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Philadelphia ECE Loan Fund


Reinvestment Fund offers flexible and low-interest loans to early childhood education providers in Philadelphia to maintain high-quality early learning environments.

About the Phila ECE Loan Fund

The Philadelphia Early Childhood Education Loan Fund offers early childhood education providers in Philadelphia the ability to maintain quality, sustain unforeseen circumstances, and build out better financial practices. These loan funds are structured to offer maximum flexibility through below-market, fixed interest rates; flexible repayment provisions (including fully amortizing loans that do not constrain operator cash flow and carry no prepayment penalties); and minimal collateral requirements.   

Loans from $5,000 to $50,000* are available to support a broad base of working capital needs and facility improvements or upgrades.

Interested applicants should complete a contact sheet and provide information about their proposed project. Please email the completed form to  

* A very limited number of loans greater than $50,000 may be made available on a case-by-case basis for facility improvements or as a short-term bridge loan for contracted slots, but will need to meet additional criteria.

Fund for Quality
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Childcare Map
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ECE Impact Stories
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All loan applicants must meet the following program requirements:

  • Existing high-quality operator (Keystone STARS 3 and 4) or Keystone STARS 2 operator actively participating in PHLpreK or other move-up initiatives
  • Non‐profit or for‐profit organization
  • Licensed Child Care Center, Group Child Care Home or Family Child Care Home
  • Currently serving low‐income populations (defined as client population of at least 50% Child Care Works subsidy, or waitlist subsidy, Head Start/Early Head Start, or Pre‐K Counts, or PHLpreK) 
  • Positive attendance trends and strong business plan 


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To Apply

Applications will be accepted on a rolling basis. Interested applicants must complete a Contact Sheet and provide information about their proposed project. Please email the completed form to

Contact Sheet

For more information, contact Karen Bustard