--- title: "Capital Landing page" id: "27788" type: "page" slug: "capital" published_at: "2026-11-03T18:29:36+00:00" modified_at: "2026-11-03T18:32:43+00:00" url: "https://mybrightwheel.com/capital/" markdown_url: "https://mybrightwheel.com/capital.md" excerpt: "What will you do with your funding? Flexible capital gives you more ways to invest in your program. Bridge tuition gaps Cover rent, utilities, and payroll during low-enrollment months or summer breaks. Classroom purchases Invest in whiteboards, projectors, music instruments,..." --- # #1 childcare software ## Access to funding, built for childcare providers ## Access to funding, built for childcare providers Brightwheel Capital gives eligible programs access to fast, flexible funding. ## Trusted by millions of educators and families ![brightwheel reviews](https://mybrightwheel.com/wp-content/themes/_brightwheel/img/social-proof-stars.webp "brightwheel reviews")4.9 | 160,000+ reviews - ![Apple Store](https://mybrightwheel.com/wp-content/themes/_brightwheel/img/apple-2.png) - ![Google Play](https://mybrightwheel.com/wp-content/themes/_brightwheel/img/google-play-2.svg) - ![Capterra](https://mybrightwheel.com/wp-content/themes/_brightwheel/img/capterra-2.svg) - ![G2 Leader](https://mybrightwheel.com/wp-content/themes/_brightwheel/img/g2-leader.webp) - ![Cloud 100](https://mybrightwheel.com/wp-content/themes/_brightwheel/img/cloud-100.webp) - ![Capterra Best](https://mybrightwheel.com/wp-content/themes/_brightwheel/img/cap.webp) ## Financing that moves as fast as your program does ![An icon image of conversations that represents the messaging feature of brightwheel.](https://mybrightwheel.com/wp-content/uploads/2026/09/Capital-apply-icon.png "Real-time messaging")### Apply in a few clicks Eligibility is based on your program’s payment volume and history in brightwheel, not a stack of forms. ![An icon image of classroom that represents the communication feature of brightwheel.](https://mybrightwheel.com/wp-content/uploads/2025/09/invoice-billing-7-300x300.png "Easier staff communication")### Funds in as soon as 2 business days, if approved Skip the wait for a financing decision. If approved, capital is deposited directly into your bank account. ![An icon image of heart that represents the communication feature of brightwheel.](https://mybrightwheel.com/wp-content/uploads/2026/09/capital-auto-pay-icon-1.png "SMS alerts and newsletters")### Pay automatically as tuition comes in* Payments are a fixed percentage of your incoming tuition, so you pay more when it’s busy and less when it’s slow. ![An icon image of light bulb that represents efficiency driving tools in brightwheel.](https://mybrightwheel.com/wp-content/uploads/2024/02/centalized.png "Centralized communication")### All-in-one childcare platform Manage financing alongside billing and payments, messaging, admissions, and more—all in the same place. ![An icon image of conversations that represents the messaging feature of brightwheel.](https://mybrightwheel.com/wp-content/uploads/2026/09/Capital-apply-icon.png "Real-time messaging")### Apply in a few clicks Eligibility is based on your program’s payment volume and history in brightwheel, not a stack of forms. ![An icon image of classroom that represents the communication feature of brightwheel.](https://mybrightwheel.com/wp-content/uploads/2025/09/invoice-billing-7-300x300.png "Easier staff communication")### Funds in as soon as 2 business days, if approved Skip the wait for a financing decision. If approved, capital is deposited directly into your bank account. ![An icon image of heart that represents the communication feature of brightwheel.](https://mybrightwheel.com/wp-content/uploads/2026/09/capital-auto-pay-icon-1.png "SMS alerts and newsletters")### Pay automatically as tuition comes in* Payments are a fixed percentage of your incoming tuition, so you pay more when it’s busy and less when it’s slow. ![An icon image of light bulb that represents efficiency driving tools in brightwheel.](https://mybrightwheel.com/wp-content/uploads/2024/02/centalized.png "Centralized communication")### All-in-one childcare platform Manage financing alongside billing and payments, messaging, admissions, and more—all in the same place. ## What will you do with your funding? Flexible capital gives you more ways to invest in your program. ![Bridge tuition gaps](https://mybrightwheel.com/wp-content/uploads/2026/09/1.-Bridge-tuition-gaps.jpg) ### Bridge tuition gaps Cover rent, utilities, and payroll during low-enrollment months or summer breaks. ![Classroom purchases](https://mybrightwheel.com/wp-content/uploads/2026/09/3.-Classroom-purchases.jpg) ### Classroom purchases Invest in whiteboards, projectors, music instruments, and learning materials. ![Staff hiring](https://mybrightwheel.com/wp-content/uploads/2026/09/4.-Staff-hiring.jpg) ### Staff hiring Hire ahead of enrollment to be ready when new families arrive. ![Launch new programs](https://mybrightwheel.com/wp-content/uploads/2026/09/5.-Launch-new-programs.jpg) ### Launch new programs Fund summer camps, enrichment programs, and more without dipping into reserves. ![Upgrade facilities](https://mybrightwheel.com/wp-content/uploads/2026/09/6.-Upgrade-facilities.jpg) ### Upgrade facilities Renovate kitchens, bathrooms, HVAC, or outdoor play spaces to improve your program. ## How it works iThe numbers below use a $20,000 offer as an illustration. Your actual amount may vary. 1 ### Get access to funding fast Apply in minutes. If your application is approved, funds are deposited into your account in as soon as 2 business days. Example: $20,000 deposited to your account 2 ### Pay one fixed fee over time The total financing amount is the financing amount plus one fixed fee, paid over time through your tuition payments. There is no compounding interest, early payment fee, or late fee. Example: $20,000 + $2,000 flat fee = $22,000 total 3 ### Pay automatically through tuition payments in brightwheel A percentage of each incoming payment is deducted until the total financing amount is paid, so you pay faster when business is busy and less if things slow down. There is a minimum amount due each payment period — if your tuition payments don't cover it, the remainder is automatically deducted from your bank account. Example: 15% withheld from every transaction until $22,000 is paid ![Image](https://mybrightwheel.com/wp-content/uploads/2026/09/139555.jpg "139555") > "The brightwheel Capital process was quick and easy to understand. The funds came in 2 business days after I was approved. I love the portal and how I can track payments. Definitely the smoothest process ever." > > **Martha Medina** > Exceptional Children Learning Center > Georgia Free calculator ## See what running things manually is actually costing you Time, paperwork & printing, and late payments add up fast. See what it’s costing you — and how much you could save. Enrolled children30 children Staff members4 staff members Count yourself too Average staff hourly rate$18 / hour Families who pay late each month30% of families Most programs say it's more than they'd like How do most families currently pay you? Affects reconciliation & follow-up time per family Cash or checkVenmo / ZelleMix of everything Calculate my savingsBased on typical center operations — adjust inputs to personalize. ## See how much you could save with a digital solution Here’s where your time and money are going every month — and what switching to brightwheel puts back in your hands. Annual savings $— Based on — $—per month Recovered in cycle 1 — hrs Admin time saved / mo $— Late payment / mo $— Paper & printing / mo Check-in & sign-out**— hrs** Chasing late payments**— hrs** Forms, reports & filing**— hrs** Most programs are live and saving within 2 weeks. A brightwheel specialist will give you a customized demo for your center size. [Get a demo](/demo/) How we calculated this Estimates reflect separate, non-overlapping tasks. Estimated monthly savings = time on admin tasks × hourly rate + paper costs. Late payment cash flow is shown separately. Check-in/out: (children × 1.25 min × 2 directions × 22 days) / 60. Late payment follow-up: late families × billing mins / 60 (Cash/check: 15 min, Mix: 10 min, Venmo: 7 min). Forms & admin: ((15 min/day) + (2 min/day × staff) + (1 min × children)) / 60, capped at 80 hrs/month. Paper cost: children × $3/month. Annual savings = monthly × 12. Subscription cost is excluded from this estimate. Recalculate ## Frequently asked questions about brightwheel Capital ### What determines eligibility for brightwheel Capital? Eligibility is based on a number of factors, including your program’s transaction volume and history with brightwheel. Once you’re a brightwheel customer processing payments through the platform, your account is automatically reviewed — no separate application needed. ### What does my offer include? Each offer outlines the financing amount, a flat fee (no other fees, no compounding interest), the total amount owed, and a payment rate — the percentage of your daily brightwheel card transactions withheld to pay your balance. ### Can I receive more than one offer to choose from? Yes. If eligible, you’ll receive personalized offers and can choose the one that works best for your business. ### How quickly will I receive funds if I'm approved? If approved, funds are typically deposited into your bank account in as soon as one to two business days, along with your usual payout. ### How does payment work? You automatically pay your financing through a percentage of your daily card transactions, based on your payment rate. Payments typically begin one to two business days after funds are deposited. The more transactions you process through brightwheel, the faster you pay it down. ### What happens during a slow month? When business slows down, your automatic payments adjust accordingly. That said, brightwheel Capital loans have a minimum amount due each payment period — if what’s withheld doesn’t meet that minimum, your bank account will be automatically debited for the remaining amount at the end of the period. ### Can I pay off my balance early? Yes. You can pay your total amount owed in full at any time, with no additional fees for paying early. ### What does brightwheel Capital cost? Each offer includes a flat fee in exchange for the financing amount. There are no other fees and no compounding interest. Your total amount owed is the financing amount plus the flat fee, and that total doesn’t change. ### Are there fees for paying early? No. There are no additional fees for early or manual payments. ## Brightwheel is designed with you in mind ![Icon image that represents a childcare center, preschool, or family child care program.](https://mybrightwheel.com/wp-content/uploads/2022/08/administrators-directors.svg "Efficiently run your program, from in-home to center-based, single-site and multi-site.")### Administrators & directors Manage enrollment, billing, payroll, communication, and business from the brightwheel app. [Learn more](https://mybrightwheel.com/childcare-management-software/) ![Icon image that represents childcare center management tools in brightwheel.](https://mybrightwheel.com/wp-content/uploads/2022/08/teachers-staff.svg "Easily manage daily tasks, from check-in and activities, to messaging with families.")### Teachers & staff Easily manage daily tasks, from check-in and activities, to messaging with families. [Learn more](https://mybrightwheel.com/childcare-management-software/) ![Icon image that represents parent-teacher communication tools in brightwheel.](https://mybrightwheel.com/wp-content/uploads/2022/08/parents-guardians.svg "Stay connected to your child's learning with messaging and easily set up online payments.")### Parents & guardians Stay connected to your child's learning with messaging and easily set up online payments. [Learn more](/solutions/parents/) ## Explore the latest resources about ECE financial management - Business - Blog post ### Daycare Startup Budget: First Year Financial Planning Plan your daycare startup budget and learn essential first-year financial strategies, including startup costs, revenue projections, and expense management for childcare providers. [Read Now](https://mybrightwheel.com/blog/daycare-startup-budget) - Business - ECE Industry - Blog post ### Best Childcare Billing Software: 6 Options Compared for Directors See how brightwheel compares to Procare, Playground, Famly, Lillio, and LineLeader on childcare billing features like automated invoicing, deposit speed, and subsidy tracking. [Read Now](https://mybrightwheel.com/blog/best-childcare-billing-software) - Business - Blog post ### How to Manage Daycare Tuition Payments: Complete Guide + Template Collecting tuition should take minutes a week, not hours. Learn the seven-step system for getting daycare tuition paid on time — plus a free payment policy template. [Read Now](https://mybrightwheel.com/blog/daycare-payment-policy) ### Tour the easiest all-in-one childcare and preschool app Stripe Capital offers financing types that include loans and merchant cash advances. All financing applications are subject to review prior to approval. In the US, Stripe Capital loans are issued by Celtic Bank, and YouLend provides Stripe Capital merchant cash advances. See your Dashboard for the terms of your offer. *Stripe Capital loans have a minimum amount due each payment period, and if the minimum amount that you pay through sales doesn't meet the minimum your account will be automatically debited the remaining amount at the end of the period. If your loan has a fixed payment, Stripe stops withholding from your Stripe sales when you meet the fixed payment amount. The payment terms for your offer will be detailed during the application process.