Day Care Center Loans
Day care center loans help owners and investors who want to acquire, refinance, expand, or build childcare and early education facilities, as well as mixed-use properties with childcare tenants.
940+
Loans
854+
Clients
$4.5B+
Funded Loans
Loan for Day Care Center
Many deals also include interior and exterior improvements, such as classrooms, playgrounds, and safety upgrades required for licensing and daily operations.
We evaluate both the property and the business, particularly:
- The property’s value
- Enrollment levels
- Revenue stability
- Location
- Operator experience
Loan Amount: $2 Million to $10 Million
Loan-to-Value: 60 to 75% LTV
Loan Term: up to 25 years
Credit Flexibility: High (Asset-Based)
Interest Rates start from 5.99%
Funds allocation within 2 weeks
Lending Areas: Nationwide
Featured Loan Programs for Car Wash Loans
Types of Day Care Properties That Qualify
Independent Day Care Centers
Independent day care centers, especially when owner-operated or leased to a stable provider.
Multi-tenant Childcare Complexes
Multi-tenant childcare complexes
Childhood Education Facilities
Early childhood education facilities in areas with strong population growth.
Mixed-use Properties
Mixed-use properties with childcare tenants (usually requires evaluation of both childcare and non-childcare income streams).
Our Recent Closings
Multifamily Major Rehab
Westwego, LA | $21,000,000
Refinance Office To Multifamily Conversion Pre-Development
Spokane, WA | $8,200,000
MultiFamily CashOut Refinance
Birmingham, AL | $4,450,000
Uses of Day Care Center Financing
If your daycare isn’t fully up and running yet, you probably won’t qualify for long-term financing right away. You will likely need to use short-term financing upfront and then refinance once enrollment and revenue stabilize.
Purchase an existing day care property with an operating business and active enrollment.
Refinance current mortgage debt.
Renovations such as upgrading classrooms and outdoor play areas, or enhancing safety systems to meet regulatory standards or increase licensed capacity.
New construction, whether for building a standalone childcare center or developing space within a larger education or mixed-use property
Eligible Commercial Properties
Retail Loans
Gas Station Loans
Dental Clinic Loans
Marina Loans
Industrial Loans
Healthcare Loans
Apartment Loans
Funeral Home Loans
Self Storage Loans
Auto Dealership Loans
Day Care Center Loans
Car Wash Loans
Office Loans
Medical Office Loans
Veterinary Office Loans
Hotel Loans
Auto Repair Loans
Restaurant Loans
Eligible Transactions
Purchase Loan
Note Purchases
Pre Construction
Property Repositioning
Tenant Improvement
Ðebt Consolidation
Why choose Private
Capital Investors?
As a direct private lender, we eliminate the “middleman” to provide a faster, more flexible financing experience tailored to the unique lifecycle of a daycare business.
With our competitive rates and a streamlined underwriting process, you can close quickly and stay on track with your investment plans.
Rates start from 5.99%
Nationwide Lending
Fast Closings
No Fluff, Direct Decision Making
Excellent Customer Service
Common Sense Underwriting
Frequently Asked Questions
Do lenders consider enrollment history for daycare loans?
Yes. Lenders will look at how full your center is and how stable that enrollment has been over time.
Can day care center loans include playground or safety upgrades?
Yes. The funds can be used for:
- playground installation or replacement
- impact surfacing, fencing
- gated access
- security cameras and entry controls
- fire alarms, sprinklers
- child-safe flooring
- bathroom upgrades
- classroom reconfiguration to meet code
- HVAC updates
- parking lot, and pickup area improvements
Are startup day care centers eligible for financing?
Yes. But most startup deals have to begin with short-term financing. You can then refinance into a long-term loan once your enrollment and revenue stabilize.
Can financing be used to build a new day care facility?
Yes. Lenders like Private Capital investors are open to funding ground-up construction. But expect the loan to be released in stages as the project progresses.
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Want to learn more? Get in touch with us today.
Our experienced team is ready to assist with your financing needs.
Address:
2101 Cedar Springs Road Suite 1050 Dallas, TX 75201
Phone:
972-865-6206
Email:
info@privatecapitalinvestors.com