Key Takeaways
- Childcare businesses are popular TN family businesses with recurring tuition revenue
- Licensed daycare centers generate predictable monthly tuition income
- SBA eliminated TN eligibility March 2026 — childcare SBA loans no longer available
- Build-out and equipment financing available without green card
- 48-hour decisions for established centers with 3+ months operating history
Childcare and early childhood education is a $60 billion industry in the US experiencing persistent supply shortages. Licensed daycare centers, Montessori programs, and preschool businesses are in high demand in most urban and suburban markets — a structural condition that supports strong enrollment, premium pricing, and low vacancy. For TN visa families, childcare businesses are a natural fit: the spouse (often the education professional in the family) operates the center while the TN holder manages business operations and holds equity.
Monthly tuition revenue from enrolled children is among the most predictable revenue streams in small business. Once a child is enrolled and paying monthly tuition, that revenue continues for 1-5 years until the child ages out of the program. A daycare with 60 enrolled children at $1,500 per month generates $90,000 in monthly recurring tuition — an excellent underwriting basis for Bankable capital.
Childcare Capital Uses
- Facility build-out: Classroom fit-out, playground equipment, kitchen facilities, and safety infrastructure
- Licensing and compliance: State childcare licensing fees, fire safety, and health department compliance
- Staff payroll bridge: Payroll for teachers and aides before tuition enrollment is fully established
- Curriculum materials: Learning materials, furniture, and age-appropriate educational equipment
- Expansion to new center: Opening a second location once the first is operating at capacity
Build-Out Financing
Fund classroom build-out, playground equipment, and compliance upgrades.
Apply Now →Second Location
Expand to a second center once your first location is operating at capacity.
Apply Now →Frequently Asked Questions
Yes. TN holders can own US businesses in any industry through a US-registered LLC or corporation. The business entity is separate from the TN holder's immigration-authorized employment.
Bankable evaluates business revenue, bank statements, and financial performance. TN visa status is not a disqualifying criterion.
The SBA updated its rules effective March 1, 2026, eliminating TN visa holders from SBA 7(a) and 504 eligibility. Bankable provides non-SBA revenue-based capital with 48-hour decisions.
Bankable delivers decisions within 48 hours. Funded amounts are typically available within 3-5 business days of approval.
Bankable generally requires $15,000 or more in monthly business revenue with at least 6 months of operating history. Some industries qualify at $10,000/month with 3 months of history.
Yes. Childcare businesses can be owned by TN holders. A spouse with education background often operates the center. The business holds the required state childcare license as an entity license.
Yes. Classroom build-out, playground equipment, kitchen facilities, and compliance upgrades are eligible for Bankable working capital and build-out financing.
Bankable requires $10,000 or more in monthly tuition revenue with at least 3 months of operating history. A center with 20 enrolled children at $800/month easily qualifies.
Monthly tuition from enrolled children is one of the strongest revenue signals Bankable evaluates. Low churn (children stay for 1-5 years), predictable billing, and waiting list evidence all strengthen underwriting.
Yes. Premium childcare concepts including Montessori, Reggio Emilia, bilingual/immersion, and specialty curriculum programs are eligible. Higher per-child tuition rates support larger funding amounts.