Key Takeaways
- Former H-2B resort recreation and childcare workers often launch their own daycare centers after gaining work authorization
- Bankable funds childcare businesses $25K–$2M based on enrollment revenue — no green card required
- Facility build-out, equipment, and working capital all available
- SBA 2026 rule eliminated non-citizen daycare owners from all SBA programs
- 48-hour approvals for qualified childcare businesses
From H-2B Resort Recreation Staff to Daycare Owner
H-2B workers employed in resort kids' clubs, recreation departments, and resort childcare programs developed practical childcare expertise in demanding, multi-cultural environments. These workers provided childcare for resort guests' children from dozens of countries simultaneously — multilingual, multi-cultural, high-quality environments. When they gain work authorization and launch their own childcare businesses, they bring these skills to the communities they now call home.
Childcare businesses have strong, recurring revenue from weekly or monthly enrollment fees. Bankable funds these businesses on documented enrollment revenue — no citizenship required.
Facility Build-Out
Fund classroom renovations, playground equipment, and safety compliance improvements.
Apply →Working Capital
Cover teacher payroll, supplies, and licensing costs. Draw as needed. Up to $150K.
Apply →Revenue-Based Funding
Based on enrollment revenue. Repay as a percentage of daily deposits.
Apply Now →Frequently Asked Questions
Yes. Bankable funds childcare businesses regardless of the owner's immigration status. Documented enrollment revenue is the primary criterion.
We fund daycare centers, preschools, after-school programs, summer camps, and in-home childcare businesses with documented enrollment revenue.
Funding depends on annual revenue. A daycare generating $300K–$600K annually might qualify for $50K–$200K.
The 2026 SBA rule requires 100% citizenship, eliminating non-citizen daycare owners. Bankable is private capital with no citizenship requirement.
Yes. Facility improvement and equipment financing are available for childcare businesses. The improvements often serve as partial collateral.
Yes. Working capital lines are ideal for childcare businesses with gaps between enrollment periods.
Six months of business bank statements, your EIN, childcare license, and personal identification. No green card required.
Most applications receive a decision within 48 hours. Funds are typically deposited within 3–5 business days.