Mathnasium investment runs $112K–$149K — accessible entry point. SBA 7(a) covers the full range. Recurring tuition model creates predictable monthly revenue for DSCR underwriting.
Mathnasium is a math-only learning center franchise with more than 1,000 centers across North America and internationally. Students attend 2–3 times per week for individualized math instruction using the Mathnasium Method. The subscription-like monthly tuition model (families pay a flat monthly fee) creates recurring revenue that lenders find attractive. Centers are small-footprint operations in leased strip mall space with relatively low buildout requirements. This guide covers financing mechanics — see the companion cost-to-start guide for the full investment breakdown.
Per the current Mathnasium FDD, total estimated initial investment runs $112K–$149K. Lenders evaluate:
Mathnasium's per-student monthly tuition model means DSCR stabilizes only after enrollment reaches breakeven — typically 60–90 enrolled students depending on local pricing. Include a 12-month month-by-month enrollment ramp projection in the business plan; lenders will stress-test it against the lease-to-breakeven timeline. SBA Express covers the full $112K–$149K startup range. Per SBA SOP 50 10 7, the strip-center lease term must meet or exceed the loan term — confirm the lease length before applying. Budget 4–6 months of operating expense reserve in the 7(a) draw to fund operations through the pre-stabilization enrollment period.
Mathnasium is on the SBA Franchise Directory, enabling SBA 7(a) lenders to fast-track eligibility. A single 7(a) covers the full investment:
SBA 504 is not applicable for most Mathnasium centers — the business occupies leased retail space. If a franchisee purchases a commercial property for the center, 504 applies for the real estate component.
Mathnasium's primary equipment consists of student workstations, furniture, and technology (tablets, computers, software). These items can be financed within the SBA 7(a) or via a small equipment line. No specialized heavy equipment is required.
Mathnasium does not operate a direct in-house lending program, but provides preferred-lender relationships for franchisees. Preferred lenders understand the enrollment ramp economics and the Mathnasium FDD format.
Mathnasium requires approximately $50K–$75K in liquid assets for prospective franchisees. SBA's minimum equity injection is 10%; lenders typically require 15–20% from liquid personal funds. Post-closing reserves cover instructor payroll and operating costs during the 3–6 month enrollment ramp.
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Yes. Mathnasium is on the SBA Franchise Directory. A single SBA 7(a) loan covers the $112K–$149K investment including franchise fee, leasehold improvements, furniture, technology, and working capital.
Mathnasium requires approximately $50K–$75K in liquid assets. SBA's minimum equity injection is 10%; most lenders require 15–20% from liquid personal funds plus post-closing reserves for the enrollment ramp.
Recurring monthly tuition creates predictable cash flow — favorable for DSCR underwriting. SBA lenders want a student enrollment projection showing the ramp from zero to stabilized monthly revenue. Mathnasium FDD data on comparable centers supports the projection.
Proximity to elementary and middle schools, household income levels, and competition from other tutoring services are the key factors. Lenders evaluate the market analysis in your business plan — not just the facility lease.
Expect 30–60 days from a completed SBA application to funding. Lower investment amounts and simple collateral structures typically mean faster processing.