Ratios fix your payroll. Tuition and reimbursements arrive on their own schedule. Working capital from $25,000 helps child care owners bridge the gap.
See What I Qualify ForDaycare Cash Flow
Daycares cannot trim staff on a slow week. Funding based on your deposits helps cover payroll, classroom additions and facility repairs.
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 bank statements. Qualified centers can be funded in as little as 24 hours.
FICO scores from 500 are considered. Steady tuition deposits count for a lot.
Your offer shows the full repayment amount up front. No surprise costs after you sign.
The repayment schedule is laid out in your offer, so you can plan it alongside payroll dates.
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.
Daycare is one of the few businesses where your largest cost is fixed by rule. Staff-to-child ratios mean payroll does not shrink much when a few families pull out, and you cannot cut corners on staffing during a slow month. At the same time, revenue can arrive unevenly: some families pay weekly, some monthly, and any reimbursements from outside programs can run on their own processing schedule.
The result is a business with steady demand but a payroll line that must be met every period, regardless of when the money lands.
Most centers see enrollment shifts around the school year. Summer can bring older siblings home, or it can thin out as families travel. Fall brings new enrollments and sometimes new classrooms to staff. Plot your enrollment and deposits month by month for the past year. You will likely see a pattern you can plan around.
Pay attention to the weeks between a family giving notice and a new child starting. Those gaps are small one at a time, but several in the same month can leave a classroom fully staffed and partly paid for. A waitlist you actively manage, with start dates confirmed early, is one of the cheapest cash flow tools a center has.
Capital can help when you need to cover payroll while reimbursements catch up, add a classroom to serve a waitlist, replace kitchen or HVAC equipment, or update a facility for licensing inspections you already know are coming. It should be tied to a clear purpose and a realistic repayment plan.
Merchant Fund Express offers working capital for daycares, payroll funding and equipment financing, ranging from $25,000 to $5,000,000.
About three months of business bank statements and a 5-minute application. No tax returns are required, and FICO scores from 500 are considered. Home-based providers set up as sole proprietors can apply. We start with a soft credit pull, and qualified businesses can be funded in as little as 24 hours. Apply here.
Yes. Payroll is one of the most common reasons child care owners apply, especially while waiting on reimbursements.
We review the deposits in your business bank statements. Reimbursements that land in your account are part of that picture.
Yes. Sole proprietors can apply, including home-based providers with steady deposits.
Yes. Expansion is a common use. The amount depends mainly on your deposits and existing obligations.
The application takes about 5 minutes. Qualified businesses can be funded in as little as 24 hours.
Example uses for illustration only.
These steps make daycare cash more predictable and your application easier to review.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding