Ready To Move Your Business Forward?
Types of Daycare Business Loans
Small Business Loans
Get the financing you need to run a successful daycare business.
$5,000 to $500,000
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
- 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
- Daycare loans give you the money you need to purchase safety equipment like highchairs and car seats
- Invest in commercial dishwashers and other cleaning equipment to make sure your food service areas are free of bacteria
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
- 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.
"Was approved in a couple of days. Awesome customer service from my Loan Specialist. Kudos to you!”
- Starting Point Montessori Center
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 loan 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
Experience supporting daycare business ownersTrusted by Businesses Like Yours
Over $3 billion in funding to more than 50,000 businesses nationwidePersonalized Experience
Lending solutions and payment options tailored to your specific needsFast & Easy Application Process
No-cost, no-obligation application with funding in as few as 24 hours1Loan Specialists Who Care
Experienced Loan Specialists help you make the right decisionWorry-Free Lending
No collateral requirements, plus simple, automatic paymentsDaycare 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
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.

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.
Disclosures
Legal Disclosures
True to our mission, we encourage you to read the following policies and learn how they affect you as a client.
(1) 24 hours:
Fast approvals and 24 hour funding subject to receipt of required documentation, underwriting guidelines, and processing time by your bank. Funds are deposited into your business checking account as soon as the next business day after approval and acceptance of terms.
(2) Early payoff discounts:
National Funding offers special opportunities for its customers to terminate contracts early and receive a discount in the process. Equipment Finance customers who pay off the total remaining balance early, at any point during the contract, will automatically receive a 6% discount off the total remaining balance. Working Capital customers who pay off the total remaining balance in full within the first 100 days of the contract will automatically receive a 7% discount off the total remaining balance. We do not currently offer a discount on our lease contracts. Customers must pay off the balance in full, be current, and in good standing to take advantage of the discount within the time parameters.
(3) Automatic payments:
Loan payments are withdrawn via Automatic Clearing House (ACH) Monday through Friday excluding bank holidays.
(4) Wide variety of payment options:
- Equipment Financing: payments are remitted monthly with terms of 2-5 years
- Working Capital Loan: payments can be remitted daily or weekly with terms of 4 months up to 24 months
(5) Potential Tax Savings:
The Section 179 Tax Deduction allows businesses to deduct the full purchase price of qualifying equipment and/or software purchased or financed during the tax year. Meaning, if you buy (or lease) a piece of qualifying equipment, you can deduct 100% of the purchase price from your gross income. You can secure the equipment, tools, and technology you need, while also taking advantage of significant tax deductions - up to $1,000,000. Consult your tax professional for more details.
(6) Guaranteed lowest payment:
Pursuant to the terms and conditions specified in these Rules and Restrictions of the Guaranteed Lowest Payment, National Funding guarantees to provide the lowest payment on equipment leased through National Funding, for lease terms from 24 to 60 months, or to pay $1000 towards qualifying executed leases. Lease payment comparisons must be based on a lease in excess of $10,000, for approved equipment, and with the same terms and conditions as those offered by National Funding within seven days that the National Funding terms are issued. To be eligible, customers must provide a competitive lease quote without contingencies, and vendor invoice, and in the name of the lessee within seven calendar days of the date National Funding issues its terms. Guarantee only valid on competitive equipment leases. Equipment finance agreements do not qualify.
In the event that the monthly lease payment amount from the competing lease company or bank is lower than the monthly payment that is being offered by National Funding for the same equipment and pursuant to the same terms, National Funding will verify the validity and accuracy of the competing leasing company’s or bank’s payment options, terms and the vendor quote. National Funding has the option, in its sole discretion, to either beat the competing leasing company’s or bank’s monthly payment rate, or pay $1000 to the lessee. The lessee must provide National Funding with the competing company’s or bank’s signed lease agreement with payment terms/options, and take delivery of the equipment. Payments will be made within 30 days, and lessee is responsible for any taxes.
The Guaranteed Lowest Payment is available to both new and established customers of National Funding. This offer is valid for new lease applications only. The Guaranteed Lowest Payment is not retroactive — a previously funded equipment lease with National Funding is not eligible for the Guaranteed Lowest Payment. Only non-contingent offers of lease terms and payment are eligible. Offers made to lessee that include subsidization by manufacturers and/or vendors will not be considered in comparing competing offers.
The Guaranteed Lowest Payment may be discontinued at any time without notice.
To participate in the Guaranteed Lowest Payment program, if you have a lease agreement and vendor quote which you believe will qualify for the program, contact your National Funding Lease Manager.
(7) Terms and Conditions apply:
This is not a guaranteed offer of credit. Loans subject to lender approval. Approval amount is based on eligibility determined by information obtained from Dun & Bradstreet. Actual eligibility may vary. Restrictions may apply. Application is subject to approval by the lender and is based on factors such as business type, time in business, annual sales, average bank balances, personal credit and other variables deemed relevant by the lender.