How much does a Ducklings Early Learning Center cost to buy or open?

The typical deal for Ducklings Early Learning Center is $646K across 11 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $71K of buyer cash on a typical deal.

How risky is Ducklings Early Learning Center?

Ducklings Early Learning Center has 11 SBA loans on record since 2020 — too few to score a reliable failure rate. Judge the unit economics and the franchisor's disclosure document, not a small sample.

Can I finance a Ducklings Early Learning Center with an SBA loan?

Yes — Ducklings Early Learning Center has been SBA-financed 2 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Ducklings Early Learning Center SBA Intelligence: Real Cost, Rates & Failure Rate

Recent financings

Hill Cornerstone LLC in Oxford, PA — $760K (2026) · purchase · Wilmington Savings Fund Society FSB

Program: Preferred Lenders Program
Rate at approval: 8.75% variable
Term: 120 mo (10 yrs)
SBA guaranteed: $570K (75%)
Approved: 3/13/2026
Loan status: Committed
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported: 37
Business age: Change of Ownership
Industry: Child Care Services

If you were the buyer here

Est. deal size: $844K
Est. down payment (10%): $84K
Est. cash at closing: $116K
Monthly payment: $9,525
Annual debt service: $114K
Cash flow needed (1.25×): $143K

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 Wilmington Savings Fund Society FSB · Lender record →

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CP ALLIANCE GROUP LLC in Downingtown, PA — $1.1M (2025) · First National Bank of Pennsylvania

Program: Preferred Lenders Program
Rate at approval: 8.65% variable
Term: 120 mo (10 yrs)
SBA guaranteed: $860K (75%)
Approval → funding: 15 days
Approved: 5/8/2025
First disbursed: 5/23/2025
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported

Ducks at Ponds Edge, LLC in West Chester, PA — $891K (2024) · BHCU D/B/A Propell Credit Union

Program: 7a General
Rate at approval: 11% variable
Term: 126 months
SBA guaranteed: $668K (75%)
Approved: 8/22/2024
Loan status: Cancelled
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported: 60
Business age: Startup, Loan Funds will Open Business
Industry

Little Lennons Earley Learning Inc in Malvern, PA — $784K (2022) · Wilmington Savings Fund Society FSB

Program: Preferred Lenders Program
Rate at approval: 5.75% variable
Term: 126 months
SBA guaranteed: $588K (75%)
Approval → funding: 10 days
Approved: 2/22/2022
First disbursed: 3/4/2022
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type: Corporation
Secondary market

Scarpignato Schooling, LLC in Wallingford, PA — $646K (2022) · Wilmington Savings Fund Society FSB

Program: Preferred Lenders Program
Rate at approval: 5.75% variable
Term: 126 months
SBA guaranteed: $485K (75%)
Approval → funding: 16 days
Approved: 7/13/2022
First disbursed: 7/29/2022
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type: Corporation
Secondary market

Invitable LLC in Lancaster, PA — $625K (2021) · Wilmington Savings Fund Society FSB

Program: Preferred Lenders Program
Rate at approval: 5.75% variable
Term: 120 mo (10 yrs)
SBA guaranteed: $563K (90%)
Approval → funding: 168 days
Approved: 7/1/2021
First disbursed: 12/16/2021
Loan status: Paid in full (12/31/2024)
Loan type: Term loan
Collateral: Required
Business type: Corporation
Secondary market

Foundational Readiness In Early Education Services, LLC in West Chester, PA — $530K (2021) · Wilmington Savings Fund Society FSB

Program: Preferred Lenders Program
Rate at approval: 6% variable
Term: 120 mo (10 yrs)
SBA guaranteed: $477K (90%)
Approval → funding: 45 days
Approved: 2/15/2021
First disbursed: 4/1/2021
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type: Corporation
Secondary market

The Little Things LLC in West Chester, PA — $743K (2020) · purchase · Manufacturers and Traders Trust Company

Program: Preferred Lenders Program
Rate at approval: 4.75% variable
Term: 126 months
SBA guaranteed: $557K (75%)
Approved: 4/23/2020
Loan status: Cancelled
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported: 26
Business age: Change of Ownership
Industry

A and Z Holdings LLC in West Chester, PA — $350K (2020) · Truist Bank

Program: Preferred Lenders Program
Rate at approval: 5.19% fixed
Term: 2 months
SBA guaranteed: $263K (75%)
Approval → funding: 39 days
Approved: 10/22/2019
First disbursed: 11/30/2019
Loan status: In workout — SBA bought the guarantee
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported

A and Z Holdings LLC in West Chester, PA — $80K (2020) · Truist Bank

Program: Preferred Lenders Program
Rate at approval: 5.19% fixed
Term: 2 months
SBA guaranteed: $60K (75%)
Approval → funding: 25 days
Approved: 11/5/2019
First disbursed: 11/30/2019
Loan status: In workout — SBA bought the guarantee
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

Ducklings Early Learning Center, by the numbers

Recent financings

Who funds Ducklings Early Learning Center — and where

Common questions

How much does a Ducklings Early Learning Center cost to buy or open?

How risky is Ducklings Early Learning Center?

Can I finance a Ducklings Early Learning Center with an SBA loan?

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