FUNDED Series
SBA Loans for Childcare Center Owners
Buying a center and its building, buying the center you run, or building a new one. What a lender counts, and how the deal is structured under SBA SOP 50 10 8.1.
By Thomas Hartwell
ISBN: 979-8-950252-07-5 (Paperback)
What's inside
- SBA 7(a) and 504 for childcare centers
- Buying the center you run: the Owner Buyout rules
- Tuition, subsidies, and what a center is worth
- Older buildings, environmental review, and the lead rule
- Down payment rules and seller notes on full standby
Three owners, three deals
Monica is buying a center licensed for 140 children, building and all, and the building's age adds a step most buyers never see coming.
Jen has directed the same center for six years and is buying it from the retiring owner.
Aaron is building a new center through SBA 504, and his lender wants to see the cash that carries him to year two.
Every rule is checked against SBA SOP 50 10 8.1 (effective October 1, 2026), 13 CFR Part 120, and current SBA notices.
Check your own childcare center deal
The kit runs your numbers through the same SBA checks the book teaches, and shows the most you can pay. See a sample deal checked, free.
See the childcare center kit, $67Your lender makes the final call.
Childcare center buyers: get the free 27-Point SBA Loan Checklist
What lenders check before you apply, in order. No purchase needed.
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