We underwrite child care the way child care actually gets paid.
Naptime Capital is a direct funding source for child care centers, preschools, daycares, after-school and summer programs, based in Miami, Florida. We underwrite working capital, lines of credit and factoring in-house, off your bank statements, with 2-page contracts and no split of your tuition.
What we are
Naptime Capital is a direct funding source for child care centers, preschools, daycares, after-school programs and camps. We underwrite working capital advances, lines of credit and factoring facilities in-house, off your bank statements, and we fund them from our own capital. SBA 7(a), SBA Express and term loans above $500,000 are packaged by us and placed with our bank and SBA-preferred lending partners, because that is who funds those products.
Naptime Capital is headquartered at 9719 S Dixie Hwy #8, Miami, FL 33156.
What we believe about this industry
Child care gets underwritten badly. The standard model sees a bank statement full of agency deposits and treats it as unstable revenue, sees a light month and treats it as decline, and sees a home-based provider or a summer camp and does not look any further. None of that is how a center actually works. The care is delivered first and paid for on a lag that the owner does not control. Enrollment follows a school calendar. Staff ratios are set by a licensing rule, not by this week’s revenue.
So we read the file differently: average daily balance over top line, deposit rhythm over a single good month, your floor instead of your average, and subsidy and voucher deposits counted exactly the same as private tuition.
How we work
In-house first
Every file goes to our own underwriting desk before it goes anywhere else. You get a real answer from the people who make the decision.
Numbers before signatures
Amount, total payback, payment and schedule, on screen, before you commit to anything. The contract is two pages.
Call us before you stack
If the payment stops working, we would rather re-term a live file than watch a director take a third and fourth position. That conversation costs you nothing.
No automated outreach
We don’t run drip campaigns. If you hear from us, it’s a person who has read your file.
The straight version of what this costs
Fast money is expensive money. A 12-month working capital advance is the most expensive product we offer, and it exists because payroll on Friday doesn’t wait 45 days for an SBA approval. If you have 680 credit, two years of returns and a month of runway, SBA will cost you a fraction of what we charge for an advance, and we will tell you that on the phone. We would rather place you correctly once than fund you wrong twice.
Naptime Capital is a new brand and does not claim otherwise. We do not publish testimonials we did not receive, funded-volume figures we cannot support, or awards we did not win. Every number on this site is a real criterion or a representative example, labeled as such. We are not affiliated with any state subsidy, voucher or licensing agency. See compliance and disclosures.
More: the five products · who we fund · compliance & responsible funding · the partner program · contact.
Talk to the desk that makes the decision.
In-house underwriting, a two-page contract, and a person on the phone who has read your file.