Sba Loan For Daycare in Aurora, CO
SBA loans for daycare and childcare centers in Aurora fund the acquisitions, buildouts and expansions for licensed centers, in-home providers scaling up, and multi-site operators across the Denver metro. Colorado has a persistent childcare shortage, and lenders know it — quality operators have a strong tailwind for growth financing.
SBA 7(a) is the workhorse for daycare financing: 10-year terms on operations, 25 years when real estate is included, and eligible for both acquisitions and de novo openings. Licensing timelines can drive the deal calendar, so it's important to structure funding around the state approval process.
Marquette works daycare files with SBA lenders who understand Colorado's licensing framework — Child Care Licensing Division rules, group size, ratios and background check timing.
- Daycare/preschool acquisition
- New center buildout (leased or owned)
- Real estate purchase (SBA 504)
- Second-location expansion
- Curriculum programs (Montessori, Reggio, etc.)
- Refinancing startup debt
- Colorado childcare license (or in process)
- Early childhood education background
- Personal credit 660+ typical
- P&L and enrollment reports for existing centers
- Business plan and pro forma for startups
From intake to funded in four steps.
“Licensing timelines can add 30–90 days to a de novo opening beyond loan closing. Work the SBA process and the state licensing process in parallel from day one — waiting for one before starting the other is how deals stall.”
Questions Aurora operators actually ask.
Can I finance a daycare with no ownership experience?+
Yes — SBA lenders are comfortable with directors and lead teachers becoming first-time owners, especially with an early-childhood degree.
How much down payment?+
10% for SBA 7(a); 15% for SBA 504 when real estate is included. Seller carry can sometimes cover part of that.
Can I finance building purchase + center in one deal?+
Yes — SBA 7(a) for the operations + SBA 504 for the real estate is the standard combined structure.
What about in-home childcare scaling up to a center?+
Fundable — the transition from in-home to licensed center is a well-worn SBA path. Your in-home P&L and waitlist data help underwriting.
Franchise childcare brands?+
Yes — franchise brands like Primrose, Kiddie Academy, Goddard, etc. are on the SBA-approved franchise list and are actively financed.
Talk to Aurora about sba loan for daycare.
15-minute call. Real advisor. Real answer on whether this is the right program for your Aurora business.