FICO 500+ considered. We start with a soft pull and review about three months of your center's bank statements. No tax returns required.
See What I Qualify ForDaycare Funding, Credit Flexible
Many owners carried the business on personal credit in the early years. We look at your current tuition deposits, not just the score that resulted.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Apply in about 5 minutes with roughly three months of statements. Funding in as little as 24 hours for qualified businesses.
We start with a soft pull and weigh your score next to steady deposits and account health.
Your offer shows the full repayment amount before you accept, and there are no surprise costs after you sign.
The repayment schedule is laid out in your offer up front, so you can test it against your slowest month.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Most daycare owners with low scores did not get there by being careless. A center opens, enrollment takes longer to build than planned, and the owner covers the gap with personal cards. A pandemic closure, a lost subsidy contract or a family medical bill can do the same. The center recovers, but the credit report lags behind.
That is why we do not stop at the score. FICO 500+ is considered, and the review leans heavily on how your business actually performs today.
Credit tells a funder how past obligations were handled. Bank statements show what the business is doing right now. When we review a daycare file, we look at both:
No single factor decides the outcome. For a full walk-through, read how daycares qualify.
You fill out a 5-minute application. We start with a soft credit pull, so looking at your options does not lower your score. Then we review about three months of business bank statements. No tax returns are required, and sole proprietors can apply.
Products available include a merchant cash advance, working capital, a business line of credit, equipment financing and revenue-based financing. The right one depends on what the money is for.
Owners with weaker credit sometimes feel they should accept whatever arrives first. Do not. Every offer we present shows the full repayment amount and the payment schedule before you accept. Hold that schedule against your summer enrollment and your payroll calendar. If it feels tight, ask for less. Taking on a payment you can carry comfortably and paying it as agreed is one of the steadier ways to strengthen your position over time.
When you are ready, start the application.
FICO 500+ is considered. Your score is weighed alongside your deposit history, existing obligations and account health, so the full file matters.
We start with a soft credit pull, which does not affect your score.
You can apply. Funders look at how recent the issue is and how the business is performing now. We review each file on its own facts.
It depends on the need. Revenue-tied products like a merchant cash advance lean more on deposits, while equipment financing is tied to a specific purchase. Your offer will lay out the details.
Funding can arrive in as little as 24 hours for qualified businesses.
Funding ranges from $25,000 to $5,000,000 and depends mainly on your deposits and existing obligations.
Example uses for illustration only.
These steps can strengthen a daycare file even while credit recovers.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding