BlogRankingIndustryBest Daycare & Childcare Centers SBA Lenders of 2026

Best Daycare & Childcare Centers SBA Lenders of 2026

February 2, 2026
Industry, Ranking
5 min read

Best Daycare & Childcare Centers SBA Lenders of 2026

$773.4M
Total Funded

1,011
Loans Approved

$765K
Avg Loan Size

9.65%
Avg Interest Rate

231
Active Lenders

SBA Loans for Daycare & Childcare Centers Businesses

The Daycare & Childcare Centers industry received $773.4M in SBA 7(a) loans across 1,011 businesses in 2025. With 231 lenders actively funding this industry, finding the right bank can make a significant difference in your rates and approval odds.

Working with an experienced SBA loan broker who understands the Daycare & Childcare Centers industry can help you access lenders that specialize in your business type.

💡 Key Insight: The average SBA loan for Daycare & Childcare Centers businesses is $765K with an average rate of 9.65%. Lenders who specialize in this industry often offer better terms and faster approvals.

SBA Loans by Business Type

Here’s how SBA 7(a) loans break down for Daycare & Childcare Centers businesses by business stage:

🚀 Startups
38%
$367.6M • 386 loans

🏢 Existing Businesses
49%
$258.5M • 496 loans

🔄 Business Acquisitions
13%
$147.4M • 129 loans

Top 50 SBA Lenders for Daycare & Childcare Centers (2025)

These are the banks that funded the most SBA 7(a) loan volume to Daycare & Childcare Centers businesses, ranked by total volume:

Rank Lender Volume Loans Avg Rate
1 Live Oak Banking Company $115.9M 53 8.17%
2 The Huntington National Bank $29.1M 60 9.31%
3 First Bank of the Lake $28.6M 19 10.33%
4 Newtek Bank, National Association $27.7M 56 11.01%
5 Wells Fargo Bank National Association $26.1M 22 8.60%
6 Readycap Lending, LLC $23.7M 35 11.51%
7 Bank of America, National Association $21.4M 25 6.93%
8 The Bancorp Bank National Association $18.5M 9 8.89%
9 First National Bank of Pennsylvania $16.8M 17 8.41%
10 Byline Bank $16.2M 16 10.22%
11 U.S. Bank, National Association $15.5M 24 8.63%
12 Harvest Small Business Finance, LLC $15.1M 15 10.05%
13 Northeast Bank $14.1M 71 10.87%
14 Celtic Bank Corporation $13.4M 26 10.39%
15 Bankwell Bank $13.1M 7 9.54%
16 Plumas Bank $12.9M 10 7.78%
17 First Internet Bank of Indiana $10.4M 6 10.08%
18 Mission Valley Bank $9.9M 3 9.00%
19 TD Bank, National Association $9.6M 37 9.86%
20 Port 51 Lending LLC $9.5M 5 9.55%
21 Fifth Third Bank $8.9M 6 9.20%
22 Plains State Bank $8.7M 2 6.25%
23 First Utah Bank $8.6M 4 9.75%
24 Regions Bank $7.7M 10 7.38%
25 Truist Bank $7.4M 3 7.23%
26 United Community Bank $7.4M 6 8.25%
27 Dogwood State Bank $7.0M 7 9.79%
28 Wilmington Savings Fund Society FSB $6.0M 8 9.78%
29 Capital One, National Association $6.0M 2 5.79%
30 Firstrust Savings Bank $5.9M 2 9.88%
31 Fremont Bank $5.8M 5 9.30%
32 Commercial Bank of California $5.5M 3 9.08%
33 BayFirst National Bank $5.4M 19 11.41%
34 Old National Bank $5.3M 3 7.90%
35 Brookline Bank, a Division of Beacon Bank and Trust $5.3M 5 9.85%
36 Lendistry SBLC, LLC $5.3M 17 12.22%
37 Great Plains National Bank $5.3M 4 8.50%
38 Shinhan Bank America $4.9M 2 8.38%
39 First Business Bank $4.9M 1 9.00%
40 VelocitySBA, LLC $4.9M 5 10.35%
41 First-Citizens Bank & Trust Company $4.3M 4 9.88%
42 Bank Five Nine $4.2M 8 9.13%
43 Texas Capital Bank $4.2M 2 6.50%
44 Cadence Bank $4.1M 7 10.07%
45 Provident Bank $4.1M 5 9.05%
46 Evolve Bank and Trust $4.0M 3 10.00%
47 Milestone Bank $3.8M 2 9.88%
48 Enterprise Bank & Trust $3.6M 2 7.00%
49 Community Bank & Trust-West Georgia $3.6M 2 10.25%
50 First Interstate Bank $3.5M 1 8.50%

🚀 Best Lenders for Daycare & Childcare Centers Startups

Starting a new child day care services business? These lenders funded the most startup loans in this industry:

Rank Lender Startup Volume Loans Avg Rate
1 Live Oak Banking Company $78.8M 29 7.80%
2 Wells Fargo Bank National Association $22.6M 20 8.77%
3 First Bank of the Lake $19.5M 12 9.67%
4 The Huntington National Bank $17.1M 34 9.31%
5 The Bancorp Bank National Association $15.2M 6 8.88%
6 Byline Bank $14.6M 13 10.10%
7 Bank of America, National Association $14.0M 17 6.79%
8 First National Bank of Pennsylvania $11.2M 12 8.40%
9 Fifth Third Bank $8.6M 3 7.60%
10 United Community Bank $7.4M 6 8.25%

🔄 Best Lenders for Daycare & Childcare Centers Acquisitions

Looking to buy an existing child day care services business? These lenders specialize in acquisition financing:

Rank Lender Acquisition Volume Loans Avg Rate
1 Live Oak Banking Company $30.8M 16 8.26%
2 Plumas Bank $9.7M 5 7.80%
3 Plains State Bank $8.7M 2 6.25%
4 First Utah Bank $8.4M 2 9.00%
5 Readycap Lending, LLC $6.9M 4 9.75%
6 The Huntington National Bank $5.6M 6 9.35%
7 First Internet Bank of Indiana $5.4M 5 10.05%
8 Brookline Bank, a Division of Beacon Bank and Trust $5.0M 4 9.81%
9 Bankwell Bank $4.6M 2 9.25%
10 BayFirst National Bank $4.2M 7 9.96%

🏢 Best Lenders for Existing Daycare & Childcare Centers Businesses

Already running an established child day care services business? These lenders have funded the most loans to existing businesses in your industry:

Rank Lender Volume Loans Avg Rate
1 Newtek Bank, National Association $24.6M 50 11.09%
2 Harvest Small Business Finance, LLC $13.3M 13 10.00%
3 U.S. Bank, National Association $12.8M 17 8.44%
4 Readycap Lending, LLC $12.2M 27 11.97%
5 Northeast Bank $10.7M 61 10.86%
6 Celtic Bank Corporation $9.7M 20 10.53%
7 Bank of America, National Association $7.4M 8 7.25%
8 The Huntington National Bank $6.4M 20 9.30%
9 Live Oak Banking Company $6.3M 8 9.36%
10 Firstrust Savings Bank $5.9M 2 9.88%

Top States for Daycare & Childcare Centers SBA Loans

Here are the states with the highest SBA lending volume for Daycare & Childcare Centers businesses:

Rank State Volume Loans
1 Texas $103.2M 103
2 California $82.4M 102
3 Florida $73.8M 84
4 Georgia $52.2M 46
5 New York $42.1M 67
6 Washington $39.3M 24
7 Pennsylvania $37.1M 50
8 Colorado $27.4M 13
9 North Carolina $27.0M 31
10 Ohio $26.9M 45
11 Minnesota $26.2M 25
12 Illinois $24.9M 45
13 New Jersey $23.5M 39
14 Virginia $19.2M 23
15 Maryland $17.5M 25
16 Arizona $14.7M 14
17 Utah $13.3M 15
18 Missouri $10.9M 16
19 Massachusetts $10.8M 34
20 Wisconsin $9.3M 24
21 Indiana $9.2M 13
22 Michigan $7.9M 16
23 Kentucky $7.2M 10
24 Connecticut $6.9M 14
25 Oregon $6.9M 9
26 Nevada $6.2M 6
27 Oklahoma $5.7M 11
28 Louisiana $5.4M 10
29 Idaho $4.9M 9
30 Arkansas $4.9M 10
31 South Carolina $3.9M 8
32 Tennessee $3.3M 10
33 Kansas $2.9M 7
34 New Hampshire $2.5M 7
35 Delaware $2.0M 2
36 Nebraska $2.0M 4
37 Rhode Island $1.9M 6
38 Maine $1.6M 4
39 Alabama $1.0M 5
40 West Virginia $990K 7
41 Puerto Rico $829K 3
42 New Mexico $800K 2
43 Montana $790K 1
44 Iowa $688K 1
45 Mississippi $364K 2
46 District of Columbia $343K 3
47 South Dakota $330K 1
48 North Dakota $210K 3
49 Vermont $125K 2

Top Cities for Daycare & Childcare Centers SBA Loans

Chicago, Il

$12.8M
Volume

20
Loans

Brooklyn, Ny

$11.7M
Volume

14
Loans

Tampa, Fl

$10.1M
Volume

7
Loans

South Jordan, Ut

$8.5M
Volume

3
Loans

Thornton, Co

$8.4M
Volume

2
Loans

Minneapolis, Mn

$8.2M
Volume

7
Loans

Orangevale, Ca

$7.6M
Volume

2
Loans

Colorado Springs, Co

$7.6M
Volume

2
Loans

Philadelphia, Pa

$7.5M
Volume

7
Loans

West Palm Beach, Fl

$6.8M
Volume

3
Loans

Burleson, Tx

$6.3M
Volume

3
Loans

Charlotte, Nc

$5.9M
Volume

7
Loans

Lewisville, Tx

$5.9M
Volume

4
Loans

Virginia Beach, Va

$5.9M
Volume

2
Loans

Glen Mills, Pa

$5.5M
Volume

4
Loans

Bakersfield, Ca

$5.5M
Volume

3
Loans

🤝 Why Use an SBA Broker for Daycare & Childcare Centers Loans?

GoSBA Loans has extensive experience financing Daycare & Childcare Centers businesses:

  • Industry expertise — we know which lenders specialize in Daycare & Childcare Centers
  • Access to 231+ lenders — including banks that don’t accept direct applications
  • Better rates — our relationships help secure competitive terms
  • Faster approvals — proper preparation leads to quicker decisions
  • Free service — lenders pay us, you pay nothing extra

📞 Get Expert Help with Your Daycare & Childcare Centers SBA Loan

Our team specializes in SBA financing for Daycare & Childcare Centers businesses. Let us match you with the right lender for your specific needs.

Need SBA financing for your Daycare & Childcare Centers business? GoSBA Loans specializes in SBA loans for Daycare & Childcare Centers businesses. Contact our industry specialists today for a free consultation.

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http://gosbaloans.com

Ishan Jetley is the owner of GoSBA Loans. I have assisted 100's of businesses with their business loans. I specialize in SBA financing for working capital, real estate and business acquisitions.

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