Private Lending for Childcare Centres

Acquire, expand or refinance your childcare business with fast, flexible finance. At Innovate Funding, we specialise in private lending for childcare centres, early learning facilities and preschool operators. Our loans are asset-backed, NCCP-exempt, and can settle in 2 to 3 business days, giving you the agility banks cannot match.

Why Choose Innovate Funding

- Indicative approval in approximately 24 hours

- Entity-only business loans (NCCP-exempt)

- Minimal documentation — ID, council rates, existing debt statements

- LVRs up to 75% on childcare freehold or investment property

- Australia-wide coverage – NSW, VIC, QLD, SA, WA, TAS and ACT

Typical Loan Parameters

Example scenario

Sydney, NSW: An operator expanded an existing childcare centre using a $1,800,000 first mortgage at 70% LVR. Indicative approval in 24 hours, settlement in 8 days, refinanced to a bank after DA approval.

Contact Innovate Funding

Speak with a lending specialist for an indicative offer today.

Address: 45 Denison Street, Bondi Junction NSW 2022

Phone: 02 8919 3639   

Email: deals@innovatefunding.com.au

Frequently asked questions

1) How fast can childcare loans settle?

Usually within 2 to 3 business days once valuation and documents are complete.

2) What documents are required?

ID, council rates notice and statements of existing debts.

3) Can I use an existing centre as security?

Yes – both freehold and investment properties are acceptable.

4) Are loans NCCP-exempt?

Yes – all loans are business-purpose and entity-based.

5) Do you fund new centre acquisitions?

Yes – we finance purchases, refurbishments and expansions