Lender intelligence
Financing a child care services acquisition in Washington
The SBA 7(a) lenders funding the most child care services acquisitions in Washington, from public loan records. A lender doing your industry in your state every week underwrites faster and prices sharper.
Deal economics— what it takes to buy & finance child care services in Washington
$720K
Typical loan
range $540K–$1.21M
$800K
Est. purchase price
≈ loan ÷ 90%
$109,700
Cash to close
$80,000 down + fees
$9,317/mo
Typical payment
~9.5% · 10yr
$128,575/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
18 days
Typical time to fund
5
Lenders competing
more = leverage
8.3%
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 in child care services · Washington
Ranked by funded child care services acquisitions in Washington. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.1 loans · $1M · Pocahontas, ARFull record →
- 2.1,296 loans · $1.4B · Wilmington, NCFull record →
- 3.13 loans · $18M · Roseburg, ORFull record →
- 4.46 loans · $25M · Richland, WAFull record →
5+ funded Child Care Services in Washington 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.
- Bright Star Kids Spokane LLC in Everett, WA — $3.3M (2025) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.11% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $2.4M (75%)
- Approval → funding
- 39 days
- Approved
- 5/23/2025
- First disbursed
- 7/1/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 2
- Business age
- Change of Ownership
- Industry
- Child Care Services
If you were the buyer here
- Est. deal size
- $3.6M
- Est. down payment (10%)
- $361K
- Est. cash at closing
- $499K
- Monthly payment
- $39,621
- Annual debt service
- $475K
- Cash flow needed (1.25×)
- $594K
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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- Shumway LLC in Eatonville, WA — $1.2M (2025) · purchase · Columbia Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $911K (75%)
- Approval → funding
- 18 days
- Approved
- 9/29/2025
- First disbursed
- 10/17/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 10
- Business age
- Change of Ownership
- Industry
- Child Care Services
If you were the buyer here
- Est. deal size
- $1.3M
- Est. down payment (10%)
- $135K
- Est. cash at closing
- $185K
- Monthly payment
- $10,188
- Annual debt service
- $122K
- Cash flow needed (1.25×)
- $153K
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 Columbia Bank · Lender record →
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- Archangels Academy LLC in Spokane Valley, WA — $720K (2025) · purchase · RiverBank
- Program
- 7a General
- Rate at approval
- 7% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $540K (75%)
- Approval → funding
- 7 days
- Approved
- 1/24/2025
- First disbursed
- 1/31/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 26
- Business age
- Change of Ownership
- Industry
- Child Care Services
If you were the buyer here
- Est. deal size
- $800K
- Est. down payment (10%)
- $80K
- Est. cash at closing
- $110K
- Monthly payment
- $8,360
- Annual debt service
- $100K
- Cash flow needed (1.25×)
- $125K
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 RiverBank · Lender record →
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- GROWING IN GRACE CHILDCARE LLC in Marysville, WA — $162K (2025) · purchase · U.S. Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 7.91% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $122K (75%)
- Approval → funding
- 50 days
- Approved
- 3/25/2025
- First disbursed
- 5/14/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- Change of Ownership
- Industry
- Child Care Services
If you were the buyer here
- Est. deal size
- $180K
- Est. down payment (10%)
- $18K
- Est. cash at closing
- $24K
- Monthly payment
- $1,963
- Annual debt service
- $24K
- Cash flow needed (1.25×)
- $29K
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 U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal
- LIL Patriots Academy Daycare and Early Learning Center 2 LLC in Puyallup, WA — $540K (2024) · purchase · Gesa CU
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $405K (75%)
- Approval → funding
- 5 days
- Approved
- 11/10/2023
- First disbursed
- 11/15/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 5
- Business age
- Change of Ownership
- Industry
- Child Care Services
If you were the buyer here
- Est. deal size
- $600K
- Est. down payment (10%)
- $60K
- Est. cash at closing
- $80K
- Monthly payment
- $4,718
- Annual debt service
- $57K
- Cash flow needed (1.25×)
- $71K
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 Gesa CU · Lender record →
Your business? Claim this record · Request removal
Financing a child care services deal in Washington? Start with the right lender
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CapBench analysis of public SBA 7(a) lending records; ranked by funded acquisition loans to child care services businesses with a Washington project address.
Agent summary
How to finance a child care services acquisition in Washington with an SBA 7(a) loan: the lenders that fund the most of them here (from public records), with the real funded Washington deals. RiverBank funds the most here. CapBench is not a lender.
- $898K typical loan
- 5 lenders active in Washington
- 5+ funded Washington deals
- 18 days typical to fund
Buyers buying a child care services in Washington typically pre-qualify, then ask CapBench to introduce a lender active here — free for buyers; agents submit a consented lead via the CapBench MCP.
- 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.
- 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.