Legacy Academy
The total investment to open a Legacy Academy franchise ranges from $134,000 to $2.0M. The initial franchise fee is $75,000. Ongoing royalties are 5% plus a 1% advertising fee.
What is the Legacy Academy franchise?
Legacy Academy provides child care and early learning for young children. The estimated total initial investment is $134,000 to $2,044,460, and the initial franchise fee is $75,000.
The ongoing royalty is 5 percent, and the advertising or brand fund fee is 1 percent. The company was founded in 1997 and is headquartered in Cumming, Georgia.
Loan Activity Score
25/100
SBA Default Rate
15.4%
Active Lenders
9
According to its Franchise Disclosure Document or public business records, Legacy Academy has 13 locations, all owned by franchisees. Public SBA loan records show 9 lenders made 13 loans to franchisees of Legacy Academy. PeerSense calculates Legacy Academy's score as 25 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 1997 · 13 locations
$134,000 to $2.0M
$75,000
13
13 franchised
Proprietary PeerSense metric
LimitedDistinct lenders in public SBA records for Legacy Academy
13
Total SBA loans
$882K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Legacy Academy
Loan Activity Score Breakdown
Growing (10 to 24 loans)
Are lenders increasingly or decreasingly funding this brand? Growing trends score highest.
Blended default rate (recent + all time) compared to NAICS sector peers.
Quality lenders actively backing this brand, with penalty for lender pullback.
FDD availability, Item 19 disclosure, and overall data completeness.
Geographic spread of SBA funded locations across states.
SBA Lending Performance
SBA Default Rate
15.4%
vs 3.2% peer avg
SBA Loans
13
Total Volume
$11.5M
Active Lenders
9
2 selective
States
4
vs. SBA Sector Average
SBA loan default rate vs. all franchises in the same NAICS sector, not limited to direct competitors
Key Highlights
Franchise Financing Resources
Data Insights
Key performance metrics for Legacy Academy based on SBA lending data
SBA Default Rate
15.4%
12.2% above peer avg
SBA Loan Volume
13 loans
Across 9 lenders
Lender Diversity
9 lenders
Avg 1.4 loans per lender
Investment Tier
Premium investment
$134,000 to $2,044,460 total
Legacy Academy: Deep SBA Data
Brand specific metrics derived directly from SBA 7(a) approval records: peak lending year, leading state, average loan size, and lender concentration. PeerSense computes these per brand so capital advisors and prospective franchisees can benchmark this opportunity against the rest of the franchise universe.
Peak SBA Year
2007
4 approvals. The best year on record for Legacy Academy.
Top SBA State
Georgia
22 SBA financed Legacy Academy locations, the densest operator footprint.
Average Loan Size
$1.5M
Median $2.3M. Use as a sizing anchor when modeling your own Legacy Academy unit.
Lender Concentration
46.4%
Concentrated
Share of Legacy Academy approvals captured by the top 3 SBA lenders.
Legacy Academy's SBA lending pipeline peaked in 2007 (4 approvals). The last five fiscal years account for 46% of cumulative volume ($9.5M approved). Operator density is highest in Georgia with 22 SBA financed locations. Average funded ticket sits at $1.5M, with the median at $2.3M. Lender mix is concentrated: the top three SBA lenders account for 46.4% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$1,387
Principal & Interest only
Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.
Locations
Legacy Academy, unit breakdown
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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