Fast working capital for child care centers, adult day programs, preschools, and after-school facilities. Get $15,000 to $150,000 based on your revenue, not your credit score.
$15K to $150K Funding
Same-Day Approval
No Collateral Required
Funds in 24 Hours
Apply NowNo hard credit pull. Takes less than 5 minutes.
Working Capital Built for Day Care Centers
Running a day care means managing staffing ratios, facility requirements, licensing renewals, and payment cycles all at once. Whether you operate a child care center, an adult day program, or a senior care facility, cash flow can get tight fast. Traditional banks rarely lend to care businesses, and when they do, the process takes far too long.
Trulo Capital's merchant cash advance gives day care owners a faster path to working capital. We evaluate your center based on your revenue history, not just your credit score. You can access $15,000 to $150,000 with same-day approval and funding in as little as 24 hours. Use the capital to keep your facility running, your staff paid, and the people in your care well served.
How Day Care Centers Use MCA Funding
There are no restrictions on how you use your funds from Trulo Capital. Day care center owners typically use working capital for:
Hiring and retaining qualified caregivers and staff
Renovating or upgrading facility spaces and common areas
Purchasing furniture, equipment, and educational supplies
Covering payroll during seasonal enrollment gaps
Renewing licenses, certifications, and insurance coverage
Expanding capacity or opening a second location
Installing safety and security upgrades
Marketing to attract new enrollments or clients
How It Works
From application to funding in as little as 24 hours. No branch visits, no loan committees.
Step 1
📋
Apply
Fill out a one-page application in minutes. Have 3 months of business bank statements ready.
Step 2
📞
Get an Offer
A funding advisor reaches out within a few hours to walk you through your options.
Step 3
💸
Get Funded
Once you approve an offer, funds are deposited into your account. Often within 24 hours.
Step 4
📈
Repay as You Earn
A fixed percentage of your daily card sales is applied toward your balance. Less on slow days, more on busy ones.
Approval is not based solely on your credit score. We look at the overall health of your day care business.
600+ Credit Score
FICO score of 600 or above to qualify
12+ Months in Business
At least one year of care center operation
$20K+ Monthly Revenue
Average monthly revenue of $20,000
Healthy Cash Flow
Verified with your last 3 months of business bank statements
Even if you don't meet every requirement, it's worth applying. We review each application individually.
Types of Day Care Centers We Fund
Trulo Capital works with care businesses of all types and sizes. If your center generates consistent monthly revenue, you are likely a good fit for a merchant cash advance.
🧒 Child Care Centers
Licensed child care facilities serving infants, toddlers, and young children that need capital for staffing, supplies, and facility improvements.
📚 Preschools and Pre-K Programs
Early education programs focused on school readiness that need working capital to maintain quality staff and learning environments.
🎒 After-School Programs
After-school and enrichment programs serving school-age children that need capital to expand capacity and hire additional staff.
👴 Adult Day Programs
Adult day care and senior day programs providing supervised care and social activities for older adults who need daytime support.
🏠 Home-Based Day Care
Licensed home-based child care providers looking to expand capacity, upgrade their space, or invest in better learning materials.
♿ Special Needs Care Centers
Day care facilities serving children or adults with special needs that require specialized equipment, trained staff, and adapted facilities.
Day Care MCA vs. Bank Loan
Traditional bank loans are not built for care center businesses. Here is how a Trulo Capital merchant cash advance compares.
Trulo Capital MCA
Bank Loan
Approval time
✓ Same day
– 2 to 8 weeks
Funding speed
✓ As fast as 24 hours
– Weeks after approval
Credit score required
✓ 600+ accepted
– Usually 680 or higher
Collateral
✓ Not required
– Often required
Repayment
✓ % of sales
– Fixed monthly payment
Application
✓ One page, online
– Extensive paperwork
Revenue-based approval
✓ Yes
– No
Approval time
Trulo MCA
Same day
Bank Loan
2 to 8 weeks
Funding speed
Trulo MCA
As fast as 24 hours
Bank Loan
Weeks after approval
Credit score required
Trulo MCA
600+ accepted
Bank Loan
Usually 680 or higher
Collateral
Trulo MCA
Not required
Bank Loan
Often required
Repayment
Trulo MCA
% of sales
Bank Loan
Fixed monthly payment
Application
Trulo MCA
One page, online
Bank Loan
Extensive paperwork
Revenue-based approval
Trulo MCA
Yes
Bank Loan
No
Day Care Funding Questions and Answers
Can I get a merchant cash advance for my day care center if I have bad credit?
Yes. Trulo Capital approves day care funding based primarily on your revenue history and bank statement health, not just your FICO score. Many care center owners with credit scores in the 600s qualify for funding. If your center has been operating for at least 12 months with consistent revenue, you have a strong chance of approval.
How much can my day care center borrow?
Trulo Capital funds day care centers from $15,000 to $150,000. The exact amount depends on your average monthly revenue and bank statement history. A funding advisor will walk you through how much you are eligible for and what repayment would look like for your specific center.
Can I use the funds to hire staff or renovate my facility?
Absolutely. Hiring qualified caregivers and facility renovations are among the most common uses for day care MCA funding. There are no restrictions on how you use your Trulo Capital funds. Whether you need to upgrade a classroom, improve safety features, or bring on additional staff, you can use the capital however your center needs it most.
How does repayment work for a day care cash advance?
Repayment is collected as a fixed percentage of your daily or weekly card sales and deposits. During periods when enrollment is lower, you pay less. When your center is running at full capacity, you pay more. You never have a fixed monthly payment that ignores how your center is actually performing.
How fast will I receive the funds?
Most day care center owners receive their funds within 24 to 48 hours of approval. In some cases, same-day funding is possible. There are no loan officers, branch visits, or committee reviews slowing things down.
Do adult day programs and senior care centers also qualify?
Yes. Trulo Capital funds all types of care centers including adult day programs, senior day care facilities, and special needs care centers. The key factor is your monthly revenue and business bank statement history. Apply and a funding advisor will review your specific situation.
What documents do I need to apply?
The application is simple. You will need your last 3 months of business bank statements and basic information about your center. For faster processing, you can also securely connect your bank account directly. A funding advisor will reach out within a few hours to complete your application.
What Our Clients Are Saying
Discover how real business owners are growing with fast, clear, and reliable funding experiences.
The process was fast and easy to understand. I run a retail clothing store, and the funding helped me prepare for a seasonal rush without stressing over cash flow. Everything was clear from the start.
Rachel M.
Retail Store Owner
I’ve worked with other financing companies before, but this experience stood out. As a small restaurant owner, I needed quick help during a slow month. The communication was strong and the approval came faster than I expected.
Marcus J.
Restaurant Owner
Running a hair salon means staying stocked and ready for clients. I applied in the morning and received funding the same day. The team made it feel simple and reliable from start to finish.
Elena S.
Salon Owner
As someone who owns a small auto repair shop, I don’t have time for complicated applications. This was refreshingly easy. I was able to fix equipment and manage payroll without delay.
Jared T.
Auto Repair Business Owner
I needed to restock supplies and launch a small marketing campaign for my mobile cleaning service. The support I received was direct, honest, and truly helpful. This made a real impact on how I operate.
Danielle R.
Cleaning Service Owner
The process was fast and easy to understand. I run a retail clothing store, and the funding helped me prepare for a seasonal rush without stressing over cash flow. Everything was clear from the start.
Rachel M.
Retail Store Owner
I’ve worked with other financing companies before, but this experience stood out. As a small restaurant owner, I needed quick help during a slow month. The communication was strong and the approval came faster than I expected.
Marcus J.
Restaurant Owner
Running a hair salon means staying stocked and ready for clients. I applied in the morning and received funding the same day. The team made it feel simple and reliable from start to finish.
Elena S.
Salon Owner
As someone who owns a small auto repair shop, I don’t have time for complicated applications. This was refreshingly easy. I was able to fix equipment and manage payroll without delay.
Jared T.
Auto Repair Business Owner
I needed to restock supplies and launch a small marketing campaign for my mobile cleaning service. The support I received was direct, honest, and truly helpful. This made a real impact on how I operate.
Danielle R.
Cleaning Service Owner
Ready to fund your day care center?
Apply in minutes. Talk to a funding advisor today. Funds deposited as fast as 24 hours.
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