29,236 SBA loans totaling $15.5B have been approved for child day care services businesses (NAICS 624410). The average approved SBA loan is $529K, which is 55% above avg the $340K national average. 1748 active lenders fund this industry with a 7.5% historical default rate.
18% of child day care services loans use this program — ideal for real estate and major equipment purchases
PeerSense places SBA loans for child day care services businesses nationwide. We match you with the right capital source — no retainers, referral fee at closing.
Retainers
Down with SBA 7(a)
Terms Available
Across all SBA loan programs, 29,236 loans have been approved for businesses classified under NAICS 624410 (Child Day Care Services), representing $15.5B in total capital deployed. The average approved loan of $529K is 55% above avg the national SBA average of $340K, with typical repayment terms of 180 months.
SBA lending for child day care services is accelerating — loan volume has grown approximately 39% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2025.
The industry sees a balanced mix of SBA programs, with 18% of loans using the 504 program for fixed asset acquisition and the majority using 7(a) for its flexibility across working capital, equipment, and business acquisition uses. SBA 7(a) loans offer up to $5M with terms up to 25 years for real estate.
PeerSense specializes in matching child day care services business owners with the capital sources most likely to approve their specific deal structure. As an advisory firm (not a lender), we structure your deal across our network of 500+ SBA-approved lenders to find the best terms — our referral fee is established upfront and paid at closing. No retainers.
Offices of Dentists
Offices of Physicians (except Mental Health Specialists)
Offices of Chiropractors
Home Health Care Services
Offices of Physical, Occupational and Speech Therapists, and Audiologi
Offices of All Other Miscellaneous Health Practitioners
Data aggregated from SBA loan records (1992–2025). Child Day Care Services defined by NAICS code 624410. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.