I agree with the other posts, your experience can be your best asset when going to a bank, depending on how much money you need to start a day care maybe you can raise it. Were you looking at doing it out of your home or out of a center? Most people start a small home based daycare these days because of the tax savings, and then when the out grow the home then they look for a location out of the home, in doing his you shouldn't need much to do this except maybe some cash to get your home day care ready, maybe some money to purchase food which can come right out of your own pocket.

I am a business coach and consulting and would be happy to work with you, if your interested please give me a call.