Business Loans for Childcare Centres
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Finance your childcare centre purchase, expansion, or upgrade with loans tailored for the early childhood education sector across Australia.
Loans from $20K to $3M, over 12 to 84 months, depending on the lender and the security.
What is the monthly payment on a $50,000 business loan for childcare centres?
About $1,685 a month over 3 years at 13% p.a., close to the unsecured rates CommBank and NAB published on 10 October 2026, or about $1,567 at 8% p.a. on a secured loan, before fees. Online lenders often price higher, and the business loan repayment calculator runs any rate and term.
Childcare business loan repayments over 3 years
| Loan amount | Monthly repayment at | ||
|---|---|---|---|
| 8%p.a. | 13%p.a. | 18%p.a. | |
| $20,000 | $627 | $674 | $723 |
| $50,000 | $1,567 | $1,685 | $1,808 |
| $100,000 | $3,134 | $3,369 | $3,615 |
| $250,000 | $7,834 | $8,423 | $9,038 |
| $500,000 | $15,668 | $16,847 | $18,076 |
| $1,000,000 | $31,336 | $33,694 | $36,152 |
Scroll the table sideways for more rates
Illustrative monthly principal and interest repayments over 3 years, before fees and charges. Rates are examples, not offers; your rate depends on the lender and your circumstances. The rate follows the security and the lender more than the industry. Use the business loan repayment calculator.
- Loan amounts from $20K to $3M
- Terms from 12 to 84 months
- Secured and unsecured options, matched to the security you have
- A licensed broker who compares lenders for childcare centres
- No obligation to proceed with any offer
Common financing needs: Childcare
The things businesses in this sector most often finance:
Childcare business loan features
How businesses in this sector use finance
Acquire a Centre
Purchase an existing childcare centre including goodwill with specialist lenders who understand the value of approved places, occupancy rates, and CCS revenue.
Expand Capacity
Finance renovations and expansions to increase your approved places, improve facilities, and grow revenue from your existing location.
Meet Compliance
Fund the upgrades needed to meet National Quality Framework requirements, including safety equipment, building modifications, and outdoor area improvements.
Government Revenue
Childcare businesses benefit from stable government-backed revenue through the Child Care Subsidy, which lenders view very favourably when assessing applications.
What lenders publish for childcare centres
The entry criteria lenders publish apply across industries, as each lender showed them on 10 October 2026. Meeting a floor is where assessment starts, not an approval.
| Lender | Minimum trading | Turnover floor | Security and size |
|---|---|---|---|
| Bizcap | 4 months | $12,000 a month | Unsecured or secured; $5,000 to $7.5M |
| Prospa | 6 months (2 years for its line of credit) | $6,000 a month | Property or asset ownership needed above $150,000 |
| Lumi | 6 months | $50,000 a year | Unsecured options; line of credit up to $1M |
| ANZ GoBiz | 6 months of reconciled accounting data | GST registered if turnover is $75,000 or more | No asset security to $200,000; a general security agreement from $200,000 to $500,000 |
| Moula | 12 months | $10,000 a month; GST registered | Unsecured; $10,000 to $500,000 |
| OnDeck | 12 months | $100,000 a year | Unsecured; $10,000 to $300,000 |
| NAB QuickBiz | More than 12 months under the current ABN | $75,000 a year; GST registered | No security; $5,000 to $250,000 at 12.95% p.a. fixed |
| CommBank BetterBusiness Loan | Not published | Not published | Residential, rural or commercial property, from 7.54% p.a.; unsecured to $250,000 from 13.09% p.a. |
| Westpac Business Loan | Two years operating and profitable for its 100% LVR option | Not published | Up to 100% LVR to $3m for owner-occupied non-specialised premises or expansion; from 8.16% p.a. |
Criteria change without notice; confirm with the lender. Published decision times are in which lender suits which business.
Lending challenges for this sector
Lenders that specialise in the sector can work with situations like these, which is where a broker's knowledge of each lender's appetite matters:
How to get a business loan for childcare centres
Tell us your needs
Share what the finance is for, how much you need and how long you have been trading.
A broker compares lenders
A licensed business finance broker compares lenders on their panel for childcare centres.
Compare your options
Review the offers and choose the one that fits.
Settlement
The lender settles the loan and releases the funds.
Related finance options
Business loans for other industries, and the main business finance products.
Childcare business loan FAQs
Can I get a loan to buy a childcare centre?
How do lenders value a childcare business?
What deposit do I need to buy a childcare centre?
Can I finance centre renovations and upgrades?
Do first-time childcare owners qualify for finance?
How long does childcare business finance take?
WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rates are calculated on a secured loan of $150,000 over 25 years for home loans and a loan of $30,000 over 5 years for car and personal loans, unless the lender states another basis. Business loans and equipment finance for a business purpose have no mandatory comparison rate.
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Answer a few quick questions and a licensed business finance broker compares lenders for childcare centres. Free to use, no obligation.