Key Takeaways
- Licensed childcare centres with 6+ months revenue qualify for Bankable
- SBA childcare business loans unavailable to E-3 holders
- Facility, equipment, and working capital all fundable
- Monthly tuition revenue is ideal for Bankable underwriting
- 48-hour decisions up to $2M
Australian early childhood education philosophy — play-based learning, outdoor engagement, whole-child development — has a distinctive approach that resonates strongly with US parents who seek alternatives to traditional childcare models. E-3 holders with early childhood education backgrounds have established well-regarded childcare centres in urban and suburban US markets.
Childcare centres require significant upfront investment: facility fit-out, playground equipment, educational materials, and staffing. Monthly tuition revenue, once enrolled to capacity, is highly predictable. Bankable funds childcare businesses on their monthly tuition revenue base — no SBA, no green card requirement.
The E-3 Funding Barrier
The SBA's 100% citizen/national ownership rule disqualifies every E-3 holder from government-backed loans — regardless of how long you've been in the US, how profitable your business is, or how strong your credit score is. Banks that primarily originate SBA loans have no viable product to offer you. That's not a reflection of your business quality; it's a policy gap that Bankable was built to bridge.
Revenue-based funding through Bankable requires no green card, no citizenship, and no SBA involvement. What matters: your business generates consistent revenue, has been operating for at least 6 months, and has a US business bank account. That's the core of what we evaluate. Check your Bankability Score to see your options in minutes.
Challenges in This Sector
- Childcare facility fit-out (safety equipment, learning materials, outdoor space) is expensive
- Staff-to-child ratios require significant payroll before reaching enrollment capacity
- State licensing and fire marshal inspections require compliance investment
- 3–6 months to build enrollment from opening to capacity
- Food service requirements add operational complexity and cost
- Parent payment terms (monthly) create occasional AR gaps
Funding Solutions for E-3 Holders
- Facility Capital: Fund childcare centre build-out, equipment, and materials.
- Working Capital: Cover payroll during enrollment ramp-up.
- Second Location: Expand to additional centre based on existing revenue.
- Playground & Outdoor Equipment: Safety-compliant outdoor play equipment financing.
- Marketing Capital: Enrollment marketing for new centre launch.
Childcare Revenue Profile
A licensed childcare centre with 50 enrolled children at $1,400/month tuition generates $70K/month in predictable revenue. Waiting lists at quality centres are common — indicating demand exceeds supply in many markets. This supply-demand dynamic supports strong revenue growth for well-run centres.
Capital Products Available
Revenue-Based Funding
Up to $5M based on your monthly revenue. No green card, no SBA. 48-hour decisions.
Apply Now →Equipment Financing
Asset-backed funding for equipment — available to non-citizen business owners.
Check Eligibility →Frequently Asked Questions
Yes. Childcare business ownership is not restricted by E-3 status. State childcare licensing requirements apply.
Daycare centres, preschools, Montessori schools, after-school programs, and family childcare businesses with facility-based operations.
Typically $15K+/month in consistent tuition revenue.
Yes. Facility fit-out and compliance equipment are primary use cases.
Yes. Safety-compliant outdoor play equipment can be financed.
For established centres, we evaluate current enrollment revenue. New centres may qualify for startup capital if the operator has prior childcare business experience.
Yes. Second centre expansion is supported based on existing centre revenue.
Yes. We understand staff-to-child ratio requirements and the fixed payroll costs of licensed childcare operations.
48-hour decisions. Funds in 3–5 business days.
Yes. Enrollment marketing is a valid working capital use.