Cover payroll gaps or fund a new classroom. Compare a credit line with a lump-sum advance. Funding from $25,000, 5-minute application.
Compare OptionsDaycare Funding Comparison
Payroll timing and growth projects call for different tools. See how a line of credit and an advance each fit a childcare business.
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.
Apply in about 5 minutes with three months of bank statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. A soft credit pull gets things started without affecting your score.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
The schedule is in your offer up front, so you can plan it around tuition collection.
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 childcare centers collect tuition weekly or monthly, which makes deposits fairly predictable. The pressure points are elsewhere: staff-to-child ratios mean payroll is your biggest line item, summer enrollment can shift, and subsidy reimbursements may arrive on their own timeline. When owners need extra room, the choice often comes down to a line of credit or a merchant cash advance.
A line of credit lets you draw what you need, when you need it. For a daycare, that typically means:
Repay when tuition comes in and the limit is ready for next time. Our business line of credit for daycare page has more.
An advance gives you a lump sum up front, repaid from future revenue. It fits projects with a known cost: a new infant room, playground resurfacing, a second van, or opening another location. You get the full amount at once instead of drawing over time. Learn more at merchant cash advance for daycare, or see daycare expansion funding.
your needs repeat, the amounts vary, and you value having funds on standby.
you have one project, you know what it costs, and you want the money in one deposit.
Whichever you choose, your offer shows the full repayment amount and schedule before you accept. Payroll is not optional in childcare, so plan repayment around your tuition calendar.
We fund $25,000 to $5,000,000 for established centers with steady deposits. The 5-minute application starts with a soft credit pull, and we look at about three months of business bank statements. No tax returns required, FICO 500+ is considered, and home-based providers running as sole proprietors can apply. Funding can arrive in as little as 24 hours for qualified businesses. Apply online.
Deposits that land in your business bank account are part of what funders review. Regular reimbursement deposits help show your full cash flow.
Yes. Sole proprietors can apply, provided the business shows steady deposits through a business account.
A line of credit is often the better match because you only draw what the slower months require and repay when enrollment picks back up.
Mainly by your deposits and existing obligations, reviewed from about three months of bank statements.
We start with a soft credit pull, which does not affect your score.
Example uses for illustration only.
These steps make your center's finances clearer to any funder.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding