Funding for Childcare & Daycare Centers in All 50 States
Fast, founder-friendly capital for childcare and daycare centers in All 50 States. Decisions in 24 hours, no collateral, and a team that backs women-led businesses.
See What You Qualify For →Capital built for childcare & daycare centers
Payroll and ratios do not wait for the subsidy check to clear or the build-out to finish. Funding keeps every classroom staffed and licensed while the money catches up.
How childcare funding actually works
A daycare runs on two clocks that never sync. Regulations set the staff-to-child ratios you must pay for today, while subsidy and voucher payments arrive weeks late. You are legally required to have the teachers on the floor before the reimbursement shows up — and that gap is where owners get stuck.
Two ways owners use it
Payroll and ratio capital. Keep enough qualified teachers on staff to stay compliant and enrolled while you wait on subsidy or private-pay dollars.
Facility capital. Fund the build-out, playground, licensing, or new room that lets you add seats and raise capacity.
What owners use it for
Payroll, build-outs, licensing fees, bridging subsidy delays, and adding classrooms — from $10,000 to $2,000,000 based on monthly revenue.
Why owners skip the bank
Banks move too slowly for a payroll deadline and want collateral you would rather not pledge. This is faster and lighter — decisions in about 24 hours, funds in 24–72, no collateral, bad credit considered. Qualify with 3+ months operating and about $10,000+ in monthly revenue — recent business bank statements start it.
Why women founders choose Lady's First
Decisions in 24 hours
Apply in 2 minutes and get a real answer fast — no waiting weeks on a bank.
No collateral required
Unsecured funding based on your revenue and business health, not your assets.
Built for women-led businesses
Funding and support designed around how childcare and daycare centers actually grow.
Childcare & Daycare Centers funding across the country
We fund childcare and daycare centers nationwide.
Frequently asked questions
Can this cover payroll while I wait on subsidy payments?
Yes. Bridging the lag between paying teachers now and receiving subsidy or voucher reimbursement later is one of the most common reasons childcare owners use this funding.
Will opening a new classroom or location disqualify me?
No. Expansion is a normal use of funds — build-out, licensing, and the extra staff to meet ratios are all things owners regularly fund this way.
How much funding can I get?
Funding is based on your monthly revenue and business performance — most women-owned businesses qualify for $10,000 to $500,000.
How fast can I get funded?
Decisions can come in as little as 24 hours, with funds typically deposited within 24–72 hours of accepting your offer.
Will applying hurt my credit?
No — applying requires no credit check. We focus on your business revenue and don't pull credit until you review and sign terms.
Do I need collateral?
No. Our funding is unsecured and based on the health of your business, not your assets.
Ready to fund your next move?
Join the women business owners who chose speed, flexibility, and a partner that says yes. Get your estimate in 2 minutes.
Apply Now →