How Much Can Child Day Care Services Businesses Get in SBA Loans?
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.
NAICS 624410 (Child Day Care Services) received 29,236 SBA loans worth $15.5B across 5+ states. Average loan $529K, average term 180 months, default rate 7.5%.1748 active SBA-approved lenders fund this industry. Most child day care services loans use the SBA 504 program. There are approximately 80,120 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Child Day Care Services?+39% growth
Which SBA Program Do Child Day Care Services Businesses Use Most?
What Is the Best SBA Loan for Child Day Care Services?
18% of child day care services loans use this program — ideal for real estate and major equipment purchases
Where Are Child Day Care Services SBA Loans Most Common?
Top SBA Lenders for Child Day Care Services
These banks have funded the most SBA loans for child day care services businesses (NAICS 624410). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Wells Fargo Bank National Association(SD) | 1,585 | $987.7M |
| 2 | Bank of America, National Association(NC) | 1,052 | $201.0M |
| 3 | Readycap Lending, LLC(NJ) | 863 | $794.9M |
| 4 | JPMorgan Chase Bank, National Association(OH) | 853 | $188.5M |
| 5 | The Huntington National Bank(OH) | 849 | $266.4M |
Child Day Care Services Industry Context
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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.
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How Does SBA Lending Work for Child Day Care Services Businesses?
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.
Frequently Asked Questions — Child Day Care Services SBA Loans
What is the average SBA loan size for child day care services businesses?
Which SBA loan program is best for a child day care services business?
How many lenders fund SBA loans for child day care services?
What states have the most SBA lending for child day care services?
How does PeerSense help child day care services businesses get SBA loans?
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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.