Finance your childcare center's growth
Daycare centers and childcare facilities need capital for licensing requirements, facility upgrades, playground equipment, and staff hiring. The regulatory burden alone — state inspections, safety certifications, staffing ratios — demands significant upfront investment before you can enroll your first child. Bay Street Lending connects childcare operators with lenders who understand the steady, subscription-style revenue model of daycare businesses. Whether you are building out a new facility, expanding capacity at an existing center, or acquiring an established operation, we match you with financing structured for childcare economics.
Meeting state childcare regulations requires facility upgrades, background checks, and safety equipment — all before you open.
Buildout and renovation of childcare-appropriate spaces can cost $100K–$500K. SBA loans offer favorable terms.
You need to hire and train staff before enrollment ramps up. Working capital covers the gap.
Yes. SBA loans can fund new facility buildouts. Working capital can cover initial licensing, supplies, and marketing. You may need a business plan and some operating history.
Franchise operations often qualify more easily due to the proven business model. SBA loans are especially well-suited for franchise funding.
Absolutely. Equipment financing covers commercial playground structures, safety surfaces, classroom furniture, and educational technology.
One application, no credit impact, and a dedicated specialist to walk you through your options. See what you qualify for in minutes.