Childcare Business Loans in Florida
Childcare Business Loans in Florida
If you're opening, expanding, or refinancing a daycare or early childhood education center,
Commercial Loans Florida, Inc.
offers financing built specifically for your business needs. We work with childcare professionals across Florida to provide access to fast, affordable, and customized loan solutions.
Who We Help
We provide funding for:
Licensed daycares
Montessori schools
Preschools and pre-K centers
Early learning academies
After-school programs
Faith-based childcare centers
Franchise and independent operators
Whether you’re acquiring a new building, upgrading your classrooms, or simply need working capital, we can help you find the right loan solution.
Loan Options for Childcare Centers
We understand the regulatory and licensing requirements that come with operating a childcare facility in Florida. Our loans are structured with your industry’s specific needs in mind.
Popular loan programs include:
SBA 7(a) and 504 Loans – Use funds to buy property, refinance debt, or renovate your center
Bridge Loans – Fast interim financing to cover real estate or urgent expenses
Working Capital Loans – For staffing, supplies, marketing, or expansion
Start-Up Loans – Get your daycare business launched with the right financial support
Real Estate Loans – Acquire or refinance your childcare facility
Loan Features
Loan amounts from $100,000 to $10,000,000+
Up to 90% financing available
Terms up to 25 years with interest-only options
Competitive rates with fixed or adjustable options
Approvals as fast as 48–72 hours
Why Florida Childcare Owners Choose Us
At Commercial Loans Florida, we take time to understand your program's mission and your business model. Whether you're operating from a commercial building, a converted residential space, or a newly built center, we provide flexible financing solutions that align with your growth goals.
What sets us apart:
Extensive experience with licensed childcare businesses
Access to SBA lenders and private capital sources
Hands-on support through every step of the loan process
Help with budgeting, projections, and licensing compliance
Real Success Stories
We recently helped a preschool in Tampa refinance their building and expand classroom space with a $750,000 SBA 504 loan. A new Montessori center in Orlando received startup capital and a working capital line to open their doors and build enrollment.
Start Your Application Today
If you’re ready to grow your early childhood education business, we’re ready to help you fund it. Pre-approvals are available within 48 hours for qualified applicants.
Let Commercial Loans Florida help you build the future of childcare—one classroom at a time.
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727-642-1166
This website is intended to provide information regarding Business Purpose Loans, which are non-TRID (TILA-RESPA Integrated Disclosure) loan programs designed to support the financing needs of businesses. Business Purpose Loans are designed strictly for business, commercial, or investment purposes. These loans are not intended for personal, family, or household use. If you are seeking financing for personal use, we recommend you explore other loan options. Terms and eligibility for Business Purpose Loans may vary based on individual qualifications, loan type, and property use. Loans for business purposes may be secured by various types of properties, including residential, multi-family, commercial, or mixed-use properties, as long as the primary use of the loan is for business purposes. It is important to understand that, as part of the loan agreement, the collateral may be subject to foreclosure if the borrower defaults. The information provided on this website is for informational purposes only and does not constitute an offer to lend, a loan approval, or a guarantee of financing. All loan programs are subject to underwriting approval, and the terms, rates, and availability of loan programs may change without notice. We encourage all borrowers to seek professional legal, financial, or tax advice before entering into any loan agreement. Business Purpose Loans can have significant financial implications, and it is important to understand your obligations and rights fully before proceeding with any loan.