If you're opening, expanding, or refinancing a daycare or early childhood education center, Commercial Loans Florida, Inc. offers financing built specifically for your business needs. We work with childcare professionals across Florida to provide access to fast, affordable, and customized loan solutions.
Who We Help
We provide funding for:
- Licensed daycares
- Montessori schools
- Preschools and pre-K centers
- Early learning academies
- After-school programs
- Faith-based childcare centers
- Franchise and independent operators
Whether you’re acquiring a new building, upgrading your classrooms, or simply need working capital, we can help you find the right loan solution.
Loan Options for Childcare Centers
We understand the regulatory and licensing requirements that come with operating a childcare facility in Florida. Our loans are structured with your industry’s specific needs in mind.
Popular loan programs include:
- SBA 7(a) and 504 Loans– Use funds to buy property, refinance debt, or renovate your center
- Bridge Loans– Fast interim financing to cover real estate or urgent expenses
- Working Capital Loans– For staffing, supplies, marketing, or expansion
- Start-Up Loans– Get your daycare business launched with the right financial support
- Real Estate Loans– Acquire or refinance your childcare facility
Loan Features
- Loan amounts from $100,000 to $10,000,000+
- Up to 90% financing available
- Terms up to 25 years with interest-only options
- Competitive rates with fixed or adjustable options
- Approvals as fast as 48–72 hours
Why Florida Childcare Owners Choose Us
At Commercial Loans Florida, we take time to understand your program's mission and your business model. Whether you're operating from a commercial building, a converted residential space, or a newly built center, we provide flexible financing solutions that align with your growth goals.
What sets us apart:
- Extensive experience with licensed childcare businesses
- Access to SBA lenders and private capital sources
- Hands-on support through every step of the loan process
- Help with budgeting, projections, and licensing compliance
Real Success Stories
We recently helped a preschool in Tampa refinance their building and expand classroom space with a $750,000 SBA 504 loan. A new Montessori center in Orlando received startup capital and a working capital line to open their doors and build enrollment.
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Frequently Asked Questions
What types of childcare businesses can apply for loans?
We provide funding for licensed daycares, Montessori schools, preschools and pre-K centers, early learning academies, after-school programs, faith-based childcare centers, and both franchise and independent operators.
What loan options are available for childcare centers?
Popular loan programs include SBA 7(a) and 504 Loans, Bridge Loans, Working Capital Loans, Start-Up Loans, and Real Estate Loans tailored to the needs of childcare facilities.
How quickly can I expect loan approval?
Approvals can be as fast as 48–72 hours for qualified applicants.
What is the range of loan amounts offered?
Loan amounts range from $100,000 to over $10,000,000.
What support does Commercial Loans Florida offer during the loan process?
We provide hands-on support through every step of the loan process, including help with budgeting, projections, and licensing compliance.
How can I start my application for a childcare business loan?
You can start your application by calling us at (727) 642-1166 or emailing dcaceres@commercial-loans-florida.com to schedule a free loan consultation.