Programs eligible for loans include child care centers and family day homes programs participating in the Child Care Subsidy Program or the UDSA Child and Adult Care Food Program. 

Eligible expenses include: 

• Items that enhance the early learning environment, early childhood curriculum, child care management systems, technology (such as computers, tablets, printers).
• Minor facility upgrades to comply with health and safety standards or to meet requirements to serve children with special needs or those who need accommodations. 
• Passenger vans and buses (child care centers only) 

Terms available to qualified borrowers include: 

• Family Day Home Operators may borrow up to $15,000 for repayment up to 7 years. 
•  Child Care Centers may borrow up to $150,000 for repayment up to 7 years. 

• Child Care Centers may borrow up to $250,000 for repayment up to 10 years. 

Interest rates and fees: 

•  Currently, no interest or fees apply for Child Care Centers or Family Day Homes. 

For more information about the Child Care Financing Program, please visit the VSBFA website or view/download the Frequently Asked Questions flyer.