Daycare business loans, fast.

Apply for financing today to build your business, upgrade your equipment, or fund your next project.
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$250K daycare loan approved!
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Reviews from daycare owners.

Business owners love that Sunrise Capital helps them get funding without the headaches.

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Justin Kabota

Great job my guy.

RW
Robin Washington

After other lenders dragged their feet, Steve came through with $200K. His professionalism is unmatched......

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Andrea

It was a great experience dealing with Alexis from Sunrise Capital . Thanks so much for helping me get financing for my small business.

JA
Jake

Sunrise Capital was very helpful in getting me setup with the right loan, very smooth experiance!

MR
Mrbrenk

Made it simple to.find a lender. Walked me thru the process every step.

BD
Big Dame Big Dame

I went online lastnight (Thursday) and requested a business loan. Friday I received a call from Jarrad Cohen and he was AMAZING! He communicated the entire time, needless to say I GOT FUNDED TODAY! Thank you sooo much Jarrad! I'm so grateful .

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Based on 235 reviews

Proven daycare lending expertise.

Get the answers and the funding you need with support all along the way.

$150,000

in small business funding facilitated in the last decade.

4.7 stars

21,000 Trustpilot® reviews.
50% repeat customers.
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85% approval rating

21,000 Trustpilot® reviews.
50% repeat customers.
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Four simple steps to daycare funding.

Tell us about your business.
Answer a few simple questions and complete the application in minutes.
Submit your application.
Applying is free and won’t impact your credit score.
Compare offers.
Find the funding option with the terms that best fit your small business goals.
Get funded.
Once you accept, funding can hit your bank account in as little as 24 hours.
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Sunrise Capital knows the daycare small business.

Whether you’re looking to expand your daycare business or alleviate your short-term working capital needs, we have the loan product your daycare needs to not just succeed, but to thrive. At Sunrise Capital we’ve partnered with the best lenders offering the best loans, so you don’t have to waste time finding the perfect loan and can get back to doing what you do best—running your daycare business.

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Bridge capital between enrollment shifts

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Purchase supplies, furnishings and equipment

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Refinance existing debt

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Pay your staff

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Invest in marketing

What type of commercial real estate funding is best for your business?

These are the most popular types of funding that other daycare-based businesses qualify for through Sunrise Capital.

Revenue-Based Financing

Access funding based on your future revenue and repay with regular payments.

Accounts Receivable Financing

Convert unpaid invoices into immediate cash flow by selling your accounts receivable to a third party.

Business Term Loan

Borrow a lump-sum with a set repayment schedule, and get funding quickly with online options.

What types of business loans are available to daycare businesses?

Line of Credit

With Sunrise Capital, clients can get approved for a revolving line of business credit in as little as 48 hours. The biggest benefit to a business line of credit is that you get access........

Term Length
1–15 months
Max Loan Amount
$1 million

Short-Term Loans

Short-term business loans are typically repaid within two years or less time, depending on the conditions of the loan. They are best used when covering unexpected costs or when extra......

Term Length
6 months - 25 years
Max Loan Amount
$750,000

Long-Term Loans

Long-term business loans range from five to twenty years and are typically used when looking to make a larger investment or expansion in your business. Most often, these loans......

Term Length
6-24 months
Max Loan Amount
up to $250,000

Invoice Factoring

Invoice factoring is a fantastic funding option for businesses that deal with invoicing and have had trouble tracking down payments. Essentially, with invoice factoring.......

Term Length
1-5 years
Max Loan Amount
$5 million

FAQs

Find answers to some commonly asked questions in the daycare industry.

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What is a daycare loan?
Daycare loans are business loans that are intended for general capital needs or major investments in a daycare. Once taken out, monthly payments are required until the full loan amount is repaid.
What are the requirements to get a daycare loan?
To get a loan through the Sunrise Capital  platform, daycare business owners should meet the following minimum qualifications:
  • A credit score minimum of 600
  • Monthly revenue of $8,000 or more
  • Time in business of at least six months
What are the benefits of an online loan marketplace?
Through a lending marketplace like Sunrise Capital , a single application connects you with a network of lenders, so you can quickly find the right loan option for your daycare business. A funding manager will guide you throughout the application and funding process.
What is an SBA loan?
SBA loans are insured by the federal government, but are fulfilled by standard lenders. Because they are insured by the federal government, lenders are able to offer borrowers lower rates and higher loan amounts. The difference between an SBA loan and a standard term loan is that SBA loans are typically harder to qualify for and can take longer to process.
What are the different types of SBA loans?
Business owners should be aware that there are three types of SBA loans, each of which has a unique purpose. Microloans are for small capital needs, with loan amounts that range between $500 and $50,000. 504 loans are for large capital needs and are intended for large asset purchases, such as long-term use manufacturing equipment. Both it and the 7(a) SBA loan are available for amounts up to $5 million. The difference between the 504 and the 7(a) is that 7(a) can be used for general capital needs and does not require a major asset purchase.

Ready for funding?

See what you can qualify for on the Sunrise Capital Marketplace.
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