Replace cribs, playground surfacing, kitchen gear or a van without draining operating cash. 5-minute application and no tax returns required.
Finance My EquipmentDaycare Equipment Financing
When equipment ages out or fails an inspection, you need it replaced on a deadline. Equipment financing spreads the cost so payroll and supplies stay covered.
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 plus about three months of statements. Funding in as little as 24 hours for qualified centers.
FICO 500+ considered. We start with a soft pull and look closely at your tuition deposits.
Your offer shows the total repayment amount before you accept, with no surprise costs after signing.
The repayment schedule is spelled out in your offer, so you know what each payment looks like from the start.
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.
In child care, a lot of equipment is not optional. Cribs must meet safety standards, outdoor play areas need proper surfacing, and kitchens have to keep food at the right temperature. When something ages out or fails an inspection, you need to replace it on a deadline, not when the budget happens to allow.
Equipment financing spreads the cost of that purchase so you are not draining your operating cash all at once. That keeps money available for payroll, food and the other bills that arrive every week.
| Area | Typical items |
|---|---|
| Classrooms | Cribs, cots, child-sized furniture, learning stations |
| Outdoor | Play structures, safety surfacing, shade sails, fencing |
| Kitchen | Commercial refrigerator, dishwasher, range |
| Transport | Passenger van for field trips or school pickup |
| Security | Keypad entry, cameras, check-in tablets |
If a piece of gear breaks without warning, our daycare equipment repair funding page covers faster fixes.
Start with the 5-minute application. We begin with a soft credit pull, consider FICO 500+, and review about three months of business bank statements. No tax returns are required. It also helps to have a quote or invoice for the equipment, so the amount you request matches what you are buying.
We work with established centers that show steady deposits. Sole proprietors and in-home providers with a business account can apply.
Equipment financing is tied to a specific purchase. If you are opening a new room and need furniture, staff and marketing all at once, working capital for daycare may cover more of the project. Growing to a second site? See daycare expansion funding. Not sure your file is ready? Read how daycares qualify.
A good rule: the equipment should keep earning or protecting revenue for longer than you are paying for it. Your offer lists the full repayment amount and schedule before you accept, so you can check that. When the numbers make sense, apply online.
Vans are a common request. Share the details in your application, and we will review it alongside your bank statements.
It is not required to start, but a quote helps us size the request to the actual purchase.
FICO 500+ is considered, and we start with a soft pull. Steady deposits weigh heavily in the decision.
Funding can arrive in as little as 24 hours for qualified businesses.
Our funding ranges from $25,000 to $5,000,000. The amount for your center depends mainly on deposits and existing obligations.
Compare the repair cost with how long the item will realistically last afterward. If a play structure or refrigerator keeps failing, replacing it may protect enrollment and inspections better than another patch. Either way, check that the payment fits your slowest month.
Example uses for illustration only.
A little preparation helps an equipment request move smoothly.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding