Specifically for entrepreneurs in the daycare business, we offer loans from $500 to $10,000 for those who are just starting out, and up to $25,000 for those who have been in business for more than six months.

These loans are commonly used for things like working capital, operating costs, vehicle purchase, inventory purchase, equipment purchase, location changes and marketing.

The features of this loan include:

  • Interest rates starting at 8.99%
  • Loan terms from 6 to 60 months
  • No pre-payment penalty
  • Closing costs of 3-5%
  • $135 processing fee applied only to closed loans
Qualification Details: 
  • Credit score of 575 or higher (other credit criteria may apply)
  • Sufficient cash flow to support monthly loan payment
  • No bankruptcies in the past 12 months or foreclosures in the past 24 months (flexible for loans under $2,500)
  • No late payments on your rent or mortgage in the past 12 months (flexible for loans under $2,500)
  • Other criteria may apply


If you don’t meet these basic requirements, we encourage you to check back after you've had a chance to strengthen your application. 

Let's Get Started

In just 15 minutes, you can be on your way toward applying for a small business loan. Start by telling us a little about yourself.