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Expand enrollment, meet licensing requirements, and pay great staff — funded on your steady tuition revenue.
Childcare centers run on two hard constraints: licensed capacity and staff ratios. Growth means build-outs, equipment, and hiring — all of which cost money up front while tuition arrives monthly. The good news for funding: tuition is among the steadiest revenue underwriting ever sees, and steady deposits are exactly what qualifies a file.
We fund daycare centers, preschools, after-school programs, and in-home providers operating as businesses at $5,000–$10 million. Licensing-driven purchases — safety upgrades, playground equipment, facility modifications — are among the most common uses.
Underwriting reads the balance between deposits, not only the monthly total. Tuition arrives on a schedule and payroll leaves on one, so a center running close to zero in between sizes smaller than one with the same revenue and a float in the account. Where a center does see a summer dip, the answer is a document: last year's statements for the same four calendar months, which show the dip as a season that behaved the same way last time.
Centers typically see 80%–150% of monthly tuition revenue, within $5,000 to $10 million. A center collecting $50,000 a month generally lands in the $40,000–$75,000 band. Because tuition is recurring, repayment schedules here tend to be more predictable than in most industries.
Underwriting keys on revenue consistency more than margin — and tuition revenue is remarkably consistent. Sizing the remittance to your actual cash flow is your advisor’s job; say what’s comfortable.
Yes — it’s one of the most common childcare uses, and often urgent when a licensing visit sets a deadline. Tell your advisor about the timeline; deadline-driven files get prioritized.
Approval is based on the revenue of your existing operation — the standard path multi-site operators use. A signed lease and enrollment waitlist strengthen the story.
Yes, and it's one of the clearest cases we see: capacity is capped by license and ratios, so hiring to open a room has a direct, calculable return.
As normal. Enrollment cycles are expected, and the $10,000 monthly minimum is read as an average across four months of statements, so a summer dip does not stop you qualifying. What a deep dip can change is size: when the weakest month in the four-month window falls far below the window's average, the remittance is sized to that month rather than to the average. Last year's statements for the same four months are what let the average stand, and context on your calendar keeps a seasonal dip from reading as decline.
Yes. Tuition landing in the business bank account counts as revenue whoever sent it. Keep every payment source paying into one business operating account, because revenue landing in a personal account, or in a second account whose statements you do not send, is generally not counted. And if a payment cycle leaves a visibly thin month inside the window, explain it in the application rather than waiting to be asked.