| Industry average | 4.5% |
| Data source | U.S. SBA 7(a) FOIA loan data |
Most SBA default figures published online use loans approved since 2020 — loans that have had six years or less to fail — so those rates are floors, not outcomes. Every rate on this site is computed from the matured FY2010–FY2019 cohort: loans that have been paid in full or charged off, so the result is settled. Loans approved since 2020 are shown as counts so early charge-offs are visible without being mistaken for a rate.
Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026. Figures also in the comparison table below.
None of the 23 Childrens Lighthouse SBA borrowers in the sample failed to repay — well below the Child Day Care Services average of 4.5%.
What is the Childrens Lighthouse franchise failure rate on SBA loans?
Childrens Lighthouse is a Child Day Care Services franchise. This page reports the outcome of every SBA 7(a) loan the U.S. Small Business Administration's public FOIA file attributes to Childrens Lighthouse franchisees: 23 loans approved between fiscal 2010 and 2019, of which 0 were charged off. Loan statuses are as of June 30, 2026, and the cohort has matured, so these are settled outcomes rather than projections.
- SBA 7(a) loans approved FY2010–FY201923
- Charged off0
- Charge-off rate0.0%
- Child Day Care Services franchise benchmark4.5%
- All-franchise SBA benchmark10.2%
- Average loan size, 2010s cohort$2,012,091
How does Childrens Lighthouse compare with other Child Day Care Services franchises?
The table sets Childrens Lighthouse's charge-off rate beside its Child Day Care Services peers and the two economy-wide benchmarks. All figures use the same cohort — SBA 7(a) loans approved FY2010–FY2019, statuses as of June 30, 2026 — and the same denominator of resolved loans, so they are directly comparable.
| Measure | Childrens Lighthouse | Child Day Care Services | All franchises | All SBA borrowers |
|---|---|---|---|---|
| Default (charge-off) rate | 0.0% | 4.5% | 10.2% | 8.0% |
| Loans in sample | 23 | — | — | — |
| Defaults | 0 | — | — | — |
| Average loan size | $2,012,091 | — | — | — |
Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026.
Show the numbers behind this chart
| Fiscal year | Loans | Charged off | Rate |
|---|---|---|---|
| FY2011 | 1 | 0 | 0.0% |
| FY2013 | 6 | 0 | 0.0% |
| FY2014 | 3 | 0 | 0.0% |
| FY2015 | 3 | 0 | 0.0% |
| FY2016 | 7 | 0 | 0.0% |
| FY2017 | 3 | 0 | 0.0% |
How to read this
A charge-off means a franchisee borrowed, operated, and failed severely enough that the SBA wrote off the government-guaranteed loan. Unlike franchisor marketing or Item 19 disclosures, this is an observed outcome recorded by a federal agency. One caveat cuts the other way: SBA borrowers are typically less capitalized than all-cash buyers, so these rates can overstate risk for well-funded operators.
How reliable is this number?
Childrens Lighthouse's figure rests on 23 resolved SBA 7(a) loans approved between fiscal 2010 and 2019. That cohort has matured, so the rate is a settled outcome, not a projection. With 23 resolved loans, one default moves the rate by about 4.3 percentage points. Loans approved since 2020 are excluded from the rate because most are still outstanding; they appear on this page as counts only. Every Childrens Lighthouse figure is recomputed from the public SBA FOIA file on each rebuild.
Based on 23 resolved loans — directional, not precise.
Is Childrens Lighthouse in financial trouble? What the SBA data shows
Childrens Lighthouse's SBA 7(a) default rate was 0.0% for loans approved FY2010–FY2019 (0 of 23 loans charged off) — the lowest of 7 Child Day Care Services brands tracked here. A default rate this far below the Child Day Care Services average of 4.5% is not, on its own, a sign of distress.
Frequently asked
- What is Childrens Lighthouse's franchise failure rate?
- Childrens Lighthouse franchisees defaulted on 0.0% of SBA 7(a) loans between FY2010 and FY2019 — 0 of 23 loans were charged off — according to U.S. Small Business Administration data. That is lower than the Child Day Care Services industry average of 4.5%.
- How does Childrens Lighthouse compare to other Child Day Care Services franchises?
- Childrens Lighthouse's 0.0% SBA default rate is lower than the Child Day Care Services industry average of 4.5%. See every Child Day Care Services franchise ranked on the Child Day Care Services industry page. Child Day Care Services franchises →
- What does 'SBA default rate' mean?
- An SBA default rate is the share of SBA 7(a) loans, approved FY2010–FY2019 and since resolved (paid in full or charged off), that were charged off — written off after the borrower failed to repay. It is not a measure of unit closures.
Source
Source: U.S. Small Business Administration, 7(a) loan program charge-off data, FY2010–FY2019. Franchise data is matched on the SBA's franchise code / brand name. "Failure rate" here means the share of approved loans (resolved: paid in full or charged off) that were charged off; it is not a measure of unit closures. Last updated September 30, 2026.
Every brand in one table, with percentiles and breakdowns by year, industry and loan size: franchise SBA default rates, all 415 brands.
Cite this page
Franchise Default Rates (2026). Childrens Lighthouse franchise SBA 7(a) default rate, FY2010–FY2019 cohort: 0.0% (0 of 23 loans charged off). Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.
https://franchisefailurerates.com/franchise/childrens-lighthouse/ · Data & methodology · Download the dataset (CSV)