Business financing
Short-Term Financing for Child Care
Straightforward short-term financing with quick approval and a clear, fixed repayment schedule. Flexible capital for child-care centers and daycares to run a safe, fully staffed facility — even when enrollment fluctuates or state subsidy payments run behind schedule.
- Amount
- $10K – $500K
- Speed
- As fast as 24 hours
- Repayment
- Fixed schedule, 3–18 months
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What you can fund
How Child Care put Short-Term Financing to work
Staffing & retention
Fund competitive wages and signing bonuses to attract and keep qualified caregivers.
Facility upgrades
Renovate classrooms, play areas, or restrooms to meet licensing standards.
Supplies & curriculum
Purchase materials, safety equipment, and technology at the start of each program year.
Cover enrollment gaps
Manage cash flow during slow periods or while waiting on subsidy disbursements.
Why choose it
Why Short-Term Financing fits Child Care
Predictable payments
A fixed repayment schedule means you know the cost and the timeline up front.
Quick decisions
Streamlined review gets you an answer in hours, not weeks.
Lump sum up front
Receive the full amount at once to fund a project, purchase, or short-term need.
Clear payoff date
Defined terms mean the balance is fully resolved by a set date with no open-ended commitment.
Best fit
A strong fit when you're
- Funding a specific, one-time project or purchase
- Owners who want a fixed, predictable payment
- Bridging a short-term cash flow need
- Businesses that prefer a clear payoff date
Questions
Common questions
How is repayment structured?
You receive a lump sum and repay it on a fixed schedule, typically over 3 to 18 months, so the cost and payoff date are clear from the start.
What do I need to qualify?
Most approvals are based on your monthly revenue and time in business. A short application and recent bank statements are usually all that's required.
How fast can I be funded?
Decisions are often made the same day, with funds reaching your account in as little as 24 hours after approval.
What will it cost me?
You'll see a clear, fixed total cost and payment amount before you accept, with no compounding surprises or hidden fees.
See what you qualify for.
Apply in minutes and see what your business qualifies for — no obligation, no impact to your credit.