ECE Loan Fund

ECE Loan Fund is sponsored by Reinvestment Fund. Flexible, low-interest loans to early childhood education providers in Philadelphia, Pennsylvania to offer short-term bridge loans to PHLpreK contracts and assist with facility improvement needs.

Philadelphia ECE Loan Fund — Reinvestment Fund Grants and resources available for Early Childhood Education projects HBCU Brilliance Initiative Targeted financial support for Historically Black Colleges and Universities Food justice grants serving Philadelphia and the national HFFI program PA Coronavirus Small Business Assistance Program Social Determinants of Health Initiatives including national Invest Health and regional Building Healthier, More Equitable Communities in NJ Early Childhood Education Historically Black College and Universities (HBCU) Investing in projects that are both targeted and transformative Financing for a variety of project needs Financing for a broad variety of projects from solar to energy-efficient retrofits Financing that supports small scale housing developers New Markets Tax Credit (NMTC) Leveraging private-sector equity and loan capital investment Aligning public investment and high impact services Lending & Investment Team Early Childhood Education Historically Black College & University (HBCU) A commitment to build strong, healthy, more equitable communities National reach with offices in Atlanta, Baltimore, and Philadelphia What guides us as an organization Our founding, history and our industry Current career opportunities Meet our Board of Directors Concrete and measurable results Invest with us Nationally Options for individuals starting at $1,000 Invest with us in Philadelphia Investments towards enhancing the Philly region Supporting data-driven, strategic decision-making and investment to strengthen communities An analytic tool to guide neighborhood revitalization and equitable development strategies Limited Supermarket Analysis A tool to understand and address inequitable access to fresh and healthy food Housing Research and Analysis Quantitative and qualitative analyses on topics such as fair housing and eviction and foreclosure prevention Early Childhood Education Analytics Data-driven approaches to reducing gaps in access to high quality early learning Find our latest field-building research and reports Philadelphia ECE Loan Fund The Philadelphia Early Childhood Education Loan Fund offers flexible and low-interest loans to early childhood education providers in Philadelphia to maintain and improve high-quality early learning environments.

About the Philly ECE Loan Fund The Fund offers loans generally of up to $50,000 for: Facility improvement projects: Medium-term funding for on-site facility improvements Bridge to contract: Short-term bridge loans to PHLPreK contracts in the fall Debt refinance: Medium-term loan to refinance high interest business debt Licensed center, group, or home child care provider in Philadelphia Keystone STAR 3 or 4 provider (Or STAR 2 provider participating in PHLpreK or other move-up initiatives) Non‐profit or for‐profit organization Currently serving low‐income population (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 Applications for facility loans are open and accepted on a rolling basis, see below for details!

(Inquiries for bridge loans will be accepted each August). We are able to process a limited number of loans each fall. Loans are reviewed on a first come basis.

Providers accepted for PHLpreK for 2026-27 may apply for short-term bridge loans to help sustain cash flow during the fall. Providers may apply for a loan equal to up to 2. 5 months (25%) of their PHLpreK contract.

Loan repayments will align with the first six PHLpreK reimbursements. The loan must be fully repaid by April 1. Applications will be available August 5th.

Apply here . Application Process and Documents Fall 2026 PHLpreK Bridge Loans – coming soon PHLpreK Bridge Loan Example Facility Improvement Loan If you are interested in a loan for facility improvements , please complete a Contact Sheet and provide information about your proposed project. Please email the completed form to k a r e n .

b u s t a r d @ r e i n v e s tm e n t . c o m. High Interest Debt Refinance This Fund can also help providers refinance high-interest business debt (such as from credit cards or online lenders).

If you are interested in a loan to refinance debt , please complete a Contact Sheet and provide information about your proposed needs. Please email the completed form to k a r e n . b u s t a r d @ r e i n v e s tm e n t .

c o m. Application Process and Documents for Fall 2025 PHLpreK Bridge Loans PHLpreK Bridge Loan Examples Enrollment History Template (facility loans) Program Staffing Info (facility loans) Operating Projections Template (facility loans) For More Information, Contact: Director, Early Childhood Education