Key Takeaways
- Childcare enrollment revenue drives Bankable approval — no green card required
- Fund facility setup, equipment, and working capital for OPT childcare founders
- State-licensed childcare centers and in-home daycares with documented revenue qualify
- 48-hour decisions for childcare businesses with $8K+ monthly revenue
Early childhood education and child development graduates on F-1 OPT are launching childcare centers, Montessori-inspired learning programs, and specialized daycare businesses that serve working families. Monthly enrollment tuition creates highly predictable recurring revenue — the ideal profile for Bankable's evaluation model. US childcare demand consistently exceeds supply, making this a stable, recession-resistant market.
Childcare Business Capital Uses
- Facility setup: age-appropriate furniture, educational materials, and safety equipment
- State licensing compliance: background checks, safety inspections, and facility modifications
- Playground and outdoor activity equipment
- Staff hiring: lead teachers, assistant teachers, and administrators
- Marketing and enrollment campaign for new center launch
Frequently Asked Questions
Yes. Since March 2026, SBA loans require 100% US citizen or national ownership. Bankable is non-SBA — F-1 OPT founders qualify based entirely on business revenue.
No. Bankable funds US-registered business entities based on revenue. Immigration status is not evaluated.
Your business entity continues operating and servicing funding. The loan is with the business, not the individual.
Yes. Childcare center ownership does not require personal citizenship. State childcare licensing requirements apply to the facility and staff, not to the business owner's immigration status.
$8,000+ in monthly enrollment revenue with 4+ months of operating history.
Yes. CCDF voucher payments and other government subsidy revenue deposited into the business bank account qualifies as documented revenue.
For new centers, we evaluate the lease agreement, licensing approvals, and enrollment projections alongside the founder's experience. Established centers have stronger initial qualification profiles.
Licensed home-based daycares with documented enrollment revenue qualify, though funding amounts are proportionally smaller than center-based operations.