The SBA 7(a) program finances up to $5 million for daycare acquisitions, build-outs, or equipment purchases when you provide a business plan showing per-child revenue, a staffing matrix that meets Texas ratio requirements, and personal tax returns proving you can weather seasonal dips. Lenders fund everything from infant room renovations to kitchen upgrades that satisfy food-program inspections. In Wichita Falls, a common scenario is a home daycare operator in Iowa Park who has maxed out the 12-child household limit and wants to lease a commercial space in Dean to serve 40 kids. That operator needs an SBA 7(a) loan to cover the lease deposit, interior build-out for fire-rated walls, commercial-grade HVAC, and six months of payroll while enrollment ramps.
We prepare the application by organizing your state license, your liability insurance declarations page, your last 24 months of profit-and-loss statements, and a roster showing each teacher's CPR certification and background-check clearance. Underwriters will calculate your debt-service coverage using tuition revenue minus payroll, food costs, and rent, so we help you present those numbers cleanly.
