How fast can I get a sba loan for daycare?

Working-capital and short-term programs can fund within days. SBA and larger commercial deals typically take several weeks due to underwriting.

Do you serve businesses outside Fayette County?

Yes — we serve the surrounding Bluegrass region including Paris, Winchester, Nicholasville, Wilmore, Georgetown, and Versailles.

SBA Loan For Daycare · Lexington-Fayette

SBA Loan For Daycare in Lexington-Fayette.

SBA-backed financing for childcare and daycare operators. Coordinated by an advisor working out of our downtown office at 2525 Harrodsburg Rd, Lexington, KY.

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Amount: $150,000 to $5,000,000.
Term: Up to 10 years working capital / 25 years real estate.
Best for: Licensed childcare operators expanding or acquiring.
Coverage: Fayette + Bluegrass

Locally rooted

Based on Harrodsburg Road in Lexington.

Advisor-led

Real people who guide you through every option.

Wide lender network

Access to bank, SBA, and alternative funders.

Transparent process

Clear terms — no payday-style shortcuts.

The program

What sba loan for daycare actually is

SBA loans for childcare and daycare centers fund acquisitions, buildouts, and real estate. Lenders look closely at licensing, enrollment, and staff ratios, and specialty SBA lenders actively fund the space.

Who it fits in Lexington-Fayette

Owners acquiring an existing licensed center in Central Kentucky
Established centers expanding or adding a location
Directors purchasing the building they lease

Common uses

Acquisition and partner buyouts
Buildout and playground
Owner-occupied real estate
Working capital

What lenders review

Requirements vary by lender and program. Expect underwriters to focus on some combination of the following:

Enrollment and waitlist

State licensing status

Director experience and credentials

How we help

Advisor-led, not order-taker.

We route daycare deals to SBA lenders with active childcare programs and help package licensing documentation upfront so underwriting does not stall.

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FAQ

SBA Loan For Daycare · common questions

Most established Lexington-Fayette businesses with consistent revenue can qualify for a sba loan for daycare. Pemberton Lenders reviews credit, time in business, and use of funds to match you with the right lender.

Ready to talk through sba loan for daycare?

A Lexington-based advisor will follow up within one business day. No credit pull to start.

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Submitting an inquiry does not guarantee approval or funding. Financing options are subject to lender review.