Finance classrooms, technology, vehicles, fit-outs, property and working capital for private schools, RTOs, early learning centres and education service providers.
Initial discussion and assessment only. A formal lender enquiry occurs only with your consent.
An established operator had a new centre ready but faced a tight fit-out schedule. We used enrolment demand and current trading performance to support the request, keeping the opening date intact.
Technology, furniture, buses, playgrounds and specialist teaching equipment.
Fund new sites, room upgrades and approved acquisition costs.
Manage enrolment timing, payroll and grant or fee collection cycles.
Education lenders assess enrolment stability, fee collection, government funding, occupancy, compliance and staff costs. Growth plans should be tied to realistic enrolment and utilisation assumptions.
Use asset finance for productive equipment with a multi-year useful life. Use working capital for a measurable timing gap. Use invoice finance where eligible B2B receivables are the main source of delay. Acquisitions and property require a broader structure and more due diligence.
We organise the information, test lender fit and keep the process moving.
Tell us what the money is for, the amount required, timing, turnover and any existing facilities.
We check cash flow, bank conduct, security and documents before choosing a sensible lender option.
We present the purpose, numbers and risks clearly so the lender can assess the deal without avoidable gaps.
We explain the structure, total cost, conditions and trade-offs before you decide whether to proceed.
Options may exist, but lenders usually require stronger owner experience, equity, security or contracts because there is less trading evidence.
Often yes, subject to asset age, condition, valuation and the lender’s remaining-useful-life policy.
Not automatically. Lenders assess the amount, cause, compliance with the plan and whether the new debt improves or worsens the position.
Start with identification, business bank statements, financial statements, debt schedule and evidence of the purchase, contract or cash flow need.
Tell us what you are funding, the amount required and the timing. We will explain the realistic options before you choose whether to proceed.