Health & Medical · lender intelligence
How to finance a Children's Lighthouse Early Learning Schools
The SBA 7(a) lenders funding the most Children's Lighthouse Early Learning Schools deals, ranked from public loan records — typical Children's Lighthouse Early Learning Schools loan about $4.3M, 0% failure rate across 25 loans. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Children's Lighthouse Early Learning Schools
$4.31M
Typical loan
range $444K–$5.00M
$4.79M
Est. purchase price
≈ loan ÷ 90%
$662,258
Cash to close
$478,889 down + fees
$55,770/mo
Typical payment
~9.5% · 10yr
$769,626/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
26 days
Typical time to fund
12
Lenders competing
more = leverage
6.37%
Avg rate on record
cap ~9.75%
Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.
Most active with Children's Lighthouse Early Learning Schools
Ranked by funded Children's Lighthouse Early Learning Schools loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.1,296 loans · $1.4B · Wilmington, NCFull record →
- 2.5 loans · $16M · Humble, TXFull record →
- 3.62 loans · $34M · Winter Haven, FLFull record →
- 4.22 loans · $33M · Dallas, TXFull record →
- 5.318 loans · $229M · Osage Beach, MOFull record →
- 6.31 loans · $24M · Malvern, PAFull record →
- 7.53 loans · $101M · Dallas, TXFull record →
- 8.75 loans · $98M · Sioux Falls, SDFull record →
- 9.128 loans · $40M · Wilmington, DEFull record →
- 10.34 loans · $57M · Charlotte, NCFull record →
25+ funded Children's Lighthouse Early Learning Schools deals
Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.
- KKA Woodforest LLC in Montgomery, TX — $5.0M (2026) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 7.25% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $3.8M (75%)
- Approval → funding
- 10 days
- Approved
- 12/9/2025
- First disbursed
- 12/19/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 44
- Business age
- Change of Ownership
- Industry
- Child Care Services
If you were the buyer here
- Est. deal size
- $5.6M
- Est. down payment (10%)
- $556K
- Est. cash at closing
- $769K
- Monthly payment
- $36,140
- Annual debt service
- $434K
- Cash flow needed (1.25×)
- $542K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
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- DHC Clay Road Inc. in Katy, TX — $5.0M (2026) · purchase · Plains State Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6.25% fixed
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $3.8M (75%)
- Approved
- 1/28/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 1
- Business age
- Change of Ownership
- Industry
- Child Care Services
If you were the buyer here
- Est. deal size
- $5.6M
- Est. down payment (10%)
- $556K
- Est. cash at closing
- $769K
- Monthly payment
- $32,983
- Annual debt service
- $396K
- Cash flow needed (1.25×)
- $495K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Plains State Bank · Lender record →
Your business? Claim this record · Request removal
- Gyan Academy, LLC in Liberty Hill, TX — $5.0M (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 7.08% variable
- Term
- 315 months
- SBA guaranteed
- $3.8M (75%)
- Approved
- 2/20/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 27
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Child Care Services
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- Joyful Kidz Care LLC in Katy, TX — $444K (2026) · Bank of America, National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 7.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $222K (50%)
- Approved
- 1/16/2026
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- New Business or 2 years or less
- Industry
- Child Care Services
Funded by Bank of America, National Association · Lender record →
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- NORTHLAKE BLOSSOMS, LLC in Argyle, TX — $317K (2025) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 126 months
- SBA guaranteed
- $238K (75%)
- Approved
- 9/29/2025
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 33
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Child Care Services
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
- JAFO1, LLC in Lake Saint Louis, MO — $5.0M (2024) · Customers Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% fixed
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $3.8M (75%)
- Approval → funding
- 28 days
- Approved
- 1/31/2024
- First disbursed
- 2/28/2024
- Loan status
- Payments deferred
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 35
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Child Care Services
Funded by Customers Bank · Lender record →
Your business? Claim this record · Request removal
- Harmony Early Learning School LLC in Spring, TX — $1.5M (2024) · purchase · The Bancorp Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.1M (75%)
- Approval → funding
- 13 days
- Approved
- 10/7/2023
- First disbursed
- 10/20/2023
- Loan status
- Payments deferred
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 34
- Business age
- Change of Ownership
- Industry
- Child Care Services
If you were the buyer here
- Est. deal size
- $1.7M
- Est. down payment (10%)
- $170K
- Est. cash at closing
- $233K
- Monthly payment
- $19,950
- Annual debt service
- $239K
- Cash flow needed (1.25×)
- $299K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by The Bancorp Bank National Association · Lender record →
Your business? Claim this record · Request removal
- 2 T Childcare Corporation in Cypress, TX — $365K (2024) · purchase · T Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $273K (75%)
- Approval → funding
- 64 days
- Approved
- 9/12/2024
- First disbursed
- 11/15/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 33
- Business age
- Change of Ownership
- Industry
- Child Care Services
If you were the buyer here
- Est. deal size
- $405K
- Est. down payment (10%)
- $41K
- Est. cash at closing
- $54K
- Monthly payment
- $4,817
- Annual debt service
- $58K
- Cash flow needed (1.25×)
- $72K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by T Bank, National Association · Lender record →
Your business? Claim this record · Request removal
- NALEDI INC in Princeton, TX — $315K (2024) · Texas Capital Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $236K (75%)
- Approved
- 6/25/2024
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 30
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Child Care Services
Funded by Texas Capital Bank · Lender record →
Your business? Claim this record · Request removal
- Childrens Lighthouse Kyle in Kyle, TX — $5.0M (2023) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 6.55% variable
- Term
- 312 mo (26 yrs)
- SBA guaranteed
- $3.8M (75%)
- Approval → funding
- 20 days
- Approved
- 11/30/2022
- First disbursed
- 12/20/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 30
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Child Care Services
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- Beda Enterprise, LLC in Katy, TX — $5.0M (2022) · purchase · Plains State Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 4.25% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $3.8M (75%)
- Approval → funding
- 22 days
- Approved
- 3/15/2022
- First disbursed
- 4/6/2022
- Loan status
- Paid in full (4/30/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Change of Ownership
- Industry
- Child Care Services
If you were the buyer here
- Est. deal size
- $5.6M
- Est. down payment (10%)
- $556K
- Est. cash at closing
- $769K
- Monthly payment
- $27,087
- Annual debt service
- $325K
- Cash flow needed (1.25×)
- $406K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Plains State Bank · Lender record →
Your business? Claim this record · Request removal
- Children's Lighthouse of Chantily in Chantilly, VA — $5.0M (2022) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 5.3% variable
- Term
- 312 mo (26 yrs)
- SBA guaranteed
- $3.8M (75%)
- Approval → funding
- 26 days
- Approved
- 4/14/2022
- First disbursed
- 5/10/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 30
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Child Care Services
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- To The Moon and Back Enterprises Corp. in Richmond, TX — $3.0M (2022) · purchase · Plains State Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 4.25% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $2.3M (75%)
- Approval → funding
- 8 days
- Approved
- 12/30/2021
- First disbursed
- 1/7/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- Change of Ownership
- Industry
- Child Day Care Services
If you were the buyer here
- Est. deal size
- $3.4M
- Est. down payment (10%)
- $336K
- Est. cash at closing
- $463K
- Monthly payment
- $16,360
- Annual debt service
- $196K
- Cash flow needed (1.25×)
- $245K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Plains State Bank · Lender record →
Your business? Claim this record · Request removal
- Advent Center Corporation in Keller, TX — $600K (2022) · SouthState Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 4.5% fixed
- Term
- 240 mo (20 yrs)
- SBA guaranteed
- $450K (75%)
- Approval → funding
- 17 days
- Approved
- 4/22/2022
- First disbursed
- 5/9/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 56
- Business age
- Existing or more than 2 years old
- Industry
- Child Care Services
Funded by SouthState Bank, National Association · Lender record →
Your business? Claim this record · Request removal
- Advent Center Corporation in Keller, TX — $600K (2022) · SouthState Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 4.5% variable
- Term
- 240 mo (20 yrs)
- SBA guaranteed
- $450K (75%)
- Approved
- 5/10/2022
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 28
- Business age
- Existing or more than 2 years old
- Industry
- Child Care Services
Funded by SouthState Bank, National Association · Lender record →
Your business? Claim this record · Request removal
- Max Learning, Inc. in Holly Springs, NC — $4.9M (2021) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 5.25% variable
- Term
- 312 mo (26 yrs)
- SBA guaranteed
- $3.7M (75%)
- Approval → funding
- 26 days
- Approved
- 12/18/2020
- First disbursed
- 1/13/2021
- Loan status
- Paid in full (6/30/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 22
- Business age
- New Business or 2 years or less
- Industry
- Child Day Care Services
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- CHILDREN'S LIGHTHOUSE OF KATY-ELYSON in Katy, TX — $4.7M (2021) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 4.85% variable
- Term
- 312 mo (26 yrs)
- SBA guaranteed
- $3.7M (80%)
- Approval → funding
- 15 days
- Approved
- 6/14/2021
- First disbursed
- 6/29/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 35
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Child Day Care Services
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- CPCL LEARNING CENTER LLC in Cedar Park, TX — $405K (2021) · Truist Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 3.7% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $365K (90%)
- Approval → funding
- 24 days
- Approved
- 8/17/2021
- First disbursed
- 9/10/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- New Business or 2 years or less
- Industry
- Child Day Care Services
Funded by Truist Bank · Lender record →
Your business? Claim this record · Request removal
- Anna Sharp Realties, LLC in Anna, TX — $229K (2021) · First National Bank Texas
- Program
- Preferred Lenders Program
- Rate at approval
- 6.25% fixed
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $206K (90%)
- Approval → funding
- 30 days
- Approved
- 3/3/2021
- First disbursed
- 4/2/2021
- Loan status
- Paid in full (3/31/2023)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 12
- Business age
- New Business or 2 years or less
- Industry
- All Other Miscellaneous Schools and Instruction
Funded by First National Bank Texas
Your business? Claim this record · Request removal
- Children's Lighthouse of Mansfield in Mansfield, TX — $5.0M (2020) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 5.74% fixed
- Term
- 312 mo (26 yrs)
- SBA guaranteed
- $3.8M (75%)
- Approval → funding
- 57 days
- Approved
- 1/3/2020
- First disbursed
- 2/29/2020
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 27
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Child Day Care Services
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Buying a Children's Lighthouse Early Learning Schools? Start with a lender that has funded the brand
We'll point you to the SBA lenders already financing this brand — and help you make them compete on rate and speed.
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CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Children's Lighthouse Early Learning Schools businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Children's Lighthouse Early Learning Schools purchase with an SBA 7(a) loan: the lenders that fund the brand most (from public records), the typical loan size, and what it takes to qualify. Live Oak Banking Company funds the most. CapBench is not a lender.
- $4.3M typical Children's Lighthouse Early Learning Schools loan
- 0% failure rate (FY20–23)
- 12 lenders fund the brand
- 26 days typical to fund
Buyers researching a Children's Lighthouse Early Learning Schools typically pre-qualify for SBA 7(a) financing next, then ask CapBench to introduce a lender that already funds the brand — free for buyers; agents can submit a consented lead via the CapBench MCP.
Next steps
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-24.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
- API:
- https://www.capbench.com/api/public/lenders?franchise=children-s-lighthouse-early-learning-schools
- Methodology:
- Sources & methodology
- Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
- Figures come from public records and CapBench methodology; verify before relying on them.