Kumon
42
SBA Loans
$12.0M
Total Financed
$285K
Avg Loan Size
-64%
YoY Loan Growth
How Kumon Compares
- Ranks #5 of 72 Education & Training brands by SBA loan count (#275 of 3,543 overall).
- Its average loan of $285K is 83% above the Education & Training median of $156K.
- Its 0.0% charge-off rate compares to a 2.6% average across all Education & Training brands.
SBA Loan Activity by Fiscal Year
| Fiscal Year | Loans | Total Financed |
|---|---|---|
| FY2020 | 4 | $2.0M |
| FY2021 | 9 | $2.5M |
| FY2022 | 6 | $1.3M |
| FY2023 | 8 | $1.8M |
| FY2024 | 11 | $2.3M |
| FY2025 | 4 | $2.1M |
FY2025 may be a partial year -- the SBA dataset is refreshed quarterly and the most recent fiscal year is often incomplete.
Where Kumon Is Getting SBA-Financed
Recent SBA-Financed Kumon Locations
Borrower names and amounts as reported in the SBA's public 7(a) loan dataset.
Frequently Asked Questions
Is Kumon growing or shrinking?
Kumon's SBA loan count fell 64% year-over-year. A decline in SBA financing doesn't necessarily mean the brand is shrinking -- franchisees may be using other financing, or SBA lending patterns may have shifted broadly.
How much does it cost to open a Kumon franchise?
We don't have that figure -- investment ranges and fees come from a franchisor's Franchise Disclosure Document (FDD), which this site doesn't parse (see methodology). The average SBA loan size of $285K (83% above the typical Education & Training brand's $156K) is a rough proxy, but SBA loans often cover only part of total investment.
What's the SBA loan default rate for Kumon?
0 of 42 SBA loans to Kumon franchisees (0.0%) have been charged off since FY2020, compared to 2.6% across all Education & Training brands.
Top SBA Lenders
- U.S. Bank, National Association6
- Manufacturers and Traders Trust Company3
- The Huntington National Bank3
- Central Pacific Bank2
- Newtek Small Business Finance, Inc.2
Get the Franchise SBA Financing Model -- an editable amortization, P&L, and breakeven calculator. $19.
Source: SBA 7(a) FOIA loan dataset. View dataset