Daycare operators in Daly City can access SBA 7(a) loans up to $5 million for expansion, equipment, and working capital by working with a broker who simplifies the documentation process. Hazelcrest Financial at 323 89th St, Daly City, CA 94015 helps childcare centers and home daycare providers in Daly City, Broadmoor, Colma, and Brisbane prepare lender-ready packages that address the unique compliance and cash-flow realities of early-childhood businesses.
Daycare centers face layered licensing hurdles through the California Department of Social Services Community Care Licensing Division, which reviews facility square footage, outdoor play space, and staff-to-child ratios before any lender will underwrite the loan. Daly City's tight commercial real estate market along Mission Street and Westlake means lease terms and zoning letters become critical loan components. We organize your Title 22 compliance records, enrollment contracts, and three years of tax returns so lenders see stable recurring revenue rather than seasonal dips. Working capital needs spike when you hold spots for transitioning families or cover payroll during summer enrollment gaps, and we match those cycles to the right loan structure.
Loan programs
SBA 7(a) loans cover acquisition of an existing center, tenant improvements for infant rooms, playground equipment, and refinancing high-interest debt into one predictable payment. Terms stretch to 25 years for real estate and ten years for equipment, lowering monthly obligations so tuition revenue covers operations. SBA 7(a) loans require personal guarantees and collateral, but the documentation we prepare front-loads every question lenders ask about child-enrollment trends and state subsidy contracts.
Equipment financing funds cribs, nap mats, kitchen appliances, security cameras, and outdoor shade structures without tying up working capital. Approval hinges on invoices and vendor quotes, which we bundle with your license renewal proof and insurance certificates in a single submission.
Business lines of credit bridge the gap when families pay tuition late or when you pre-pay staff during holiday closures. Draw only what you need, repay as tuition clears, and keep the line open for the next cycle.
We start with a twenty-minute call to map your enrollment capacity, current utilization, and growth plan. Then we audit your existing documentation for gaps lenders flag: missing background clearances, outdated facility inspections, or incomplete financial statements. You gather the pieces; we format them into a narrative that shows predictable cash flow and community demand. Daly City's proximity to South San Francisco biotech campuses and San Bruno's airport employment corridor means working parents need reliable childcare, and we help lenders see that demand in your application.
A licensed home daycare provider in Broadmoor wanted to lease a 2,500-square-foot storefront on San Pedro Road and scale from eight children to twenty-four. She had enrollment contracts and a Title 22 license but no formal financial statements. We worked with her bookkeeper to reconstruct two years of income, secured an SBA 7(a) pre-qualification, and coordinated the lease contingency so the landlord and lender closed simultaneously. The entire process took eleven weeks from first call to funding.
Serving the Daly City area
We know which lenders fund which kinds of Daly City businesses, and we position your file where it fits.
One local broker, many lenders, and no cost to apply.
Common questions
Talk to a local advisor and get matched to the right program, no obligation.
Why Daly City owners trust Hazelcrest Financial
