Child Care and Daycare Funding, in as Little as 24–48 Hours
$20,000 to $500,000+ for established child care centers, daycares and preschools through one 60-second form. One application for our lender network and one dedicated specialist. Daycare business loans and childcare business financing from $20K to $500K+, with one application and one specialist.
- Staff up and open new classrooms before the waitlist moves on.
- Bridge subsidy and tuition timing so payroll never waits.
- Just 3 months of business bank statements to receive offers.Some states require 4 months.
See What Your Center Qualifies For
Takes about a minute. No obligation, and applying won’t affect your credit.
From Application to Funding in Four Steps
The same process we have run for more than 10,000 businesses.
Step01Tell us what you need
Loan amount, monthly revenue and how to reach you. About a minute, and a soft inquiry only.
Step02Meet your funding specialist
One person owns your file. They read your statements, ask the right questions and work the lender network on your behalf.
Step03Compare real offers
Term, payment and total cost side by side. No jargon, and nothing is signed until you understand every line.
Step04Get funded
Sign electronically. Most files fund in as little as 24–48 hours of approval.
What Center Owners Fund with It
Enrollment grows when there’s room and staff to serve it. Funding helps you add both.
- Teachers and staffHire and train ahead of new enrollment and ratio requirements.
- Classrooms and build-outsAdd a room, convert space or refresh the center.
- Playgrounds and equipmentOutdoor play areas, furniture, learning materials and security systems.
- Subsidy payment gapsCover payroll while state subsidy and voucher payments process.
One Application, Every Option That Fits a Child Care Center
Amounts and timing depend on your file. SBA, equipment and receivables financing are also available through the same form.
Working Capital Loan
Short-term capital for payroll, inventory, materials or a slow stretch.
Business Line of Credit
Draw for predictable seasonal swings and redraw as you repay.
Equipment Financing
Finance the equipment you need, where the equipment itself is the collateral.
Business Term Loan
A lump sum with fixed payments for a planned expansion.
Established Businesses Qualify Fastest
Three things decide the menu of offers. None of them is a perfect credit score.
Credit is considered, not decisive. Revenue-based options weigh your deposits more heavily than your score. Lines of credit need 650+.
Florida-Based, Funding Nationwide
A+ rating with the Better Business Bureau. 4.9 out of 5 based on 200+ Trustpilot and Google reviews (as of September 2026).
Speed without the runaround
Pre-approval in hours, not weeks, and funding in as little as 24–48 hours.
One specialist, start to finish
A named person who knows your file, answers the phone and explains every term.
Offers you can compare
Term, payment and total cost side by side, in writing, before you sign.
Repayment that fits
Daily, weekly or monthly repayment matched to how your business actually earns.
Would absolutely recommend Raul to anyone looking to find funding solutions for their company. If it wasn’t for Raul & RAN Funding I would not have been as prepared as I am now to reach my business goals. Thank you!
Daycare Business Funding for Child Care Centers and Preschools
Licensing, staffing ratios and a new classroom all cost money before enrollment catches up. One application reaches a network of funders; decisions in 24–48 hours.
Daycare Business Loans
A business term loan gives your center a lump sum with payments over up to 3 years. Daycare business loans cover playground equipment, classroom furniture, a van for pick-ups and the build-out of an added room. Your specialist shows the total cost before you sign.
Childcare Business Loans
Childcare business loans and childcare business financing are sized to your monthly tuition deposits, not your building. Providers with a year in business and $20K or more in monthly revenue can see offers from $20K to $500K+ after a soft credit check.
Child Care Center Business Loans
Child care center business loans help licensed centers add infant rooms, meet staffing ratios and pass inspections. Child care center business funding from our network comes with a dedicated specialist who explains each offer in plain terms before you decide.
Daycare Business Working Capital
Payroll is due every two weeks whether or not every family has paid. Daycare business working capital bridges late tuition and subsidy reimbursements, covers food and supplies, and keeps staff paid on time. Some products fund the same day you are approved.
Preschool Business Loans
Preschool business loans and daycare center business financing support curriculum upgrades, security systems, outdoor learning spaces and a second location. RAN does not lend; we broker your file to funders that work with early-education businesses.
Fast Daycare Business Loans
A failed HVAC unit or a surprise licensing requirement cannot wait. Fast daycare business loans put money in your account in as little as 24–48 hours after approval. Childcare center business funding on short notice is what the network is built for.
Straight Answers Before You Apply
Can we get funding while waiting on subsidy payments?
Yes. Working capital and lines of credit are commonly used to cover payroll while state subsidy and voucher payments are in process.
Can we use funding to open another classroom or location?
Yes, for established centers. A term loan or working capital is the usual structure for a build-out or expansion.
Does steady weekly tuition help us qualify?
It does. Predictable tuition deposits are easy to verify and easy to size repayment against.
Can a new daycare qualify?
Not through this program. It’s built for centers with at least one year in business and $20,000+ in monthly revenue.
How fast is daycare business funding?
Daycare business funding decisions typically come back in 24–48 hours, and some products fund the same day. You start with a short application and three months of bank statements; a soft credit check shows options without affecting your score. Your specialist shows the total cost before you sign.
Can a home daycare get daycare business financing?
Daycare business financing is built for established providers with at least one year in business and $20K or more in monthly revenue. Licensed home daycares and in-home centers that meet those numbers can qualify alongside larger centers. A specialist can tell you quickly which funders fit your situation.
What can childcare business financing be used for?
Childcare business financing can be used for equipment, renovations, hiring and training, marketing, vehicles and payroll. There are no restrictions beyond keeping it in the business. Many centers pair a term loan for a build-out with a line of credit for week-to-week expenses like food and supplies.
Is RAN Funding a lender for child care center business funding?
No. RAN Funding is a broker and ISO. We present one application for child care center business funding or daycare business loans to a network of funders, and a dedicated specialist brings back offers and walks you through them. BBB A+ rated, 200+ reviews, serving providers nationwide.
Is RAN Funding a lender?
RAN Funding is a business financing broker, not a lender. One application reaches a network of funders, and a dedicated specialist brings back the offers you qualify for with the rate, term and total cost side by side. Our compensation is disclosed and paid by the funder, and it does not change the terms you are quoted.
Ready When You Are
One minute to see your options. A specialist calls back during business hours, Monday to Friday, 9am to 6pm ET.