A happy daycare owner stands in an updated play area made possible with Gate City Bank’s BetterLife™ Child Care Business Loan

Grow Your Business With BetterLife™ Child Care Loans.

As a licensed daycare provider who encourages dreams, you shouldn’t be limited in your own. That’s why we offer our one-of-a-kind BetterLife™ Child Care Business Loan,1 exclusively created to support your business growth.

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Your business is designed to inspire giggles, clean up happy messes and care for little ones – not spend time worrying about how to afford more help or purchase key equipment. The BetterLife™ Child Care Business Loan is uniquely designed with small business owners like you in mind, featuring:

Below-Market Rates

Enjoy reduced payments with fixed interest rates as low as 2.02% APR.2

No Origination Fees

Experience a more affordable process.

Longer Term Loans

Customize a payment plan that fits your business.

Growing Kiddos and Communities.

The goal of supporting communities and helping businesses thrive has always been top of mind for us at Gate City Bank, which is why we were driven to help address the real-world need for child care availability. After launching the BetterLife™ Child Care Business Loan in 2022, we’re happy to say that it has positively impacted small businesses like yours across the region in a big way:

$5M
in Loans Provided
$1.2M
in Interest Saved
$5M
Added in 2025
A Game-Changer for Child Care

“The BetterLife™ Child Care Business Loan has truly been a Godsend for our mission. Its low rate was a game-changer, allowing us to open a new space at a time when we never dreamt it could be possible. Gate City Bank’s first-class service and cost savings have been key to making our tuition-free model a reality, and we’re more excited about the future than ever."

Bryan Wilburn professional headshot
Bryan Wilburn
President of St. Monica’s Montessori
: a rendering of El Way Child Care and Learning Center, a daycare Gate City Bank partnered with to secure multiple loans

An Answered Prayer
for Day Care.

Upon hearing that a local couple suddenly felt called to open a much-needed daycare, learn how one of our business lenders went to extraordinary lengths to see the project through.

a happy mom at the kitchen table uses a laptop to secure a Gate City Bank business loan as her daughter smiles nearby

Better Checking
by Your Side.

No matter the size of your venture, we’re with you, ready to deliver a customized checking account option that’s carefully designed with your unique business needs in mind.

1 Terms and conditions may apply.

2 Rates as low as 2.02% APR (annual percentage rate) for child care loans of up to 60 months. Terms and conditions apply. Rates subject to change. Example: A $50,000 child care loan at a 2% interest rate for 60 monthly payments of $876.97 will have a 2.02% APR.