Running a daycare center is a business that demands strategic funding, reliable staff, safe spaces, and a plan for long-term growth. Whether you're starting from scratch or expanding your current setup, finding the right Daycare Business Loans can make a big difference.In the U.S., daycare business loan trends indicate a growing demand for childcare services, fueled by factors like increased workforce participation and a shortage of affordable options. The child care industry is experiencing fast growth, with projections estimating over annual growth through 2030.Top Daycare Business Loans ProvidersDue to this surge in demand, numerous companies have come forward to offer daycare loans. Amid all these renowned names, choosing the one that provides what they promise is pretty challenging. But we have a solution. From government-backed options to fast-turnaround funding, here’s a practical guide to the top daycare loan providers and how they can help you scale your childcare services.
Best for: Flexible daycare loans with personal supportPurple Tree Funding stands out as a daycare loan provider because of its hands-on approach and broad lending network. Whether you're just getting started or growing a successful daycare center, Purple Tree tailors financing to match your real needs—whether that’s staffing, licensing, renovations, or equipment.
Purple Tree Funding helps you secure a business loan for daycare without the red tape often tied to big institutions. Many providers focus on numbers; they focus on people and daycare owners like you who want to expand smartly.
Best for: Low-interest loans with long repayment periodsThe SBA doesn’t lend money directly, but it works with approved banks and nonprofits to back loans with favorable terms. It's 7(a), and Microloan programs are commonly used for daycare centers looking to fund renovations, hire more staff, or buy new learning materials.
An SBA loan is often seen as the gold standard for a child care school loan. It is ideal for both established centers and ambitious new ones.
Best for: Startups and minority-owned child care centersThis nonprofit lender supports small business owners who are typically underserved by banks. If you’re a first-time owner or run a daycare in a lower-income area, Accion can help you access capital, along with coaching and business support.
If you’ve struggled to get funding through traditional banks, Accion might be the path that opens doors.
Best for: Comparing loan offers with one applicationLendio isn’t a direct lender, but it connects you to dozens of them. This is helpful if you're unsure which type of loan fits your daycare goals. You fill out one application and get matched with various offers.
If you're trying to figure out which type of Daycare business loan provider works best, Lendio gives you access to a wide network instantly.
Best for: Short-term working capital or credit linesRunning a daycare means dealing with seasonal dips, payroll delays, or urgent upgrades. BlueVine provides credit lines up to $250,000 that you can tap into when needed.
It’s especially helpful if your revenue comes in waves or you need to cover quick costs without taking out a full-term loan.
Best for: Fair-credit daycare owners needing quick cashIf your credit score isn’t perfect, Credibly still gives you a shot at funding. They offer working capital loans and equipment financing to help you stabilize or grow your daycare business. Here is what Credibly offers
Credibly provides options that aren't off-limits just because you're not scoring in the high 700s.
Best for: Small, community-backed startup loansKiva offers crowdfunded loans with 0% interest—perfect if you're just launching your daycare or expanding slowly with community support.
It’s not the fastest option, but it’s worth considering if you have a strong network and a compelling mission.
Best for: Fast cash with flexible requirementsIf you're already in business and just need a cash boost, fast! National Funding can be the answer. Their Business loan for daycare center is known for same-day approvals and minimal paperwork.
From a last-minute expansion to emergency repairs, they help you act fast when time matters most.Final ThoughtsWhether you're looking to open your first daycare, expand into a second location, or bring in better equipment and staff, the right daycare business loan can move things forward. With more parents relying on quality child care, the demand is there, and that means opportunity. A daycare loan is simply about building something that lasts, helps families, and pays you back.Purple Tree Funding can help you get a business loan for daycare without wasting time on confusing paperwork or long waits. Whether you’re upgrading classrooms, hiring staff, or launching a new location, we can help you. Get in touch with our team today and see how fast and simple getting a daycare business capital funding can be.If you want to read more articles, 5 Powerful Ways to Grow Your Daycare Business.Let's create a harmonious environment for these kids together!
Clear, honest info about how our funding works. No jargon—just what you need to know.
Most approvals are same day. Once approved, funds usually arrive within 24 hours—no waiting around.
We look at your business performance, not just your credit score. Cash flow and recent bank activity matter most.
Just basic business details and recent bank statements. No long forms—apply online in minutes.
We help all sizes, but you’ll usually need 6+ months in business and $20K+ monthly revenue to qualify.