Funding for day care and child care centers
Zippi funds licensed child care centers, home-based day cares and nonprofit centers directly. Funding up to $500,000. No hard credit check.
*Average completion time 3 minutes.
Why Child Care Owners Choose Zippi for Funding
We believe in people, not algorithms.
Apply in Minutes, Funded in Hours.
Complete our short online application and receive funds in hours.
Flexible, Competitive Financing.
We offer rates tailored to your business needs, ensuring you get the best deal.
Simple and Transparent.
We provide funding with clear and easy to understand terms - no surprises.
How Day Care Funding Works
You get the funding up front. Repayment is a fixed daily or weekly amount, or a share of your daily or weekly sales, taken automatically from your business bank account. In Nevada, Texas, Utah, South Dakota and Delaware, Zippi offers a business loan.
Start by applying
Any green button will do
Provide some basic details
Takes 3 minutes!
Share account details
(3-4 months bank statements)
Who Can Apply for Day Care Funding?
Zippi funds child care businesses open at least 12 months. We work with:
Licensed child care centers.
Home-based day cares.
Nonprofit centers.
Owners or decision-makers applying.
Your staff and families count on you every day. Our process keeps up: no drawn-out forms, no hard credit check, and funding in hours.
Apply in minutes*
Common Uses for Day Care Funding
Staff is most of the budget. In one NAEYC example, wages and benefits were 62-66% of a center's expenses, and for many programs it runs as high as 90%. Staff-to-child ratios mean you can't cut hours when payments run late. And they do: in 2024 and 2025, providers in Missouri and Maine waited months for state subsidy payments, and one Missouri center was owed about $80,000. (NAEYC; Springfield Daily Citizen; Central Maine)
Cover payroll while subsidy and tuition payments come in.
Add a classroom or infant room.
Upgrade the playground, kitchen and safety features.
Hire and train staff to meet ratios.
Move to a bigger building.
Handle cash gaps from late subsidy payments.
Minimum Requirements.
To boost your chances of getting approved, make sure you meet these basic criteria to prequalify for day care funding with Zippi.
$20,000+ in Monthly Sales.
Your center must bring in at least $20,000 in gross sales every month. State child care subsidy payments count toward it.
Business Owner.
You’re the owner or the person authorized to make financial decisions for the business — including applying for funding on its behalf.
Over 12 Months in Business.
Your center needs to have been open at least 12 months.
Have a Business Bank Account.
You must have a business bank account where you deposit sales. A personal bank account does not qualify.
Trusted by local businesses across industries.
We’ve partnered with businesses like yours— veterinary clinics, local bakeries, gadget shops, restaurants, and more—to help them reach their next milestone.
Restaurants
Construction
Gas Stations
Transportation
Grocery Stores
Veterinary Clinics
Agriculture
And more...
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Day Care Funding FAQs
1. How fast is funding?
You can get funded in hours after you complete our 3-minute application and share your bank statements.
2. Will applying affect my credit score?
No. Applying with Zippi involves no hard credit check, so your credit score won't be impacted.
3. How much funding can I qualify for?
Child care centers can get up to $500,000, depending on your sales.
4. What do I need to apply?
All you need is a few basic business details and your last 3–4 months of bank statements. That’s it—no paperwork overload.
5. What can I use the funding for?
You can use your funding for anything your center needs, including:
- Covering cash flow gaps
- Buying classroom and playground equipment
- Making payroll
- Opening a new location
- Renovating your space
- Stocking up on supplies
6. What makes Zippi different from a traditional bank loan?
Unlike banks, Zippi's process is fast, flexible, and human. No rigid algorithms. No unnecessary delays. Just real people who understand how child care businesses get paid.
7. Do you fund nonprofit and home-based day cares?
Yes. Nonprofit and home-based centers qualify on the same terms.
Let’s Grow Your Business Together.
We provide fast, flexible funding to help you reach your next milestone. Apply today and move one step closer to your goals.
