Childcare business plans built around enrollment
Childcare centers are one of the largest SBA loan categories by dollars. Lenders underwrite enrollment: licensed capacity, how fast seats fill, tuition by age group and the staffing ratios that drive payroll.
Written by a former bank underwriter who has prepared SBA loan packages for childcare centers.
- SBA 7(a)
- SBA 504
- 36-month projections
- Written assumptions
- DSCR
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What a lender checks on a childcare & daycare loan
Your plan answers these before the credit officer has to ask.
Capacity and enrollment
Licensed capacity by age group and a realistic month-by-month enrollment ramp.
Tuition and subsidies
Tuition by age group, and the mix of private pay and subsidy enrollment.
Staffing ratios
Required ratios by classroom, which set payroll, your largest expense.
Licensing path
Where you are in licensing and the timeline to open, since lenders need to see it's achievable.
Facility
Lease terms or the building purchase, plus any renovation needed to meet licensing requirements.
Director experience
Your experience, or your center director's, running a licensed program.
Numbers your plan will show
Every figure comes with a written assumption, across 36 months of P&L, balance sheet and cash flow.
- Licensed capacity
- Enrollment by age group
- Occupancy %
- Weekly tuition
- Payroll % of revenue
- Break-even enrollment
- DSCR by year
Plans for every kind of request
Startups, acquisitions, expansions and property purchases, for SBA 7(a), SBA 504 and conventional bank loans.
- SBA 7(a) startup
- Center acquisition
- Building purchase (504)
- Second location
- Renovation
- Franchise center
Common questions
Can I apply before my center is licensed?
Yes, and many owners do. The plan lays out your licensing timeline and shows the lender how enrollment builds once you open.
How do you handle subsidy enrollment?
We show private-pay and subsidized enrollment separately, with the reimbursement rates and payment timing for each.
Do you write plans for buying an existing daycare?
Yes. Acquisition plans use current enrollment, tuition records and tax returns, plus a plan for keeping families and staff through the transition.
SBA business plans for any industry
Ready to put your loan request in front of a lender?
Name, email and phone. That's all it takes to get started.