$10,000 - $500,000 · Approved in 24-48 hours · Licensing costs, expansion, playground & classroom equipment · Daycares, preschools & after-school programs
Running a childcare center in Houston means managing compliance, enrollment swings, and facility costs, often all at once, and always before you can collect enough tuition to cover it.
Texas childcare licensing, background checks, facility upgrades, fire suppression, and safety certifications add up fast, often before you can enroll a single child. Compliance isn't optional and the costs don't wait for cash flow to catch up.
Summer enrollment drops, holiday closures, and month-to-month contracts create predictable cash gaps while fixed costs, staff, rent, utilities, stay constant. A working capital line bridges those gaps without disrupting operations.
Adding a new classroom, building out playground equipment, or opening a second location requires capital months before the new revenue arrives. Waiting on a bank means missing the window to grow.
From licensing emergencies to second-location expansions, we have a product built for every childcare funding need.
Bridge enrollment gaps, cover payroll during slow months, and handle licensing renewals. Fast approval based on monthly deposits, not just credit score.
Playground equipment, classroom furniture, HVAC upgrades, security systems, finance the equipment itself as collateral for better rates without tying up working capital.
Fast cash based on bank deposits for time-sensitive needs. Ideal for licensing emergencies, surprise compliance costs, or urgent facility repairs that can't wait.
Draw when needed for licensing renewals, repairs, or unexpected expenses. Repay it and the line resets, the smart alternative to carrying constant debt through slow seasons.
Planned expansion, new classroom buildout, or opening a second location. Predictable monthly payments for capital you can plan around while the new enrollment ramps up.
Best rates for facility purchases or major expansion. Ideal for childcare operators buying their building, acquiring an existing center, or financing a major multi-site growth plan.
Licensing deadlines, classroom expansions, and new locations. Here’s what funding looked like for real childcare operators.
Katy daycare center faced a summer enrollment drop the same month a State licensing inspection required facility upgrades, new fire suppression equipment and updated sleep room partitions. Bank wanted two years of tax returns and property collateral. We funded in 31 hours using monthly deposit history.
Pearland preschool was adding two new classrooms to meet growing enrollment demand. They needed tables, chairs, learning materials, outdoor play structures, and classroom dividers before the new students could start. Equipment financing secured all of it with the equipment as collateral, funded in 4 days.
Sugar Land childcare center was opening a second location in a new subdivision. Build-out costs, initial licensing fees, furniture, and first two months of operating expenses before full enrollment. A term loan gave them predictable payments to plan around while the new location ramped up. Funded in 5 days.
Banks apply outdated criteria to childcare businesses. Here’s what keeps getting owners rejected, and how we look at it differently.
Banks see small ticket sizes and assume the business can’t service debt. They apply sector averages rather than looking at your actual enrollment contracts and deposit history.
Consistent enrollment revenue and high contract stability. A fully enrolled center with 40 families paying monthly tuition is a strong, predictable cash flow business.
Most daycares lease their facility. Without owned real estate to secure against, traditional bank loans are nearly impossible to qualify for, regardless of how healthy the business is.
Equipment and revenue-based products don’t require real estate. Your bank deposits and equipment assets are sufficient collateral for most childcare funding needs.
Enrollment drops in summer and during holidays create dips in monthly revenue that trigger automatic rejections in bank underwriting models, even when the annual picture is strong.
Annual average revenue, not peak months. We normalize for predictable seasonal patterns so a strong childcare operator isn’t penalized for summer slowdowns.
Four basic requirements. If you meet them, we can find you options today.
Minimum operating history for most products
Shown through business bank deposits
Revenue matters more than credit for most products
3 months of statements for underwriting
No hard credit pull. A funding specialist follows up within 2 business hours.
A Lone Star Capital Group specialist will contact you within 2 business hours to walk through your childcare funding options.
We fund childcare centers, daycares, and preschools in every Houston suburb and surrounding city.
Childcare & daycare funding in Katy TX
Sugar LandCapital for Sugar Land childcare centers
CypressFast funding for Cypress daycare owners
The WoodlandsChildcare capital for The Woodlands growth
PearlandFunding for Pearland daycares & preschools
League CityLeague City childcare & daycare loans
HumbleHumble TX childcare working capital
PasadenaPasadena childcare funding solutions
Houston's best childcare centers don't let cash flow slow them down. Neither should you.
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