Daycare & Childcare Business Financing
We make getting an affordable business loan as easy as ABC
Apply nowDAYCARE AND CHILDCARE FINANCING WITH CELTIC BANK
Buy, Build or Expand Your Daycare or Childcare business
Ready to grow your daycare or childcare business? Whether you need money for real estate, construction, renovation, acquisition or more, partner with the lender who knows your business.
While other banks may shy away from daycare loans, at Celtic Bank we welcome them.
Our experienced team understands the challenges that come with setting up a commercial business in a residential neighborhood, expanding facilities to keep up with enrollment demand, and complying with strict licensure requirements. And we can structure our loans around the complications of zoning requirements, educational standards, and special insurance laws that are unique to the childcare industry.
Our SBA 7(a) loans provide fast, affordable, and effortless funding. Free up your time to focus on the important things, like increasing enrollment and building relationships to grow your business.
Daycare and Childcare Financing Details
Compared to other financing options, the SBA 7(a) loan often gives qualified daycare and childcare providers lower rates, longer terms and more flexibility. It is a great financing option for any kind of childcare center. From independent daycares to franchised childcare centers, and everything in between, you can use an SBA 7(a) loan to finance it.
As a preferred SBA lender, we can approve loan applications in house, accelerating your time to funding.
With SBA 7(a) Financing Get:
- Rates at, or below prime + 2.75%
- Up to 85% loan-to-value (LTV)
- Up to $5M in funding
- Terms up to 25 years
- No balloon payments
USES OF DAYCARE AND CHILDCARE FINANCING
Get What You Need—and When You Need It
If you are looking for business financing that gives you more bang for your buck, the SBA 7(a) loan is it. SBA 7(a) financing gives you the funds to invest in the things that keep you competitive in the long-term—while still having the cash flow for your day-to-day expenses. You can use an SBA 7(a) loan to:
Build a new preschool or daycare center
Buy out a partner
Refinancing business debt
Purchasing an existing preschool or daycare
Invest in new supplies and toys
Hire skilled teachers
Implement new learning programs
Upgrade safety features
Launch a marketing campaign






