By Trevor Damyan, Commercial Mortgage Broker at Commercial Lending Solutions
A $3 million daycare SBA acquisition typically combines real estate, FF&E (classroom furniture, playground equipment, kitchen equipment), franchise fees, and goodwill for a single-location franchise (Primrose, Goddard, KinderCare, Children's Lighthouse) or independent daycare. Most $3M daycare SBA acquisitions allocate $1.5M to $2M to real estate and $1M to $1.5M to operating business.
Get a Quote on Your $3M Deal →$3M daycare SBA acquisitions typically combine SBA 504 for real estate and SBA 7(a) for operating business including franchise fees and FF&E.
Pricing reflects active CLS CRE quote pipeline as of April 2026. Specific deal pricing depends on sponsor, property, and structure.
Typical $3M daycare SBA sponsors are first-time franchisee owner-operators (often with education, healthcare, or childcare industry experience) or experienced multi-location daycare operators. National franchise brands streamline SBA underwriting.
On a $3.0M acquisition of a Primrose Schools franchise in a Texas Sun Belt suburb, the buyer was a first-time childcare operator with prior elementary school administrative experience. Combined SBA 504 + 7(a) at 88 percent LTC.
Anonymized. All deal references protect borrower and lender identity.
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