SBA Loans for Day Care, Childcare Centers, Preschools and Schools

SBA 504 & 7a Daycare, Child Care, Preschool, Private School & Montessori School Financing

SBA 504 & 7a Loans are an excellent loan for the construction, expansion, purchase or refinance of a:

Day care center
Child care center
Pre-school
Private school or a
Montessori school

SBA Financing is ideal for financing Goddard Schools, Primrose, Kindercare, Kids R Kids and other day care businesses.

Benefits for Schools, DayCare & Childcare Centers

1. SBA 504 & 7a loans are some of the few types of commercial loans available given the current state banking and commercial lending.

2. The loans enable you to borrow up to 90% of the project costs for your school or day care/child care facility and allow you to put down 10% (or have 10% equity) and finance most of the rest of the costs - including closing costs and "soft" costs like appraisals, engineering fees, surveys, etc.

3. If you create a Green School or build some energy efficiency into your facility you can qualify for more money with an SBA-backed loan. For instance, if you already own a few day care centers or pre-schools and you are out of SBA eligibility you can borrow more if you "go green," since the SBA now has an initiative for green building financing.

By becoming an environmentally friendly institution you would also:

secure excellent long term financing
cut your energy costs significantly
realize some excellent tax benefits
save money that can be reinvested in the school
create a healthier environment for your students and teachers
create a built-in "lab" for teaching your students about alternative energy sources...
and as a " green school" you might also be able to get some good PR out of it.

4. SBA 504 financing is amortized long term commercial financing with no re-qualifying later. In other words, there are no balloons or "calls" and no need to refinance later.

5. The SBA guaranteed second mortgage is a 20 year fixed at a below market rate.

The SBA 7a Loan is also an excellent choice for financing day care centers and is available up to $5 million.

Click here: SBA 7a for more information.

Financing for Non-Profit, Tax Exempt and 501(c)(3) Schools

We can also assist you with financing for Non-Profit, Tax Exempt or "501c3" organizations. Please contact us for more information. (Minimum real estate loan for 501 (c) (3) is $1 million).

Green School Information

Click here for a comprehensive report about Green Schools from the US Green Building Council. It provides great detail about all of the benefits of green school construction.

More SBA 504 Loan info: SBA 504

Please contact us at 1-800-414-5285 to find out how our expertise with the SBA 504 can help your business.