Daycare & Childcare SBA Loans in San Jose
SBA capital sized for licensed childcare and daycare operators.
- 24-hour funding on working capital files.
- 75+ lenders — banks, SBA, fintech.
- No upfront broker fees — paid by the lender at funding.
How San Jose daycare sba operators get funded
Licensed daycare and childcare in San Jose is a heavily SBA financed industry. The combination of long term lease commitments, build out requirements, and the relatively predictable cash flow of a stabilized center makes it well suited to SBA 7(a) and 504. We package files for new openings, acquisitions, and real estate purchases across the Silicon Valley.
California has the highest birth rate in the country, and San Jose's family demographic supports strong childcare demand, particularly in the rapidly growing suburbs of South Jordan, Daybreak, and Lehi.
Common capital uses
Buy an existing licensed center with SBA 7(a).
New center build out: playground, classrooms, kitchen.
Buy the building with SBA 504.
Staffing and bridging enrollment ramp up.
Qualification requirements
- Active state childcare license
- Owner FICO 680+
- Operator industry experience
- DSCR of 1.25x on stabilized cash flow
Real San Jose examples
A buyer acquires a 80-child San Jose center with $1.1M SBA 7(a) at 10% down.
A South Jordan operator funds a $900K build out with SBA 7(a).
A Sandy childcare owner purchases the operating building with SBA 504 at 10% down.
