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Commercial Real Estate Financing for Day Care Centers 


With dual income households increasingly prevalent in today's economy, parents need to place their children in the care of someone they trust. Often, that means sending their children to a local day care center. However, day care centers don't just provide an essential service to parents and their children; they're also a growing part of the American economy. Last year, the day care industry took in an estimated $48 billion in revenue and employed approximately 1.6 million people across the U.S. So, if you need financing for your day care center, Commercial Real Estate Loans. is ready and waiting to help. We provide day care center financing for: 

  • Franchised child day care centers

  • Non-franchised child day care centers

  • Adult day care centers

  • Pet day care centers

Day Care Center Loan Terms

In general, our day care center loan terms include: 

  • Loan Size: $500,000+

  • Loan Purpose: Loan can be used for property acquisition or refinancing, but cannot be used for business only-financing

  • Loan Term: 3, 5, 7 and 10-year fixed-rate terms

  • Amortization: 15, 20, 25 and 30-year options

  • Leverage: 65%- 75% LTV allowance

  • DSCR: 1.40 minimum DSCR

  • Credit Score Requirement: 660 minimum

SBA Loans for Day Care Centers

For many day care center owners and operators, the SBA 7a or SBA 504 loan programs may be the most effective way for them to acquire commercial property. Unlike privately-insured loans, SBA loans allow day care center owners to buy equipment and fund working capital. That makes these loans a lot more versatile for business owners who need more than just property to jumpstart their business growth. While SBA financing has a lot of benefits, it also has stricter requirements than many other loans, including increased credit score requirements. 

Get a Free Day Care Center Property Loan Quote Today

For day care center loans from just $500,000 and up, click the button below and fill out a short, secure form for a fast, easy, and free commercial loan quote from a commercial mortgage banker. You may also email us any time at