Childcare & Early Education · Brand S0373
Children's Lighthouse Early Learning Schools franchise research
Costs by format. Disclosure context. Historical loan evidence. Know what is captured and what still needs diligence.
Open your research shortlistSource: FDD issued Not captured · SBA data through Jun 30, 2026 · Automated extraction, not human-reviewed · View all sources
- Investment
- $1,074,580 to $1,467,050 Build-to-Suit Lease Program (third-party developer builds; lease deposit, no land/building purchase) · +1 more
- Royalty
- 7% 3.5% of Gross Revenue for the first six months the School is open; 7% of Gross Revenue thereafter; payable monthly on the 15th of the following month
- Working capital
- Additional Funds (3 months): $275,000 (Build-to-Suit); $277,725 to $332,800 (Equity Development Program). Covers rent/debt service, wages, insurance, childcare license and health permit, occupancy and other operating expenses for the first three months. FDD Item 7
- Units
- 69 +2 net in 2023
- SBA loans approved
- 23 FY2021 to FY2026 YTD
- SBA charge-off share
- 0.00% historical, not a failure rate
Investment by format
| Format | Disclosed range |
|---|---|
| Build-to-Suit Lease Program (third-party developer builds; lease deposit, no land/building purchase) | $1,074,580 to $1,467,050 |
| Equity Development Program (franchisee buys land and builds the School) | $5,855,974 to $8,933,880 |
Format-specific estimates only. Do not combine one format's minimum with another format's maximum.
Investment sourceFDD p.17 ↗
Franchise fees and ongoing costs
- Franchise fee
- $60,000 to $85,000 · Extracted Item 5 scalar range, not a universal minimum or maximum; formats, eligibility, discounts and waivers require original-filing review.
- Royalty
- 7% · 3.5% of Gross Revenue for the first six months the School is open; 7% of Gross Revenue thereafter; payable monthly on the 15th of the following month
- Marketing contribution
- 0.5% (basis not captured; see original filing)
- Technology fee
- $49 per month (software fees; passes through the software provider's price increases)
- Other fees
- Late fee of 10% on past due accounts; Non-Attendance Fee $1,000 for missing the system-wide meeting; Audit cost $2,000-$5,000 if underpayment exceeds 2%
- Working capital (FDD Item 7)
- Additional Funds (3 months): $275,000 (Build-to-Suit); $277,725 to $332,800 (Equity Development Program). Covers rent/debt service, wages, insurance, childcare license and health permit, occupancy and other operating expenses for the first three months.
Fees sourceFDD p.12 ↗
Working capital is drawn from Item 7. The Investment source below locates the investment section, not an independently verified working-capital scalar.
Investment sourceFDD p.17 ↗
Franchise fee sourceFDD · page not captured ↗
Financial performance: Item 19
- Item 19 captured
- Yes
- Metric / basis
- Average, median, high and low annual Gross Revenue, plus a school-by-school list of gross revenue for all reporting Schools
- Reporting period
- Fiscal year ended December 31, 2023
- Sample
- 67 franchised Schools open and operating at 12/31/2023 and open at least 18 months (2 newer Schools excluded)
- Reported average
- $1,941,556
- Reported median
- $1,906,407
Owner income is not captured. Gross sales and EBITDA are not owner pay. Results depend on the disclosed metric, sample and period; consult the full filing.
Item 19 performance sourceFDD p.44 ↗
Unit growth: Item 20
- Reporting year
- 2023
- Scope
- franchised outlets
- Starting outlets
- 67
- Year-end outlets
- 69
- Net change
- +2
- Derivation
- ending minus starting outlets
- Openings
- 2
- Terminations
- 0
- Non-renewals
- 0
- Other closures
- 0
- Reacquisitions
- 0
- Transfers
- 2
Transfers are not closures. Net change is ending minus starting outlets for the stated scope and year, or complete openings less terminations, non-renewals, other closures and reacquisitions. Missing inputs stay unknown.
Unit growth sourceFDD p.46 ↗
SBA loan history
- Loan activity
- 23 approvals
- Activity window
- FY2021-FY2026 YTD; snapshot 2026-06-30
- Median SBA loan
- $5,000,000
- Median loan window
- FY2023-FY2026 YTD through 2026-06-30
- Median loan sample
- 8 loans
- Historical charge-off share
- 0.00%
- Cohort
- 7(a) FY2010-2019 approvals
- Numerator / denominator
- 0 / 11
- Formula
- CHGOFF / (PIF + CHGOFF + EXEMPT) × 100
This is a historical loan-level share, not a franchise failure probability or location survival rate. Loan size is not total investment. Other loan statuses are excluded from the seasoned denominator. Activity combines 7(a) and 504 approvals, excluding canceled and not-funded records; this is not a rolling five-year count. FY2024-25 franchise tags are sparse after directory suspension; fewer tagged loans do not establish brand decline. Recent charge-off cohorts are immature.
SBA loans sourceSBA data · Jun 30, 2026 ↗
Median loan amounts are financing context, not startup cost. The median window is separate from the seasoned charge-off cohort.
Median SBA loan sourceSBA data · Jun 30, 2026 ↗
Questions before you invest
How much does Children's Lighthouse Early Learning Schools franchise cost?
Build-to-Suit Lease Program (third-party developer builds; lease deposit, no land/building purchase): $1,074,580 to $1,467,050; Equity Development Program (franchisee buys land and builds the School): $5,855,974 to $8,933,880 These are format-specific estimates, not a guaranteed cash requirement. Franchise fee: $60,000 to $85,000 · Extracted Item 5 scalar range, not a universal minimum or maximum; formats, eligibility, discounts and waivers require original-filing review..
Investment sourceFDD p.17 ↗
Franchise fee sourceFDD · page not captured ↗
How much do Children's Lighthouse Early Learning Schools owners make?
Owner income is not captured. Gross sales and EBITDA are not owner pay. Item 19 metric: Average, median, high and low annual Gross Revenue, plus a school-by-school list of gross revenue for all reporting Schools. Sample: 67 franchised Schools open and operating at 12/31/2023 and open at least 18 months (2 newer Schools excluded). Period: Fiscal year ended December 31, 2023.
Item 19 performance sourceFDD p.44 ↗
What's the SBA charge-off rate for Children's Lighthouse Early Learning Schools?
0.00%; numerator / denominator: 0 / 11. Historical 7(a) FY2010-2019 approvals; CHGOFF / (PIF + CHGOFF + EXEMPT) × 100, snapshot 2026-06-30. This is not a franchise failure probability. Median SBA loan: $5,000,000; window: FY2023-FY2026 YTD through 2026-06-30; sample: 8 loans. Median financing is not total investment.
SBA loans sourceSBA data · Jun 30, 2026 ↗
Median SBA loan sourceSBA data · Jun 30, 2026 ↗
Sources and data details
Every figure above links to the page of the filing it was read from. These are the document IDs, page pointers and checksums behind them, for anyone who wants to audit the data.
Show document IDs, page pointers and hashes
Original source · FDD issued: Not captured; Registry received: 05/23/2024
Document: 31796-202405-06; document SHA-256: 903e3d2cddcad709ba1cdc5e0ce14c21f20fe58cadb5d7802a19ff8533083cd7
PDF page: 12; pointer: scalar-page-match. Not independently reviewed.
Dataset generated: 2026-10-03T02:32:20.074756+00:00; dataset version: f8a919ba13aeff8e04da22842f084c7fb459e532543a173426eaa34a86deca5d
Original source · FDD issued: Not captured; Registry received: 05/23/2024
Document: 31796-202405-06; document SHA-256: 903e3d2cddcad709ba1cdc5e0ce14c21f20fe58cadb5d7802a19ff8533083cd7
PDF page: 17; pointer: scalar-page-match. Not independently reviewed.
Dataset generated: 2026-10-03T02:32:20.074756+00:00; dataset version: f8a919ba13aeff8e04da22842f084c7fb459e532543a173426eaa34a86deca5d
Original source · FDD issued: Not captured; Registry received: 05/23/2024
Document: 31796-202405-06; document SHA-256: 903e3d2cddcad709ba1cdc5e0ce14c21f20fe58cadb5d7802a19ff8533083cd7
PDF page: Not captured; pointer: source-known-page-unknown. Not independently reviewed.
Dataset generated: 2026-10-03T02:32:20.074756+00:00; dataset version: f8a919ba13aeff8e04da22842f084c7fb459e532543a173426eaa34a86deca5d
Enrichment generated: 2026-10-03T11:34:53.025030+00:00
Original source · FDD issued: Not captured; Registry received: 05/23/2024
Document: 31796-202405-06; document SHA-256: 903e3d2cddcad709ba1cdc5e0ce14c21f20fe58cadb5d7802a19ff8533083cd7
PDF page: 44; pointer: scalar-page-match. Not independently reviewed.
Dataset generated: 2026-10-03T02:32:20.074756+00:00; dataset version: f8a919ba13aeff8e04da22842f084c7fb459e532543a173426eaa34a86deca5d
Original source · FDD issued: Not captured; Registry received: 05/23/2024
Document: 31796-202405-06; document SHA-256: 903e3d2cddcad709ba1cdc5e0ce14c21f20fe58cadb5d7802a19ff8533083cd7
PDF page: 46; pointer: scalar-page-match. Not independently reviewed.
Dataset generated: 2026-10-03T02:32:20.074756+00:00; dataset version: f8a919ba13aeff8e04da22842f084c7fb459e532543a173426eaa34a86deca5d
Original source · SBA snapshot: 2026-06-30
Document: FOIA_7a_FY2010_FY2019_asof_260630.csv; document SHA-256: 01a3e2c7988a6f4052e53f218a309feb2ec2fe42887bebdc0fa94ac8b1024ade
PDF page: Not captured; pointer: raw-aggregate-recomputed. Not independently reviewed.
Dataset generated: 2026-10-03T02:32:20.074756+00:00; dataset version: f8a919ba13aeff8e04da22842f084c7fb459e532543a173426eaa34a86deca5d
Input document hashes: FOIA_7a_FY2010_FY2019_asof_260630.csv: 01a3e2c7988a6f4052e53f218a309feb2ec2fe42887bebdc0fa94ac8b1024ade; FOIA_7a_FY2020_Present_asof_260630.csv: 6c1e9132b5141a19f82bdc8ccafb86c9a01662461cad41ddb36a3cf409d8a4fe; FOIA_504_FY2010_Present_asof_260630.csv: 8c0e15414217254bcde2a253a8f17418b3dc65ce78dbc56cc1f1ab05c4a05ad4; code_map.csv: df55c53a0afc764ee1507d535a1924a3fab105a6daca0143ca56d9791d385d7b
Original source · SBA snapshot: 2026-06-30
Document: FOIA_7a_FY2020_Present_asof_260630.csv; document SHA-256: 6c1e9132b5141a19f82bdc8ccafb86c9a01662461cad41ddb36a3cf409d8a4fe
PDF page: Not captured; pointer: raw-median-recomputed. Not independently reviewed.
Dataset generated: 2026-10-03T02:32:20.074756+00:00; dataset version: f8a919ba13aeff8e04da22842f084c7fb459e532543a173426eaa34a86deca5d
Input document hashes: FOIA_7a_FY2020_Present_asof_260630.csv: 6c1e9132b5141a19f82bdc8ccafb86c9a01662461cad41ddb36a3cf409d8a4fe; code_map.csv: df55c53a0afc764ee1507d535a1924a3fab105a6daca0143ca56d9791d385d7b
Enrichment generated: 2026-10-03T11:34:53.025030+00:00
Program: 7(a); Amount column: GrossApproval