SBA Loans for Child Care & Daycare Centers
29,236 SBA loans have funded child care & daycare centers nationwide, averaging $529K across 1,748 active SBA lenders, at an average note rate of 7.1%. SBA 7(a) loans up to $5M fund acquiring a daycare or child care center and owner-occupied facility real estate; SBA 504 loans cover owner-occupied real estate and equipment with as little as 10% down. PeerSense reads this lending history and matches you to the lender most likely to fund a child care center.
Published: ·Last updated: ·By Ed Freeman, Capital Advisor. PeerSense
Source: SBA 7(a) and 504 loan records (NAICS 624410), 2000 to present.
29,236
SBA Loans Funded
$529K
Average Loan
7.1%
Avg Note Rate
15 yrs
Avg Term
1,748
Active Lenders
11.9%
Charge-Off Rate (resolved-loan basis)
What child care & daycare centers use SBA loans for
Where child care & daycare centers get SBA financing
| State | SBA Loans | Capital Deployed |
|---|---|---|
| Texas | 3,376 | $2.8B |
| Florida | 2,664 | $1.8B |
| California | 2,170 | $1.2B |
| Georgia | 1,705 | $1.4B |
| Ohio | 1,313 | $481.2M |
SBA lenders active with child care & daycare centers
Ranked by real SBA funding activity in Texas, the top state for child care & daycare centers. PeerSense routes your deal to the lender most likely to approve and price it. You work with us, not a call list.
Get matched to an SBA lender for a child care center.
Tell us your loan amount and use of funds. We route you to the lender most likely to fund a child care center, anywhere in the US.
SBA 7(a) / 504, Child Care & Daycare Centers: Response within 24–48 hours. No obligation.
How child care & daycare centers qualify for an SBA loan
SBA 7(a) loans are the most common path for child care & daycare centers financing acquiring a daycare or child care center. They run up to $5M, fund up to 90% of a project, and amortize over 10 years for a business purchase or up to 25 years when real estate is included. SBA 504 loans pair a bank loan with a CDC debenture for owner-occupied real estate and heavy equipment, typically at 10% down.
With 29,236 loans on record across 1,748 lenders and a 11.9% historical charge-off rate, child care & daycare centers are a well-understood credit to SBA lenders, but not every lender is active in this profession or comfortable with its deal structure. PeerSense reads the lending history and routes your deal to the lender most likely to approve and price it, then stays with you through closing.