Child Care Business Loans
Opportunity Fund is a non-profit that has helped hundreds of child care providers since 1995. We can help you improve the quality and safety of your family child care businesses so you can retain and attract more families and earn more income. Opportunity Fund has given loans (not grants) to providers in San Jose, San Francisco, Oakland, and the greater SF Bay Area. Furthermore, we offer free business advising from our Child Care Consultant who has over 10 years of experience running her own child care business.
Opportunity Fund Child Care Business Loans can be used for:
- Day Care Equipment and Supplies: Buying new and replacing old daycare furniture, play structures, mats, toys and educational materials
- Quality and Safety Improvements: Adding or improving an outdoor play area, replacing old carpets, and making repairs such as fixing a fence, window, roof or door
An Opportunity Fund loan provides a chance to invest and grow your business and earn more income. In addition, you can establish good credit history and prepare for success with professional help from experienced Business Advisors.
Opportunity Fund free business advising includes:
- Marketing: How can I keep and attract more families?
- Budgeting: How much should I charge? How do I make sure I can pay all my bills?
- Administration: What should be in my contract? What do I need to know about insurance and recordkeeping?
Invest in improving your child care business today with the help of Opportunity Fund!
Loan Details
Loan Amounts
Small loans from $1,000-$10,000
Fixed Interest Rates
8%
Loan Fees
5%
Loan Terms
3 years maximum
Loan Collateral
Little or no collateral requirements
Repayment Process
Simple and easy
Are you a Child Care provider looking to buy new educational materials, build a new play area, or otherwise enhance your Child Care business? If so, Opportunity Fund can help. Talk to us today!

Success Story
Gloria
Owner
Happy Kids Day Care
When I came to this country, it was as if my past had been erased. My mother tongue was no longer useful. I went from managing a staff of forty at a nonprofit for underprivileged children in Colombia to cleaning other people’s houses. I had no credit history. When I came across a flyer about Opportunity Fund at the 4C's San Mateo, I knew I had found an organization that was willing to take a chance on me.

