Kindergarten financing: fast and uncomplicated to the kita credit

If you want to start a kita or finance the real estate for a kindergarten in germany, there are many aspects to consider. Find out which financing channels are available for your project.

Who actually founds or finances a kindergarten? There are basically two options here: once the kindergarten operator and the real estate investor who provides the building for the kindergarten. In principle, anyone can act as the operator as a private sponsor. But the public sector can also act as a financier. Particularly in view of the current shortage of daycare places, it is more important than ever to also discuss the financing of these facilities. According to a study from 2018, germany is already lacking approximately 273.000 kita places. However, since there is a legal entitlement to a kindergarten place in germany, the construction and expansion of a daycare center is supported by funding programs. These can vary significantly from state to state, even from municipality to municipality. However, they offer a good opportunity to benefit from low interest rates and lower financing sums for your daycare center.

What is there to consider as an operator when financing a kindergarten?

Since the financing of kitas in germany differs greatly within the individual cities, there is no blanket answer here. If you're a provider looking to finance a daycare center, here are the main things to consider:

Tip 1: funding programs

In many cases, part of the financing is covered by a subsidy program or a subsidized loan for daycare centers. Often these options are not offered directly by the bank advisor, so actively ask whether you are entitled to a subsidy share. Alternatively: use an online platform to post your financing request. There, your entitlement to a subsidy share is checked directly and automatically taken into account in the financing solution.

Tip 2: grants from the federal government or the municipality

In addition, you can check whether you qualify for grants from the state or municipality by setting up a kindergarten. Depending on the municipality in which you want to build the daycare, it may be entirely possible to finance the project in part through such grants. In any case, you should carry out this check before going to your banking partner, so that you can already take this information with you into the conversation. Also include this information in your investment plan and adjust your final financing amount accordingly. Because when in doubt, the bank advisor does not know the exact guidelines and programs of your municipality. So be prepared.

Find the best financing for your daycare

You would like to finance a kita or are looking for a loan for a kindergarten? Our financing professionals have already helped many daycare centers obtain suitable financing.

Stefanie oehlenschlager, member of the board waldorfkindergarten gansweide e.V.
''I would not have thought that financing could be so uncomplicated.''

We will be happy to help you with your project and find the financier that fits your individual needs. Get free advice now and submit your non-binding inquiry for your kindergarten here:

Financing a kindergarten property

Kindergarten real estate

Often the kindergarten operator and property owner are different people. In most cases, daycare centers remain in a property for a long time. Here, long leases are a clear advantage for the landlord. This offers the real estate investor a long-term stable return on the capital invested in the property.

The right partner for kindergarten financing

Finding a suitable partner for financing the property can sometimes prove to be a very lengthy process. For this type of financing in particular, banks and financial service providers need a lot of information and documents for the preparation of an offer – and not every bank specializes in real estate financing. If you also want to compare several offers (which is definitely advisable), this process takes a lot of time and effort. Here, too, going online can help. Online platforms can provide relief at this point: with just one request, you can receive offers from various banks and save many hours comparing offers for your kindergarten. In addition, an independent advisor will review your financing proposal and can help you get a quick loan approval, provide tips or even prepare the entire financing plan for you. So the chance of a more favorable financing increases.