Industries we fund · Daycare & Childcare
Working capital for daycare businesses
Childcare centers run on enrollment and ratios: revenue is stable tuition, costs are staff, and growth means space. Licensing makes every expansion a capital project.
Clearwater places daycare files with funding partners that already know the industry: $10K to $2M, sized off your real bank deposits, with no hard credit pull to apply. Searching for daycare business loans? What we place is revenue-based funding - an advance repaid out of daily deposits - and this page explains exactly how it prices so you can compare honestly.
How funders read a daycare file
Daycare files read like membership businesses: recurring weekly or monthly tuition, low churn, waitlists as evidence of demand. Funders price that stability well. State subsidy payments (where applicable) read as reliable revenue with occasional timing lag - normal and priced in. Expansion stories are the standard use: a new room, a van, playground compliance - capacity converts directly to enrolled revenue when a waitlist exists.
What daycare businesses use the capital for
- Buildout for additional licensed capacity
- Playground and safety compliance
- Vans for pickup routes
- Payroll through enrollment ramps
What the numbers look like
Most files support roughly half to 1.4 times monthly bank deposits - where a file lands depends on deposit consistency, time in business, and existing positions. As an illustration only: a daycare business depositing $50,000 a month might see an advance around $45,000, repaid as about $283 per business day until a fixed $59,400 is paid. The total is fixed on day one - it never compounds or grows - and most deals carry prepayment discounts, shown with your offer.
| Advance range | $10,000 - $2,000,000 |
| Monthly revenue floor | $10,000 in business deposits |
| Time in business | 6+ months |
| Credit | Cash flow weighs more - scores from 450 workable |
| To apply | No hard credit pull. 4 months of statements + month to date |
Daycare & Childcare funding questions
Part of my revenue is state subsidy. How does that read?
As reliable revenue. Subsidy timing can lag, which funders in this space understand - the trailing pattern is what gets priced.
We have a waitlist but no room. Is expansion fundable?
A waitlist is the best demand evidence there is. Buildout-for-capacity is the classic daycare file and it places well.
What are the minimums?
About six months operating and roughly $10K a month in deposits. Newer centers with strong enrollment can still qualify - the file just prices more conservatively.
See your number, not a sales pitch
Two minutes, no hard credit pull, and the estimate is sized off your real deposits.
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