Add places for the families on your waiting list.
The expansion of funded childcare hours in England has brought more demand, and more cash flow pressure, with council payments on their own timetable and staff costs rising. A business loan can fund new rooms, more staff and the gaps between payments.
- £10k to £1m for limited company nurseries
- New rooms, refurbishments, outdoor space and staff
- Help with the timing of funded hours payments
Full waiting list, tight cash flow.
A loan can fund a new room that pays back as places fill.
Working capital can bridge the gaps between council payments.
Funding staff costs up front lets you grow in the right order.
What lenders often look at for nurseries
Occupancy
How full you are, and how long your waiting list is, shows demand for new places.
Ofsted
Your rating and inspection history are often part of the picture.
Income mix
Funded hours and private fees are both considered.
Premises
Lease length or ownership matters for building work.
Is a business loan right for your business?
Usually a good fit
- Nurseries and childcare settings run as limited companies
- Usually 12 months or more trading
- Good occupancy or a waiting list
Harder to fund
- Childminders working as sole traders
- New settings with no trading history
- Recent poor inspection results
Not sure? That's what the call is for. If it isn't the right fit, your specialist will tell you and suggest what might work instead.
What happens after you enquire
Two minutes online
A few questions. We find your company on Companies House as you type.
A text from us
Straight away, with the name of the specialist who'll call you.
A short call
Usually within a working day. About 15 minutes on how your business trades.
Options in plain English
What is available, the full cost in pounds, and what they would need.
You decide
No obligation. Saying "not right now" is fine.
Questions from nurseries and childcare businesses
Yes. A working capital loan can bridge the time between delivering funded hours and the council paying.
Find out what your business could borrow.
Two minutes. Free. No hard credit check. One specialist, not ten calls.