CLUB Z!, vs Kumon
CLUB Z!, vs Kumon: CLUB Z!, costs $41K to $57K to open; Kumon costs $73K to $165K. CLUB Z!, has 328 units, Kumon has 1,689. SBA loan history: CLUB Z!, = 27 loans (11.1% default); Kumon = 115 loans (7.0% default). The franchise with more SBA funded units, a lower SBA default rate, and a lower royalty load is the safer financing bet; see the comparison below.
CLUB Z!, vs Kumon: Capital, Scale & Lending Analysis
Analysis based on FDD filings and SBA 7(a) loan level data. Each pairing reflects a unique combination of capital intensity, system scale, and financing path.
Capital Intensity
CLUB Z!, requires the lower minimum capital commitment ($41K vs $73K for Kumon), a 44% spread. Initial franchise fees come in at $27K for CLUB Z!, versus $2K for Kumon, Kumon has the lower entry fee. Ongoing royalty load is 6% for CLUB Z!, and 6% for Kumon, equal royalty drag.
System Scale & Tenure
On scale, Kumon operates 1,689 units to CLUB Z!,'s 328, roughly 5× the system size. Kumon has been operating 68 years (founded 1958) versus 31 for CLUB Z!, (founded 1995), a 37-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Kumon has the deeper SBA lending track record, with 115 7(a) approvals compared with 27 for CLUB Z!,.
Risk Signal
SBA default rates are 11.1% for CLUB Z!, and 7.0% for Kumon, Kumon has the cleaner SBA loss record by 4.1 points. PeerSense FPI scores come in at 47 (Fair) for CLUB Z!, and 76 (Strong) for Kumon, giving Kumon the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 47/100 | 76/100 |
Health Tier | Fair | Strong |
Confidence | N/A | N/A |
Lending Trend | Declining | Stable |
SBA Lending
SBA Loans | 27 | 115 |
SBA Volume | – | – |
Default Rate | 11.1% | 7.0% |
Peer Tier | established | major |
Investment & Costs
Total Investment | $41K to $57K | $73K to $165K |
Franchise Fee | $27K | $2K |
Royalty Rate | 6% | 6% |
Ad Fund | 2% | 2% |
Liquid Capital | N/A | N/A |
Net Worth Required | N/A | $150K |
Financial Performance (Item 19)
Item 19 Status | Disclosed | Not Disclosed |
System Size & Operations
Total Units | 328 | 1,689 |
Franchised Units | 328 | 1,671 |
Company Owned | – | 18 |
Term Length | 7 yrs | 5 yrs |
Brand Information
Year Founded | 1995 | 1958 |
Franchising Since | 1998 | 1983 |
Years Franchising | 28 yrs | 43 yrs |
Headquarters | N/A | SAN CLEMENTE, CA |
Category | Exam Preparation | Exam Preparation |
Website | ||
FDD Year | 2026 | 2026 |
Which Is Better, CLUB Z!, or Kumon?
Lower upfront capital required
CLUB Z!,
CLUB Z!,: $41K starting · Kumon: $73K starting
More SBA lender confidence
Kumon
CLUB Z!,: 27 SBA loans · Kumon: 115 SBA loans
Lower SBA default rate
Kumon
CLUB Z!,: 11.1% · Kumon: 7.0%
Larger system & brand presence
Kumon
CLUB Z!,: 328 units · Kumon: 1,689 units
Lower ongoing royalty load
Tie
CLUB Z!,: 6% · Kumon: 6%
More lender financing options
Kumon
CLUB Z!,: 18 unique lenders · Kumon: 63 unique lenders
Decision matrix uses publicly disclosed FDD and SBA loan data. Not a recommendation. Your best franchise depends on capital, market, operating capacity, and risk tolerance.
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About These Franchises
CLUB Z!, vs Kumon: Franchise Funding Comparison
Comparing CLUB Z!, and Kumon is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $41K to $165K.
CLUB Z!, has 27 SBA loans on record and Kumon has 115. Those totals are cumulative history rather than a measure of current appetite. Recent lending activity is trending down for at least one of these brands, so current lender appetite has to be checked deal by deal rather than assumed from the totals.
SBA 7(a) loans are the most common franchise funding vehicle, offering up to $5M with as little as 10% down. PeerSense connects franchise buyers with the specific lenders who have approved loans for these brands, not generic referrals, but lenders with actual franchise lending track records.
Data sourced from SBA loan records, Franchise Disclosure Documents, and public filings. Updated regularly. Not financial advice, consult with a lending professional before making investment decisions.
CLUB Z!, vs Kumon, Frequently Asked Questions
Which is a better franchise investment, CLUB Z!, or Kumon?
How much does a CLUB Z!, franchise cost compared to Kumon?
Can I finance CLUB Z!, or Kumon with an SBA loan?
Which has a lower SBA default rate, CLUB Z!, or Kumon?
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Page Review
Reviewed by Edward L. Freeman, Founder and Managing Director, PeerSense
- PeerSense is a capital advisory firm that places commercial financing with direct capital sources; it does not lend, fund, or approve loans, and the capital source sets final terms.
- Edward L. Freeman founded PeerSense in January 2020.
- He is a Registered Franchise Consultant with Business Alliance, Inc., a credential issued in March 2022, and worked as a franchise consultant there from March 2022 to May 2023.
- His recorded experience includes a $22 million SBA construction loan, with about $16 million funded on the deal.
- In the 12 months through September 30, 2026, PeerSense tracked 912 publicly announced financings with a disclosed size of $361.32 billion. PeerSense Capital Data Report · Methodology page
Last reviewed LinkedIn profileAbout Edward Freeman