A lump sum for your center, repaid from the tuition revenue you already collect. 5-minute application, about three months of statements, no tax returns.
Check My OfferDaycare Merchant Cash Advance
Payroll, ratios and repairs do not pause for a slow enrollment month. A merchant cash advance gives you room to handle them now.
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 roughly three months of bank statements. Funding in as little as 24 hours for qualified centers.
FICO 500+ considered. We start with a soft pull and give real weight to your tuition deposits.
Your offer shows the full repayment amount up front, and there are no surprise costs after you sign.
The schedule is spelled out in your offer, so you can plan around tuition cycles and summer breaks.
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.
A merchant cash advance gives your center a lump sum now in exchange for a share of future sales. Repayment comes from the revenue your daycare collects, so it moves with your business rather than sitting on a fixed bank calendar.
For centers that collect weekly or monthly tuition by card or ACH, that structure can feel natural. Parents pay, deposits land, and the advance is repaid from that flow. Because it is not a traditional bank loan, the review centers on your recent deposits rather than years of financial statements.
Child care has costs that do not wait for the next tuition cycle. Owners tell us they use an advance for:
The application takes about 5 minutes. After that, we review about three months of business bank statements. We start with a soft credit pull, FICO 500+ is considered, and no tax returns are required. Sole proprietors, including home-based providers with a business bank account, can apply.
We are looking for an established center with steady deposits. Summer swings and holiday breaks are normal in child care, and we read your statements with that in mind.
A merchant cash advance is fast and flexible, but it is not the only choice. If you need recurring access for payroll timing, a business line of credit for daycare may fit better. Our side-by-side page on line of credit vs. merchant cash advance for daycare walks through the tradeoffs. Whatever you choose, your offer shows the full repayment amount before you accept. Ready to look? Apply here.
We look at your business bank deposits overall, so centers that collect tuition by ACH, card or a mix can apply.
Funding can arrive in as little as 24 hours for qualified businesses after we review your statements.
Funders look at the pattern across your statements. A predictable seasonal dip reads differently from a steady decline, and we review the full picture.
No tax returns are required. We start with the 5-minute application and about three months of business bank statements.
Funding ranges from $25,000 to $5,000,000. What your center qualifies for depends mainly on deposits and existing obligations.
Look at the full repayment amount and the payment schedule, then compare them with your slowest tuition month. If the payment would make payroll tight, ask about a smaller amount before you accept.
Example uses for illustration only.
A few practical steps can make your daycare's application easier to review.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding