Summer dips and enrollment gaps do not change your rent or payroll. Get funding from $25,000 to carry your center through lighter months.
Plan AheadDaycare Slow Season
Good teachers are hard to replace. A seasonal cushion lets you keep your team and your lease in good shape until enrollment rebounds.
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.
Five minutes to apply, three months of statements, and funding in as little as 24 hours for qualified centers.
FICO 500+ considered after a soft pull. Steady deposits matter.
Your offer shows the full repayment amount before you accept, with no surprise costs after you sign.
The repayment schedule is laid out in the offer, so you can line it up with fall enrollment.
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.
Childcare looks steady from the outside, but most owners know the pattern. School-age kids leave for summer. Families travel in August. Preschoolers age out in the fall and the next group does not fill every slot right away. Holidays bring absences, and some parents pull kids during a job change.
Meanwhile, rent, insurance, food, licensing upkeep and a staff you cannot easily shrink stay the same. Slow-season funding for daycare is a cushion for those months so you do not lose good teachers or fall behind on the lease.
For a broader look at seasonal cash timing, read our daycare cash flow guide.
If the dip comes every year, a business line of credit lets you draw only during the lean months. A one-time shortfall suits working capital. If you are unsure, our comparison of a line of credit vs. merchant cash advance for daycare lays out the differences. Every offer lists the full repayment amount and schedule before you accept.
We look at about three months of business bank statements and weigh them in context. If you can, apply before the dip so your deposits show the center at normal enrollment. The application takes about 5 minutes, starts with a soft pull, and needs no tax returns. FICO scores from 500 are considered, and sole proprietors can apply. Start here.
Funding carries you through a dip, but programming can shrink it. Many centers run summer camps, drop-in care or half-day options for school-age kids to keep rooms in use. Offering a small discount for families who reserve fall spots early can bring deposits in sooner. Use quieter weeks for staff training, deep cleaning and classroom updates that are hard to do at full enrollment. Track which months are lightest each year so you can request an amount that fits the actual gap.
Letting parents know about summer options early, in newsletters or at pickup, helps fill those spots before families make other plans.
Before the slow months start, when your deposits reflect normal enrollment. That gives funders a clearer picture of the center.
Yes. Many centers use seasonal funding to hold onto staff so they are ready when enrollment picks back up.
Funders look at deposits over about three months and weigh consistency and existing obligations. Seasonal patterns are read in context.
From $25,000 to $5,000,000, depending mainly on deposits and existing obligations.
We start with a soft credit pull, which does not affect your score.
Example uses for illustration only.
These steps can help a center heading into a slow stretch.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding