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Daycare projections that show the bank you can carry payroll until you're full.

Enrollment by age group, tuition and staff go in. The file shows the cash low point while enrollment fills, five years of profit and loss, and the loan coverage ratio.

  • Laid out the way SBA lenders ask: assumptions, year one by month, loan payment, DSCR.
  • Starts as a realistic daycare center, so you change what's different about yours instead of starting blank.
  • Plain formulas: click any cell and see where it comes from. Excel and Google Sheets.
Available this week $39 one payment · instant download

What your lender checks, and where it is in the file

Can the business cover the loan payments? Annual · DSCR
Does cash go below zero while sales ramp up? Annual · Lowest cash
What does year one look like month by month? Monthly · months 1-12
Where does the money come from, and where does it go? Sources & Uses
How much are you putting in yourself? Sources & Uses · owner share
What sales do you need to break even? Annual · Break-even
Where did each assumption come from? Assumptions · notes
Can you explain the numbers? plain formulas, no macros

You type the blue cells

  • Sales drivers and prices for your business
  • Who you'll pay and from which month
  • Rent, insurance and other monthly costs
  • Startup costs and the loan terms

The file works out

  • 60 months of profit and loss and cash flow
  • 5-year summary with margins and growth
  • Loan payment, interest and DSCR by year
  • Sources and uses, and break-even

The numbers a daycare center forecast is built on

A daycare's costs start on day one, but enrollment fills over months. That gap is what sinks most childcare plans, and it is what a lender looks for first. This template builds revenue from enrolled children and monthly tuition for infants, toddlers and preschool separately, ramps enrollment up over a year, and sizes the cash reserve to carry payroll until the center is full.

Licensed capacity by age group
Your license sets the maximum; infants need more staff per child than preschoolers.
Enrollment ramp
Centers often take 12 months or more to fill; mature centers run around 85% to 95% full.
Monthly tuition
Set by age group and local market; include subsidy-paid places at the subsidy rate.
Staff-to-child ratios
Set by your state; they decide how many teachers you need for each room.
Payroll
The biggest cost by far, commonly 55% to 70% of revenue.
Rent and food
Rent is often 10% to 15% of revenue; food and classroom supplies a few percent.

Questions

Is this for home daycares too?

Yes. Use one stream, set capacity to your license, and remove rent if you operate from home.

How do I handle subsidy payments?

Treat subsidy places as enrolled children at the subsidy rate, or split them into their own stream.

Why is year 1 a loss?

Because payroll starts before enrollment fills. That is normal for childcare; the reserve is there to carry it.

Will my lender accept it?

It includes what lenders commonly ask for: assumptions, year one by month, five annual years, the loan payment and DSCR, and sources and uses. Formats vary, so check your lender's list; every sheet is editable.

Does it work in Google Sheets?

Yes. Open the .xlsx in Google Sheets and every formula keeps working. It also works in Excel and LibreOffice.

Is it tax or legal advice?

No. It is a planning tool. Tax is a flat rate on profit; ask your accountant for your real rate.

Daycare Financial Projections Template

Available this week $39 one payment · instant download

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