Best Daycare & Childcare Centers SBA Lenders of 2026

Compare the top 231 SBA lenders for Daycare & Childcare Centers businesses. $773.4M funded in 2025. Average rate 9.65%. Get matched free.

Table of Contents

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:

RankLenderVolumeLoansAvg Rate
1 Live Oak Banking Company$115.9M538.17%
2 The Huntington National Bank$29.1M609.31%
3 First Bank of the Lake$28.6M1910.33%
4 Newtek Bank, National Association$27.7M5611.01%
5 Wells Fargo Bank National Association$26.1M228.60%
6 Readycap Lending, LLC$23.7M3511.51%
7 Bank of America, National Association$21.4M256.93%
8 The Bancorp Bank National Association$18.5M98.89%
9 First National Bank of Pennsylvania$16.8M178.41%
10 Byline Bank$16.2M1610.22%
11 U.S. Bank, National Association$15.5M248.63%
12 Harvest Small Business Finance, LLC$15.1M1510.05%
13 Northeast Bank$14.1M7110.87%
14 Celtic Bank Corporation$13.4M2610.39%
15 Bankwell Bank$13.1M79.54%
16 Plumas Bank$12.9M107.78%
17 First Internet Bank of Indiana$10.4M610.08%
18 Mission Valley Bank$9.9M39.00%
19 TD Bank, National Association$9.6M379.86%
20 Port 51 Lending LLC$9.5M59.55%
21 Fifth Third Bank$8.9M69.20%
22 Plains State Bank$8.7M26.25%
23 First Utah Bank$8.6M49.75%
24 Regions Bank$7.7M107.38%
25 Truist Bank$7.4M37.23%
26 United Community Bank$7.4M68.25%
27 Dogwood State Bank$7.0M79.79%
28 Wilmington Savings Fund Society FSB$6.0M89.78%
29 Capital One, National Association$6.0M25.79%
30 Firstrust Savings Bank$5.9M29.88%
31 Fremont Bank$5.8M59.30%
32 Commercial Bank of California$5.5M39.08%
33 BayFirst National Bank$5.4M1911.41%
34 Old National Bank$5.3M37.90%
35 Brookline Bank, a Division of Beacon Bank and Trust$5.3M59.85%
36 Lendistry SBLC, LLC$5.3M1712.22%
37 Great Plains National Bank$5.3M48.50%
38 Shinhan Bank America$4.9M28.38%
39 First Business Bank$4.9M19.00%
40 VelocitySBA, LLC$4.9M510.35%
41 First-Citizens Bank & Trust Company$4.3M49.88%
42 Bank Five Nine$4.2M89.13%
43 Texas Capital Bank$4.2M26.50%
44 Cadence Bank$4.1M710.07%
45 Provident Bank$4.1M59.05%
46 Evolve Bank and Trust$4.0M310.00%
47 Milestone Bank$3.8M29.88%
48 Enterprise Bank & Trust$3.6M27.00%
49 Community Bank & Trust-West Georgia$3.6M210.25%
50 First Interstate Bank$3.5M18.50%

🚀 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:

RankLenderStartup VolumeLoansAvg Rate
1 Live Oak Banking Company$78.8M297.80%
2 Wells Fargo Bank National Association$22.6M208.77%
3 First Bank of the Lake$19.5M129.67%
4 The Huntington National Bank$17.1M349.31%
5 The Bancorp Bank National Association$15.2M68.88%
6 Byline Bank$14.6M1310.10%
7 Bank of America, National Association$14.0M176.79%
8 First National Bank of Pennsylvania$11.2M128.40%
9 Fifth Third Bank$8.6M37.60%
10 United Community Bank$7.4M68.25%

🔄 Best Lenders for Daycare & Childcare Centers Acquisitions

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

RankLenderAcquisition VolumeLoansAvg Rate
1 Live Oak Banking Company$30.8M168.26%
2 Plumas Bank$9.7M57.80%
3 Plains State Bank$8.7M26.25%
4 First Utah Bank$8.4M29.00%
5 Readycap Lending, LLC$6.9M49.75%
6 The Huntington National Bank$5.6M69.35%
7 First Internet Bank of Indiana$5.4M510.05%
8 Brookline Bank, a Division of Beacon Bank and Trust$5.0M49.81%
9 Bankwell Bank$4.6M29.25%
10 BayFirst National Bank$4.2M79.96%

🏢 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:

RankLenderVolumeLoansAvg Rate
1 Newtek Bank, National Association$24.6M5011.09%
2 Harvest Small Business Finance, LLC$13.3M1310.00%
3 U.S. Bank, National Association$12.8M178.44%
4 Readycap Lending, LLC$12.2M2711.97%
5 Northeast Bank$10.7M6110.86%
6 Celtic Bank Corporation$9.7M2010.53%
7 Bank of America, National Association$7.4M87.25%
8 The Huntington National Bank$6.4M209.30%
9 Live Oak Banking Company$6.3M89.36%
10 Firstrust Savings Bank$5.9M29.88%

Top States for Daycare & Childcare Centers SBA Loans

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

RankStateVolumeLoans
1 Texas$103.2M103
2 California$82.4M102
3 Florida$73.8M84
4 Georgia$52.2M46
5 New York$42.1M67
6 Washington$39.3M24
7 Pennsylvania$37.1M50
8 Colorado$27.4M13
9 North Carolina$27.0M31
10 Ohio$26.9M45
11 Minnesota$26.2M25
12 Illinois$24.9M45
13 New Jersey$23.5M39
14 Virginia$19.2M23
15 Maryland$17.5M25
16 Arizona$14.7M14
17 Utah$13.3M15
18 Missouri$10.9M16
19 Massachusetts$10.8M34
20 Wisconsin$9.3M24
21 Indiana$9.2M13
22 Michigan$7.9M16
23 Kentucky$7.2M10
24 Connecticut$6.9M14
25 Oregon$6.9M9
26 Nevada$6.2M6
27 Oklahoma$5.7M11
28 Louisiana$5.4M10
29 Idaho$4.9M9
30 Arkansas$4.9M10
31 South Carolina$3.9M8
32 Tennessee$3.3M10
33 Kansas$2.9M7
34 New Hampshire$2.5M7
35 Delaware$2.0M2
36 Nebraska$2.0M4
37 Rhode Island$1.9M6
38 Maine$1.6M4
39 Alabama$1.0M5
40 West Virginia$990K7
41 Puerto Rico$829K3
42 New Mexico$800K2
43 Montana$790K1
44 Iowa$688K1
45 Mississippi$364K2
46 District of Columbia$343K3
47 South Dakota$330K1
48 North Dakota$210K3
49 Vermont$125K2

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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Ishan Jetley

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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