Cover payroll, supplies and seasonal gaps without a long bank process. 5-minute application, about three months of statements, no tax returns.
Get StartedDaycare Working Capital
You cannot trim staff below required ratios when families leave for summer. Working capital helps bridge the months when tuition and payroll fall out of step.
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 roughly three months of statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. We begin with a soft pull and focus on your steady tuition deposits.
Your offer includes the full repayment amount before you accept. No surprise costs appear after signing.
Your repayment schedule is set out in the offer from day one, so you can line it up with tuition cycles.
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.
Child care is labor heavy. Staff ratios are set by your state, so you cannot simply cut a teacher when three families leave for the summer. Meanwhile, food, cleaning supplies, insurance and rent keep coming. Tuition may arrive monthly while payroll goes out every two weeks. That mismatch is where working capital earns its keep.
Working capital is a lump sum for day-to-day operating needs. For daycare owners, that often means:
For deeper planning, our daycare cash flow guide breaks down where the gaps usually show up.
We built the process for busy directors. The application takes about 5 minutes. We start with a soft credit pull and then review about three months of business bank statements. FICO 500+ is considered, no tax returns are required, and sole proprietors can apply.
We are looking at whether your center has steady deposits and how much is already committed to other obligations. Those two things drive the size of an offer more than anything else.
Working capital is a good fit for a known, one-time gap. If you expect to need money again and again, a line of credit for daycare lets you draw as needed. If the need is a new van or kitchen equipment, equipment financing for daycare ties the funding to the asset. Revenue-tied repayment is covered on our revenue-based financing page.
Before you apply, sketch the gap: how much, for how long, and what deposits will repay it. Your offer will show the full repayment amount and the payment schedule up front, so you can test it against that sketch. When it lines up, start your application.
Yes. Payroll is one of the most common uses for daycare owners, especially during summer or holiday enrollment dips.
Subsidy payments that land in your business bank account show up as deposits like any other. We review the overall pattern across your statements.
Decisions move quickly, and funding can arrive in as little as 24 hours for qualified businesses.
It is one factor. FICO 500+ is considered, and your deposit history weighs heavily in the review.
Funding runs from $25,000 to $5,000,000, sized mainly from your deposits and existing obligations.
Yes, and many owners do. Applying while deposits are steady, rather than in the middle of a crunch, gives you time to read the offer and plan the payment schedule around the new school year.
Example uses for illustration only.
These steps can help your center present a cleaner file.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding