Pinnacle Montessori Academy
The total investment to open a Pinnacle Montessori Academy franchise ranges from $198,000 to $4.8M. The initial franchise fee is $70,000. Ongoing royalties are 6% plus a 1% advertising fee.
What is the Pinnacle Montessori Academy franchise?
Pinnacle Montessori Academy is a child care business for families with young children. The estimated total initial investment is $198,000 to $4,828,000, and the initial franchise fee is $70,000.
The royalty is 6 percent of sales. The advertising or brand fund fee is 1 percent.
The franchise agreement term is 15 years. The company was founded in 2006 and is headquartered in Fair Oaks Ranch, TX.
Loan Activity Score
64/100
SBA Default Rate
0.0%
Active Lenders
14
According to its Franchise Disclosure Document or public business records, Pinnacle Montessori Academy has 22 locations, all owned by franchisees. Public SBA loan records show 14 lenders made 30 loans to franchisees of Pinnacle Montessori Academy. PeerSense calculates Pinnacle Montessori Academy's score as 64 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 2006 · 22 locations
$198,000 to $4.8M
$70,000
22
22 franchised
Proprietary PeerSense metric
ModerateDistinct lenders in public SBA records for Pinnacle Montessori Academy
30
Total SBA loans
$2.3M
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Pinnacle Montessori Academy
Loan Activity Score Breakdown
Established (25 to 99 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
0.0%
vs 3.2% peer avg
SBA Loans
30
Total Volume
$68.4M
Active Lenders
14
2 selective
States
2
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 Pinnacle Montessori Academy based on SBA lending data
SBA Default Rate
0.0%
3.2% below peer avg
SBA Loan Volume
30 loans
Across 14 lenders
Lender Diversity
14 lenders
Avg 2.1 loans per lender
Investment Tier
Premium investment
$198,000 to $4,828,000 total
Pinnacle Montessori 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
2024
8 approvals. The best year on record for Pinnacle Montessori Academy.
Top SBA State
Texas
27 SBA financed Pinnacle Montessori Academy locations, the densest operator footprint.
Average Loan Size
$2.3M
Median $2.2M. Use as a sizing anchor when modeling your own Pinnacle Montessori Academy unit.
Lender Concentration
46.7%
Concentrated
Share of Pinnacle Montessori Academy approvals captured by the top 3 SBA lenders.
Pinnacle Montessori Academy's SBA lending pipeline peaked in 2024 (8 approvals). The last five fiscal years account for 83% of cumulative volume ($52M approved). Operator density is highest in Texas with 27 SBA financed locations. Average funded ticket sits at $2.3M, with the median at $2.2M. Lender mix is concentrated: the top three SBA lenders account for 46.7% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$2,050
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
Pinnacle Montessori 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