Daycare Business Loans

Daycare business loans keep your business growing

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Types of Daycare Business Loans

Small Business Loans icon

Small Business Loans

Get the financing you need to run a successful daycare business.

$5,000 to $500,000

Equipment Financing and Leasing icon

Equipment Financing and Leasing

Purchase or lease equipment for your daycare business.

Up to $150,000

How Daycare Financing Can Help You

Running a daycare is a rewarding and fulfilling career. However, the cost to keep your facility operating smoothly can be expensive. Training employees, paying for insurance and making sure your facility is safe for the children you care for are all expenses that can add up quickly. Small business loans for daycare facilities can help you pay for these business necessities.

Pay Employees icon

Pay Employees

  • Use business loan funds to hire and train new employees
  • Cover payroll expenses when you’re waiting for invoices to clear
Keep Your Daycare Safe icon

Keep Your Daycare Safe

  • Daycare loans give you the money you need to purchase safety equipment like highchairs and car seats
  • Invest in commercial cleaning equipment to make sure your food service areas are free of bacteria
Expand to a New Location icon

Expand to a New Location

  • Pay for the costs to open a new location
  • Loan funds can be put towards advertising and promoting your new daycare facility
Invest in Safe Transportation icon

Invest in Safe Transportation

  • Purchase safe and reliable transportation for fields trips and pick up or drop off services
  • Provide regular maintenance to your vehicles to ensure they run smoothly and safely

How to Apply

How do daycare business loans work? Applying for daycare financing has never been easier.
How to Apply steps

Why National Funding?

Whether you run your daycare out of your home or have a large facility, we know that the most important aspect of your business is providing expert childcare. To provide the best possible care for your clients and their children, you need access to funds to pay for employee training and other expenses. At National Funding, our Funding Specialists take the time to learn about your business and your passions. Our small business loans for daycare facilities include flexible payment options and fixed rate solutions.

We Know Daycare Businesses

We Know Daycare Businesses

Experience supporting daycare business owners

Trusted by Businesses Like Yours

Trusted by Businesses Like Yours

Over $4.5 billion in funding to more than 75,000 businesses nationwide

Personalized Experience

Personalized Experience

Lending solutions and payment options tailored to your specific needs

Fast & Easy Application Process

Fast & Easy Application Process

No-cost, no-obligation application with funding in as few as 24 hours1

Funding Specialists Who Care

Funding Specialists Who Care

Experienced Funding Specialists help you make the right decision

Worry-Free Lending

Worry-Free Lending

No collateral requirements, plus simple, automatic payments3

Daycare Business Resources

Being in charge of a daycare can be rewarding, but also exhausting. At the end of the day, it can be difficult to take the time to research your financial options, such as daycare financing. We’ve put together resources to help you find the information you need to run a successful daycare and make smart business decisions.

When It’s Ok to Say No to New Business

When It’s Ok to Say No to New Business

Most daycare owners are compassionate and caring. This can make it difficult to say no to new business. You may worry that saying no will cause you to lose business in the future. However, turning down new business now can sometimes be helpful in the long-term success of your daycare.

4 Ways to Maintain Cash Flow During the Slow Season

Traditional lenders like banks aren’t always able to look at the individual circumstances of a business. If you’ve been turned down for daycare business loans from the bank, you’re not alone. Find out what your alternative lending options are to get the financing you need.

4 Ways to Maintain Cash Flow During the Slow Season

5 Benefits of Being a Small Business Owner

5 Benefits of Being a Small Business Owner

You love caring for kids and running your daycare facility, but did you know there are more benefits to running your own business than enjoying your work? Check out some of the top reasons why being a small business owner is an excellent career choice.

Ratings & Reviews

We are very proud of what our customers are saying on TrustPilot.


Trustpilot rates 4.5 out of 5

Based on 1,752 Reviews

Trustpilot rates 5 out of 5Jul 19

As far as bridge financing goes...

As far as bridge financing goes these guys are about as good as it's going to get we paid it off early and got a 10% discount on the balance

Randy Shoemaker

Trustpilot rates 5 out of 5May 28

Eric Fong did an amazing job

I will definitely recommend any small business needing one form of funding or the other to check National Funding out.

Sam A.

Trustpilot rates 5 out of 5Jun 06

Hats off to the team that helped me…

Hats off to the team that helped me with some business lending. They made the process super easy for both working capital and equipment loans.

Hallie Beilig

Trustpilot rates 5 out of 5Jun 15

Great experience

Great experience, easy funding, paid next day! Smooth & straightforward process! Still lowest offered than any other lenders.