Open a crèche parents trust, with numbers a bank will take seriously
You love children. You can see the demand around you. Mothers in your street are returning to work, the nursery closes at 1pm, and nobody they trust is free to keep their baby until 6pm.
But a good heart does not get you a loan. Before a bank, a cooperative or a grant panel gives you a kobo, they want to know three things: how much you need, how you will make money, and how you will pay them back.
This Daycare Business Plan answers all three for you, with current 2026 Lagos fees, rents and salaries, in files you can edit and submit as your own.
What changes when you have this plan
| Before | After |
|---|---|
| Guessing what to charge parents | Fees set against real Lagos crèches, from ₦50,000 to ₦95,000 a month |
| No idea how many caregivers to hire | Clear ratios (1 to 4 babies, 1 to 6 toddlers) and a staff rota |
| “How much do I need?” with no answer | A full ₦16.7 million budget, line by line, that you can resize in Excel |
| Afraid the money runs out in month three | 36 months of cash flow, a cash reserve and your break-even month |
| The bank asks questions you cannot answer | Lender-ready ratios: debt service covered 2.8 times in Year 1 |
What you get: four tools in one download
- Business Plan (Word and PDF): 52 pages, 11 chapters, 13 editable charts. Market analysis with cited Nigerian data, real competitors, services and fees, operations, staffing, risks, funding request and three-year financials. Ready to submit once you add your details.
- 3-Year Financial Model (Excel): 36 months of projections built on the SCORE template lenders know. Change the number of places, fees, rent, staff or loan and every statement updates: income statement, cash flow, balance sheet, break-even and debt service cover.
- Buyer Customisation Guide (PDF): a step-by-step guide that shows you exactly how to edit the model and the plan, what to check before you submit, and a simple 7-day path to a finished plan.
- Startup Checklist (Excel): 61 launch tasks from CAC registration, Lagos State day care registration, childproofing and staff checks to your first 90 days, with costs and a progress tracker.
The numbers inside the plan
- Total project cost: ₦16.7 million for a lean, rented centre with 62 places (12 babies, 26 toddlers, 24 after-school children).
- Revenue: ₦36.0 million in Year 1, rising to ₦55.0 million in Year 3, with fees held flat.
- Net profit: ₦1.9 million in Year 1 and ₦11.9 million by Year 3.
- Break-even: monthly revenue passes break-even in month five.
- Payback: about 1.8 years.
- Tax: built on the Nigeria Tax Act 2025 small company rules.
Planning a smaller or bigger centre? Change the places, rent and equipment in the Excel model and the whole plan resizes to your budget.
Built on today’s Nigeria, not a copied 2019 plan
- Current Lagos crèche fees, rents, caregiver salaries, solar and CCTV prices.
- The Lagos State Ministry of Youth and Social Development day care registration, fire safety, staff checks and data protection rules.
- CBN interest rate and inflation as at late 2026, and the Nigeria Tax Act 2025.
- Real competitors named, with how to position against them.
- Stress tests: what happens if enrolment is 20% lower or fees 10% lower, and how the centre still recovers.
Who this plan is for
- Mothers, teachers and couples starting a crèche, daycare or after-school club.
- Nursery and school owners adding a crèche section.
- Founders applying for a bank, microfinance or cooperative loan, a grant or an investor.
- Students and consultants who need a solid daycare business plan sample.
Written by a business plan expert who wins funding
This plan was created by Utibe Etim, founder of Etimate Global Services, with more than 10 years writing business plans, over 1,200 custom plans written and more than 5,000 readymade plans sold. He is a Tony Elumelu Foundation mentor and a winner of the YouWiN, Kickstart and Lagos State Empowerment Fund grants, and more. You get the same standard he uses for paying clients, at a fraction of the cost.
How it works
- Pay securely and download the five files instantly.
- Read the Buyer Customisation Guide (it takes about 20 minutes).
- Change your fees, places, rent and funding in the Excel model.
- Replace the sample company details with yours and submit.
Frequently asked questions
Can I edit the plan?
Yes. The plan is in Word and the financial model is in Excel. Every number, chart and page can be changed, and the guide shows you how.
Can I use it outside Lagos?
Yes. Change the rent, fees and salaries in the model to match your city and the plan updates. The structure works anywhere in Nigeria.
Is it good enough for a bank or grant application?
It is built to the standard banks and grant panels ask for: a full budget, three-year projections, break-even, debt service cover and a risk plan. Add your own details and it is ready to submit.
How do I receive the files?
Instantly after payment, as downloads from your account and in your order email.
Can you personalise it for me?
Yes. Send a WhatsApp message to 07031542324 and we will tailor the plan and model to your name, location, size and funding target.
Start your crèche with confidence
Stop guessing. Get the full plan, the Excel model, the guide and the checklist today for ₦16,125 (regular price ₦32,500) and walk into the bank with numbers that hold up.
Questions before you buy? Call or WhatsApp 07031542324.
Read our free guide: How to start a daycare in Nigeria in 2027.
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