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SBA loans for child care businesses

Build, acquire or grow your child day care with flexible, long-term financing.

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A woman sits at a table with four young children playing with building toys. Shelves and a wall with climbing holds are visible in the background.
A playground structure with slides and climbing features sits on grass near a building with columns; a palm tree is visible in the background.

How SBA loans support child care centers.

Whether you’re expanding your facilities, acquiring a new business or purchasing a property, we understand the child care industry and know how to secure SBA funding that also supports facility upgrades, staffing, compliance, and long‑term growth.

As a top Small Business Administration (SBA) lender, our lenders are experienced in helping child care businesses secure the financing they need. And, as an SBA Preferred Lender, Byline can make credit decisions in-house, with flexible qualifying requirements and expedited approvals.

Why Byline Bank?

Our lending specialists understand the child care industry. We know how to structure a loan that meets your needs.

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Details

  • Amount: Up to $5 million
  • Financing percentages: Up to 90% financing for acquisitions and up to 100% financing for expansions
  • Term: Up to 10 years for most uses, and up to 25 years for real estate
  • Footprint: Nationwide
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Purposes

  • Business acquisition
  • Business expansion
  • Start-up
  • Equipment purchase
  • Working capital
  • Refinance
  • Real estate acquisition

Benefits

  • Faster approvals thanks to Byline’s SBA Preferred Lender status
  • Longer amortization
  • Lower loan payments
  • No future balloon payment
  • Closing costs can be included

Case Study

Casa de Corazón

Challenge
Air Force veteran Nick Plummer wanted to establish a Spanish-immersion childcare center in his hometown but found franchise financing to be a challenge.

Solution
As an experienced SBA lender in the child care industry, Byline Bank understood Nick’s vision and business model and provided financing to open one location, with plans for another.

See how we helped

A brick commercial building with large windows and two signs reading "Kids Care Dental & Orthodontics" against a clear blue sky.
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Write your next chapter with a Byline small business loan.