Four minutes. Three statements. One offer.
Apply for child care funding in about four minutes. You need an application and your three most recent months of business bank statements. No minimum FICO for working capital, $15,000 a month in deposits — tuition and subsidy both counted — 6 months in business. Offer in about four business hours, funded in 24.
Submitting the application does not affect your credit.
One application covers all five.
Every button below opens the same four-minute application. If you’re not sure which product fits, start anywhere — the underwriter will place the file.
What you need, exactly
- A four-minute application: legal entity name, DBA, EIN, address, owner name and date of birth, ownership percentage, last four of SSN, monthly deposits, time in business, amount requested, and what it’s for.
- Your three most recent months of business bank statements as PDFs — four months if your program is seasonal. Downloaded from your bank, not screenshots. Subsidy and voucher deposits should be visible on them; that is a good thing.
- That’s it. No tax returns under $500,000. No business plan. No license documents up front. No collateral for working capital. No minimum credit score for working capital or factoring.
What happens after you submit
- Within about 4 business hours on a weekday, an underwriter reads your file and we come back with an amount, a total payback, a payment and a schedule — or a decline with the actual reason.
- If you take the offer, you sign a two-page contract.
- A clean file signed before 11:00 AM ET generally funds the same business day. Otherwise, next.
We will call you. We don’t run automated email sequences, so put a number on the application you actually answer.
Does applying affect my credit?
Submitting the application does not affect your credit. We review your business bank statements first. If you move forward on a credit-qualified product — a line of credit, a term loan, or SBA — a credit pull happens at that point and we tell you before it does.
Your information
Your full SSN and EIN are stored encrypted and are never displayed back on any screen, included in any email, or used in any AI system. Display surfaces show the last four digits only. See the privacy policy.
Which one are you applying for?
| Product | Amount | Term | Speed | Min FICO | Min time in business | Min monthly deposits | Who underwrites |
|---|---|---|---|---|---|---|---|
| Working capital advance | $10K – $2M | 3–18 months | 24 hours | None | 6 months | $15,000 | Naptime, in-house |
| Line of credit | $25K – $500K | Revolving, 6–24 month draws | 1–3 business days | 600 | 12 months | $25,000 | Naptime, in-house |
| Invoice factoring | $10K – $5M facility | Per invoice, 30–90 days | 3–5 days to open, 24 hours per invoice after | None | 3 months | $20,000 in receivables | Naptime, in-house |
| Term loan | $50K – $5M | 6–60 months | 3–7 business days | 650 | 24 months | $40,000 | Naptime in-house to $500K; bank partners above |
| SBA 7(a) / SBA Express | $50K – $5M | Up to 10 years working capital, 25 years real estate | SBA Express 10–21 days; 7(a) 30–45 days | 680 | 24 months | — | SBA-preferred bank partners, packaged by Naptime |
Working capital, lines of credit and factoring are underwritten and funded in-house. SBA 7(a), SBA Express and term loans above $500,000 are packaged by Naptime and placed with bank and SBA-preferred lending partners. See disclosures.
Before you click.
How long does the application take?
About four minutes. You need your legal entity name, DBA, EIN, address, owner name and date of birth, ownership percentage, last four of your SSN, monthly deposits, time in business, the amount you want, and what it is for.
What documents do I need to apply for child care funding?
An application plus your three most recent months of business bank statements as PDFs — four months if your program is seasonal. Downloaded from your bank, not screenshots. No tax returns under $500,000, no business plan, no license paperwork up front, and no collateral for working capital.
Does applying affect my credit?
No. Submitting the application does not affect your credit. Naptime Capital reviews your business bank statements first. If you move forward on a credit-qualified product — a line of credit, a term loan, or SBA — a credit pull happens at that point and we tell you before it does.
What happens after I submit?
Within about 4 business hours on a weekday an underwriter reads your file and comes back with an amount, a total payback, a payment and a schedule — or a decline with the actual reason. If you take the offer you sign a two-page contract. A clean file signed before 11:00 AM ET generally funds the same business day.
Will you email me updates?
No. Naptime Capital does not run automated email sequences. We will call you, so put a number on the application that you actually answer.
How is my SSN and EIN handled?
Your full SSN and EIN are stored encrypted in a dedicated secrets vault, are never displayed back on any screen, never written into logs or email, and never placed into any AI or large-language-model system. Display surfaces show the last four digits only. See the privacy policy.
Four minutes. Three statements. One offer.
No minimum FICO for working capital. $15,000 a month in deposits. Six months in business. All 50 states.