Daycare Business Loans

  • Franchise & Independent
  • Direct Industry Knowledge
  • Streamlined Closing Process
  • No Up-Front or APP Fees Ever!

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Need a Loan for your Daycare Business? We can help...

At 1st Commercial Lending, we specialize in structuring Daycare Business loans and Daycare financing for new and current Daycare Business owners. Our Daycare Business Loan specialists understand the unique financing needs of the Daycare owner. Since 2004, we've helped numerous Daycare Business owners acquire, build, expand, equip and refinance their business and real estate debts. When you are ready, we will work with you to understand your specific financing needs and design a personalized plan to help you meet your goals.

1st Commercial Lending's financing solutions offers Daycare Business Owners the full scope of financing to meet their specific needs. Over the years, we have developed a streamlined approval process that offers our clients quick answers and speedy results.

Business Loan Rates

Program Rate Term
SBA 7(a) Loan 6.50% to 7.75% 10 Years
SBA 504 Loan 4.5% Blended 25 Years
Working Cap 6.50% to 7.75% 10 Years

*Rates Are Subject To Change

Daycare Loan Programs

  • Daycare Business Acquisitions

    Acquiring an established Daycare Business can be a great opportunity to advance your professional career. Purchasing an existing practice offers the accounting professional an existing staff, location and client base and is considered much less risky than a start-up.

  • Daycare Business Debt Consolidation

    If you are looking to refinance your Daycare Business Debt, now is a great time to take advantage of all time low interest rates and reduce your monthly debt payment. The resulting increased cash flow and working capital may be just what your Agency needs to reach the next level of success.

  • Expansion or Remodel Projects

    Every successful Daycare, at some point in time, will have the need to upgrade or expand their business. Maybe you have outgrown your current location or see an opportunity in relocating the business.

  • Partner Buy-Out

    Sometimes, a partner buy-out is the most advantageous scenario for the health of your business. Maybe a partner would like to cash-out some equity or the partnership has run it's course. Explore your options with 1st Commercial Lending today.

  • Commercial Real Estate

    A great advantages of having a successful Daycare Business is that you can tap into your built up GOODWILL and purchase commercial real estate to house your business. Why rent, when you can purchase commercial real estate with great financing options. 1st Commercial has the knowledge and experience to guide you through the process.

  • Working Capital Needs

    Easy access to working capital can be a crucial component to operating a successful Daycare business. We have access to both working capital loans and bussiness line of credit programs that can help your business grow when needed. Our finance team has assisted numerous accountants in accessing the cash it needs to keep growing.

1st Commercial's Daycare Lending Partners offers each business owner the full scope of lending programs needed to meet their needs through their businesses entire lifecycle.

Get started and complete our Business Loan Request and one of our experienced business loan advisors will be in touch within 24 hours.

Our Streamlined Process is simple

  • 1

    Loan Purpose

    Complete our Business Loan Quick App on any of our pages and you will be matched with the highest reviewed lender for that type of request

  • 2

    Loan Proposal

    Your Loan Representative will work with you understand your financing goals and if creditworty, issue a loan proposal with rate & term options for you to review.

  • 3


    Choose which options work best for you and move forward to closing! Our entire process typically takes 30 - 45 days.

What Our Clients Have To Say

  • 1st Commercial Lending helped me in finding the best terms that I was able to get from any lender, and then saw the process through all the way to closing the deal, capably answering all of my questions and concerns along the way.

    Of all of the lenders that I came across in this search, I found David to be the most knowledgeable and resourceful; he had thorough knowledge of his industry.

    If you have a need for financing the purchase of an agency I would highly recommend that you put 1st Commercial Lending on the "short list" of lenders that you need to give strong consideration to working with.

    Ron Tinnerman - Tinnerman Ins. Agency

Recent Closings

  • Aug 18 2019

    Insurance Agency


  • Jul 14 2019

    Insurance Agency


  • Jun 29 2019

    Insurance Agency



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