Draw funds when payroll, supplies or repairs come up. Soft credit pull to start, FICO 500+ considered, and about three months of statements.
Check My LineDaycare Line of Credit
Summer dips, August supply runs and staff turnover repeat. A line of credit lets you handle them as they arrive rather than reapplying each time.
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.
A 5-minute application and about three months of statements. Funds in as little as 24 hours for qualified businesses.
FICO 500+ considered. A soft credit pull starts the process, and your deposits carry real weight.
Your offer spells out the full repayment amount before you accept, with no surprise costs after you sign.
The repayment schedule is listed in your offer up front, so you can plan draws around tuition timing.
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 cash crunches are not one-time events. They repeat. Summer enrollment softens every year. Supply orders spike every August. A teacher leaves and you pay overtime until the role is filled. A business line of credit gives you a set amount you can draw from when those moments arrive, instead of applying fresh each time.
With a lump-sum product, you receive the full amount at once. With a line of credit, you draw what you need and leave the rest available. That makes it useful for:
If you are weighing a line against an advance, our page on line of credit vs. merchant cash advance for daycare lays out both.
We keep it simple:
Sole proprietors can apply, and we work with established centers that show steady deposits. Your line size depends mainly on those deposits and what is already committed elsewhere.
A line works best when you treat it as a buffer, not as extra income. Draw for a specific purpose, such as covering the two weeks between payroll and the next tuition run, then let your deposits catch up. Owners who track each draw against the expense it covered tend to keep the line useful year after year. Before you draw, look at the payment schedule in your offer and confirm your slowest month can carry it.
Different problems call for different tools. For a single large need such as a new classroom, see working capital for daycare. If the pressure is staffing, our daycare payroll funding page goes deeper. If you are planning to grow, read daycare expansion funding.
Each offer shows the full repayment terms and schedule before you accept. When you are ready, apply online.
It gives you funds to draw on when payroll, supplies or repairs come up, so you are not starting a new application for each recurring gap.
We start with a soft credit pull, which does not affect your score.
No tax returns are required. We review about three months of business bank statements.
Our funding ranges from $25,000 to $5,000,000. The size of your line depends mainly on your deposits and existing obligations.
Yes. Sole proprietors can apply if the business has its own bank account with steady deposits.
Funding can arrive in as little as 24 hours for qualified businesses.
Example uses for illustration only.
Strengthen your line request with a few simple habits.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding