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Education & Childcare · lender intelligence

Financing a child day care services acquisition

The SBA 7(a) lenders funding the most child day care services acquisitions, ranked from public loan records — typical deal about $1.1M. A lender doing your industry every week underwrites faster and prices sharper.

Deal economics— what it takes to buy & finance child day care services

$703K

Typical loan

range $333K–$1.44M

$781K

Est. purchase price

≈ loan ÷ 90%

$107,110

Cash to close

$78,111 down + fees

$9,097/mo

Typical payment

~9.5% · 10yr

$125,539/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

100.0%

Still performing

0% default · FY20–23

22 days

Typical time to fund

109

Lenders competing

more = leverage

5.58%

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 day care services

Ranked by funded child day care services acquisitions. Tap a lender to open its full record, or hit Get in touch for an introduction.

  1. 1.1,296 loans · $1.4B · Wilmington, NCFull record →
  2. 2.868 loans · $362M · Salt Lake City, UTFull record →
  3. 3.78 loans · $79M · New Orleans, LAFull record →
  4. 4.31 loans · $24M · Malvern, PAFull record →
  5. 5.16 loans · $21M · Las Vegas, NVFull record →
  6. 6.2,539 loans · $965M · Columbus, OHFull record →
  7. 7.60 loans · $40M · Clayton, MOFull record →
  8. 8.24 loans · $22M · College Station, TXFull record →
  9. 9.19 loans · $5M · Bessemer, ALFull record →
  10. 10.1,927 loans · $207M · Buffalo, NYFull record →
  11. 11.149 loans · $135M · Mukwonago, WIFull record →
  12. 12.16 loans · $18M · Chicago, ILFull record →
  13. 13.30 loans · $24M · Kansas City, MOFull record →
  14. 14.66 loans · $68M · Milford, IAFull record →
  15. 15.28 loans · $42M · Lehi, UTFull record →
  16. 16.5 loans · $16M · Humble, TXFull record →
  17. 17.47 loans · $39M · Greenville, PAFull record →
  18. 18.15 loans · $13M · Flowood, MSFull record →
  19. 19.128 loans · $40M · Wilmington, DEFull record →
  20. 20.52 loans · $50M · Rockville, MDFull record →
  21. 21.40 loans · $42M · Irvine, CAFull record →
  22. 22.1 loans · $1M · Lincoln, NEFull record →
  23. 23.13 loans · $18M · Roseburg, ORFull record →
  24. 24.105 loans · $164M · Brookline, MAFull record →
  25. 25.7 loans · $3M · Walnut Creek, CAFull record →

214+ funded child day care services 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.

  • KART Operating LLC in Arlington, TX$5.0M (2022) · purchase · Live Oak Banking Company
  • JESKA Property, LLC in Spring, TX$5.0M (2022) · purchase · Plains State Bank
  • ABC's & 123's, Incorporated in Indianapolis, IN$4.4M (2022) · purchase · Old National Bank
  • To The Moon and Back Enterprises Corp. in Richmond, TX$3.0M (2022) · purchase · Plains State Bank
  • Alphabetzee Inc. in Cary, NC$2.7M (2022) · purchase · Wilmington Savings Fund Society FSB
  • Big Pine Tree Inc in Sanford, FL$1.8M (2022) · purchase · American Momentum Bank
  • K2 Learning, Inc. in Denver, CO$1.4M (2022) · purchase · Meadows Bank
  • 152 Red Bank Goose Creek, LLC in Goose Creek, SC$1000K (2022) · purchase · Business Development Corporation of South Carolina
  • EARLY CHILDCARE LLC in Green Bay, WI$870K (2022) · purchase · LendingClub Bank, National Association
  • Triton Management LLC in Highland, IL$725K (2022) · purchase · Southern Bank
  • Caring Center-Kids Safari LTD in Cottage Grove, WI$700K (2022) · purchase · Summit CU
  • HAYY INC in Pasadena, MD$536K (2022) · purchase · First National Bank of Pennsylvania
  • Natural Learners Community, LLC in Appleton, WI$333K (2022) · purchase · Fortifi Bank
  • Kiddy Kare Learning Center, Inc. in Cincinnati, OH$231K (2022) · purchase · First Financial Bank
  • MAKOM CORPORATION in Spokane, WA$114K (2022) · purchase · Numerica CU
  • Kiddy Kare Learning Center, Inc. in Cincinnati, OH$25K (2022) · purchase · First Financial Bank
  • Investing in Learning, LLC in Collierville, TN$5.0M (2021) · purchase · Customers Bank
  • DCN Properties, LLC in Holly Springs, NC$5.0M (2021) · purchase · Customers Bank
  • Discovery One Holdings LLC in Smyrna, GA$5.0M (2021) · purchase · Customers Bank
  • PRIMROSE SCHOOL OF SHADY HOLLOW in Austin, TX$4.7M (2021) · purchase · Meadows Bank

Financing a child day care services deal? Start with a lender that knows it

We'll point you to the SBA lenders already funding deals in your industry — and help you make them compete on rate and speed.

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Backed by data on 1,000+ SBA lenders and 300,000+ funded deals. Your details go only to lending partners you ask to be matched with — never sold to advertisers.

CapBench analysis of public SBA 7(a) lending records; ranked by funded acquisition loans to child day care services businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a child day care services acquisition with an SBA 7(a) loan: the lenders that fund the most of them (from public records), typical cost, and what it takes to qualify. Live Oak Banking Company funds the most. CapBench is not a lender.

  • $1.1M typical loan
  • 109 lenders fund the industry
  • 0% default (FY20–23)
  • 22 days typical to fund

Buyers researching a child day care services deal typically pre-qualify, then ask CapBench to introduce a lender that funds the industry — 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.
  • 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.
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