Merchant Fund Express
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Inventory Funding for Daycare Centers

Food, diapers, cleaning supplies and classroom materials. Funding from $25,000 so your center stays fully stocked without straining payroll.

Stock My Center

Daycare Supplies

Stay stocked for every child, every day

Running out of diapers or snacks is not an option. Inventory funding lets you buy in bulk and stay ahead of the next term.

As fast as
24 hours

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.

Supply funding for childcare operators

Quick and easy to apply

Five minutes and about three months of statements. Qualified centers can be funded in as little as 24 hours.

Room for real-world credit

FICO 500+ considered, beginning with a soft pull.

See the full cost first

Your offer shows the full repayment amount before you accept, with no surprise costs after you sign.

Repayment mapped out

The schedule is laid out in your offer so you can plan supply orders around it.

Waiting on deposits to land?

Fast decisions. Applying takes about 5 minutes.

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How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

Daycare inventory is everything kids use in a day

A childcare center does not stock shelves for sale, but it burns through supplies at a steady clip. Meals and snacks, formula, diapers and wipes, sanitizer and cleaning products, art supplies, books, cots, linens and age-appropriate toys all need regular replenishing. Licensing and parent expectations mean you cannot run short.

Inventory funding for daycare lets you buy in bulk, stock up before a new term or open a new classroom with everything in place, without pulling from payroll.

What centers typically buy

Options that match how you buy

Centers that reorder monthly often prefer a business line of credit, drawing for each order. A once-a-year stock-up before fall fits working capital. Larger items like cribs and kitchen equipment may fit equipment financing. Every offer shows the full repayment amount and schedule before you accept.

How the application works

Complete the 5-minute application; we start with a soft credit pull. Send about three months of business bank statements; no tax returns are required. The amount depends mainly on your deposits and existing obligations, and funding ranges from $25,000 to $5,000,000. FICO scores from 500 are considered and sole proprietors can apply. Apply today and stock up before the next term.

Getting more out of every supply dollar

Supply costs creep up quietly. Review a few months of purchases and sort them into food, hygiene, cleaning and classroom categories. Look for items you buy weekly that could be bought monthly at a better price, and check whether your food supplier offers delivery discounts on larger orders. Storage space is a real limit, so plan bulk buys around what you can keep safely. Rotate perishables and keep an eye on dates for formula and food. A clear picture of monthly use makes it easier to request the right amount and avoid over-buying.

When the next school year or a new classroom is on the calendar, build your supply list early. Teachers usually know exactly what ran short last year, and their input keeps you from buying items that sit in a closet.

Frequently Asked Questions

What counts as inventory for a daycare?

Food, diapers, cleaning supplies, learning materials, linens and similar items your center uses every day.

Can I buy supplies in bulk to save money?

Yes. Many centers use funding to take advantage of volume pricing from their suppliers.

Do I need receipts or supplier invoices to apply?

No. The application is based mainly on about three months of business bank statements.

How quickly can I get supplies ordered?

Qualified businesses can be funded in as little as 24 hours, so orders can often go out within days.

Does my credit score matter?

It is one factor. FICO scores from 500 are considered, and funders also weigh how steady your deposits are.

Food program $9,000.00
Diapers and wipes $4,500.00
Learning materials $7,000.00
New room setup $15,000.00

Example uses for illustration only.

How to improve your chances

Some practical steps for a stronger supply funding request.

  • Track monthly supply spending by category
  • Compare bulk pricing from a few suppliers
  • Keep tuition deposits in a business account
  • Plan big orders before each new term

Supply funding: us vs. a bank

Merchant Fund Express
Traditional bank loans
Application
About 5 minutes
Long forms
Documents
About 3 months of statements
Tax returns required
Credit
FICO 500+ considered
Good credit expected
Speed
As little as 24 hours if qualified
Weeks
Small centers
Sole proprietors can apply
Often overlooked

Keep your center fully stocked

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding
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