Tutor Time
The total investment to open a Tutor Time franchise ranges from $98,000 to $750,800. The initial franchise fee is $54,700.
What is the Tutor Time franchise?
Tutor Time is a business that provides care for children. Estimated total initial investment ranges from $98,000 to $750,800, and the initial franchise fee is $54,700.
A net worth of $200,000 is required. The headquarters is in Congers, NY. Tutor Time began franchising in 1960.
Loan Activity Score
27/100
SBA Default Rate
12.0%
Active Lenders
45
According to its Franchise Disclosure Document or public business records, Tutor Time has 80 locations, all owned by franchisees. Public SBA loan records show 45 lenders made 108 loans to franchisees of Tutor Time. PeerSense calculates Tutor Time's score as 27 out of 100, using public SBA loan performance and recent lending activity.
80 locations
$98,000 to $750,800
$54,700
80
80 franchised
Proprietary PeerSense metric
LimitedDistinct lenders in public SBA records for Tutor Time
108
Total SBA loans
$281K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Tutor Time
Loan Activity Score Breakdown
Major Brand (100+ 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
12.0%
vs 3.2% peer avg
SBA Loans
108
Total Volume
$30.4M
Active Lenders
45
5 selective
States
20
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 Tutor Time based on SBA lending data
SBA Default Rate
12.0%
8.8% above peer avg
SBA Loan Volume
108 loans
Across 45 lenders
Lender Diversity
45 lenders
Avg 2.4 loans per lender
Investment Tier
Significant investment
$98,000 to $750,800 total
Tutor Time: 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
1997
15 approvals. The best year on record for Tutor Time.
Top SBA State
New York
21 SBA financed Tutor Time locations, the densest operator footprint.
Average Loan Size
$282K
Median $134K. Use as a sizing anchor when modeling your own Tutor Time unit.
Lender Concentration
37.6%
Moderately Spread
Share of Tutor Time approvals captured by the top 3 SBA lenders.
Tutor Time's SBA lending pipeline peaked in 1997 (15 approvals). Operator density is highest in New York with 21 SBA financed locations. Average funded ticket sits at $282K, with the median at $134K. Lender mix is moderately spread: the top three SBA lenders account for 37.6% of approvals. Meaningful choice exists, but specific lenders carry the brand.
Payment Estimator
Estimated Monthly Payment
$1,014
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
Tutor Time, 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