Business Loans

Faster, easier small business financing with one simple application—no bank needed.

Applying is free and won’t impact your credit.

Reviews from daycare owners.

Lendio knows daycare small businesses.

Whether you’re looking to expand your daycare business or alleviate your short-term working capital needs, we have the loan product your daycare needs to not just succeed, but to thrive. At Lendio we’ve partnered with the best lenders offering the best loans, so you don’t have to waste time finding the perfect loan and can get back to doing what you do best—running your daycare business.

Daycare business loans come in a variety forms. Whether you need something traditional or a little unconventional, our network has the loan product to suit your needs. From debt financing and lines of credit to revenue-based financing, you can find the loan that fits your income and borrowing needs at Lendio. 

Lendio is no stranger to funding for daycare businesses and the type of capital required to grow a profit-driven enterprise. Our network of preferred lenders makes it easy to submit a single application and receive multiple financing options to compare.

What can I use a daycare business loan for?

Whether you’re just starting your daycare business journey or looking to take your established center to new heights, obtaining a daycare business loan can be a game-changer. This additional funding can be utilized in multiple ways to reinforce the growth and success of your daycare enterprise. Here are some ways you can use a daycare loan:

  1. Upgrading facilities: Enhancing your daycare center with improved learning tools, safety equipment, or even a fresh coat of paint can make a world of difference. With a business loan, you can make your daycare center a more engaging and secure environment for children.
  2. Expansion: If your daycare business is thriving and you’re running out of space, a business loan can help you expand your existing location or open a new one.
  3. Staffing: As you grow, you’ll need to hire more staff to keep up with demand. A business loan can help cover those additional payroll costs.
  4. Training programs: Investing in your staff through further education and training can significantly improve the quality of your service. A daycare business loan can help fund these programs.
  5. Marketing: To attract more families to your daycare, you need to get the word out. A business loan can be used to fund advertising and marketing efforts.
  6. Emergency funds: Unexpected expenses or difficult periods can arise without warning. A daycare business loan can provide a financial safety net for these challenging times.

Why Lendio?

Quick & easy

Apply in just 15 minutes and get funded in as little as 24 hours

Your partner in business financing

Get personalized support throughout the funding process. Your funding manager will be with you every step of the way to answer your questions and advocate for you.

Offers tailored to your business

Compare loan offers from multiple lenders. With over 75+ lenders in our network, your funding manager will work with you to ensure you get the best rates and terms for your business.

How our loan matching process works.


Fill out our simple application.

Answer just a few questions about your business to see which lending products you qualify for. We’ve partnered with over 75 lenders, allowing us to find the best option or your business.


We’ll connect you with a funding specialist.

One of our funding specialists will reach out to you to get to know your business better. Since every business is unique, we want to make sure we find the loan type that’s perfect for your needs.


Compare loan offers.

Compare different offers curated for your business. Select the capital amount and rate that will help take your business to the next level.


Get funded.

We work with lenders that can fund you fast. Once you’re approved, you’ll be able to access your capital in as little as 24 hours.

Types of business loans for daycares.

Revenue-based financing

Also called a business cash advance, revenue-based financing allows business owners to borrow money based on expected future revenue. The money is then repaid through daily or weekly withdrawals from the business’ bank account.


1-15 months

$1 million

Debt financing

Debt financing is a more traditional loan product, as borrowers receive the borrowed amount in one lump sum and then make regular monthly payments until the loan amount is paid back. For business owners, debt financing comes in two forms: term loans and SBA loans. 


6 months-25 years

$5 million

Line of credit

A business line of credit works basically the same as a credit card: interest is only paid on money borrowed, and the available credit renews as the principal is paid down. Business lines of credit come with higher borrowing amounts and lower interest rates, which makes them a good financial tool for any business owner with general, intermittent capital needs.  


6-24 months

Up to $250,000


Daycare loans are business loans that are intended for general capital needs or major investments in a daycare. Once taken out, monthly payments are required until the full loan amount is repaid. 


To get a loan through the Lendio platform, daycare business owners should meet the following minimum qualifications:

  • A credit score minimum of 600 
  • Monthly revenue of $8,000 or more
  • Time in business of at least six months


Through a lending marketplace like Lendio, a single application connects you with a network of lenders, so you can quickly find the right loan option for your daycare business. A funding manager will guide you throughout the application and funding process.

SBA loans are insured by the federal government, but are fulfilled by standard lenders. Because they are insured by the federal government, lenders are able to offer borrowers lower rates and higher loan amounts. The difference between an SBA loan and a standard term loan is that SBA loans are typically harder to qualify for and can take longer to process.

Business owners should be aware that there are three types of SBA loans, each of which has a unique purpose. Microloans are for small capital needs, with loan amounts that range between $500 and $50,000. 504 loans are for large capital needs and are intended for large asset purchases, such as long-term use manufacturing equipment. Both it and the 7(a) SBA loan are available for amounts up to $5 million. The difference between the 504 and the 7(a) is that 7(a) can be used for general capital needs and does not require a major asset purchase.  

8 out of 10 Lendio employees* or their families own a small business.

*based on 136 Lendio employees who responded to an internal poll

Compare loan options from multiple funders.

Applying is free and won’t impact your credit.
Talk to a rep at (855) 853-6346
Mon-Fri 7:30am-5pm MST