Funding for childcare & daycare centers.
Expand capacity, renovate to meet licensing, and smooth tuition-cycle cash flow — with capital built for childcare.
The funding challenges childcare owners face
We've seen them all — and we know which funding solves each one.
Build-out & licensing
Meeting code and adding rooms takes capital up front.
Staffing ratios
Required caregiver ratios make payroll a fixed, heavy cost.
Tuition-cycle gaps
Enrollment timing and subsidies create uneven cash flow.
Funding that fits childcare
SBA loan
Low-cost capital for build-outs, real estate, and expansion.
Term loan
Fund a renovation or a second center with steady payments.
Line of credit
Smooth payroll and supplies between tuition cycles.
Equipment financing
Fund furniture, playground, and classroom equipment.
childcare funding: common questions
What's the best funding for a childcare business?
It depends on your goal. SBA loan and term loan are common fits for childcare owners. We compare every option against your numbers and match you to the right one — at no cost.
Can I get childcare funding with bad credit?
Often, yes. Revenue-based working capital and equipment financing weigh your sales and assets more heavily than your credit score, so childcare owners with imperfect credit still have real options.
How fast can a childcare business get funded?
Revenue-based and equipment options can move in as little as 24–72 hours. SBA and term loans take longer but cost less. We'll help you weigh speed against cost for your situation.
How much funding can my childcare business qualify for?
It scales with your revenue, time in business, and the funding type. Pre-qualifying takes about two minutes, won't affect your credit, and shows the range and products that fit.
Grow your center with confidence.
Free, no obligation, and it won't touch your credit.
Get pre-qualified →