What is the best business funding for daycare & child care?

The most common options for daycare & child care are sba loans, business term loans, working capital loans, equipment financing. The best fit depends on your time in business, revenue, credit and what the funds are for.

Can daycare & child care get funding with bad credit?

Often yes. Revenue-based products such as merchant cash advances and collateral-backed products like equipment financing weigh revenue and assets more than credit.

How much funding can daycare & child care get?

Revenue-based providers commonly approve about 50%–150% of average monthly revenue. Term and SBA loans may go higher for established businesses.

What documents do daycare & child care need?

Usually 3–4 months of business bank statements, ID and a voided check; larger loans add tax returns and financial statements.

Industry funding

Business Funding for Daycare & Child Care

The most common business funding options for daycare & child care are sba loans, business term loans, working capital loans and equipment financing. Child care centers often pursue SBA loans for facility expansion.

Last updated October 23, 2026

Typical funding needs for daycare & child care

Facility improvements
Staffing
Expansion

Funding options compared

Comparison of business funding options (industry estimates)
Option	Amount	Term	Typical cost	Speed	Credit
SBA Loans	$50k – $5M	10 – 25 years	Prime + spread (capped)	30 – 90 days	680+
Business Term Loans	$25k – $2M	1 – 10 years	8% – 45% APR	1 day – 4 weeks	650 – 680+
Working Capital Loans	$5k – $1M	3 – 24 months	Varies by product	1 – 5 days	550 – 680+
Equipment Financing	$5k – $5M	2 – 7 years	6% – 30% APR	1 – 10 days	600+

Typical requirements

6–24 months in business depending on product
$10k+ in monthly revenue for revenue-based options
3–4 months of business bank statements
580–680+ credit depending on product

Frequently asked questions

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Written by

BusinessFundingQuote Editorial Team

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Reviewed by

Funding Review Desk

Reviewed for accuracy against current market practices

Rates and ranges on this page are typical market estimates for educational purposes, not offers. How we make money.