Specialist finance for childcare centre acquisitions, freehold property, developments, fit-outs, equipment and working capital.
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Childcare finance is a core specialisation of 3LANE Finance. Whether you are acquiring an existing centre, purchasing a freehold, developing a new facility, funding a fit-out or securing working capital, we understand the lending requirements of the childcare sector.
Childcare transactions can involve significant investment in property, business goodwill, construction and fit-out.
Depending on the transaction, lenders may assess occupancy, approved places, centre performance, compliance & ratings, operator experience, lease terms, security, cash flow and fee revenue supported by Child Care Subsidy payments.
We assist first-time purchasers, established operators and multi-site groups.
Our understanding of lender policy, childcare operations and commercial structuring helps us identify suitable lenders and present each transaction around the information their credit teams require.
Through our panel of major banks and specialist non-bank funders, we compare suitable finance options and structure the application around your business, property and growth plans.
We assist:
Running a childcare centre is demanding enough without navigating a complex finance market. We help you find the right lender and structure your finance around the unique needs of your business.
Through our broad lender panel, we compare suitable options from major banks and specialist non-bank funders. Rather than being limited to one lender's products, we help you find a finance solution that's suited to your centre's circumstances and growth plans.
Childcare centres require significant investment in property and fit-out and operate within strict provider approval, service approval, staffing and Child Care Subsidy requirements. Lenders commonly assess occupancy, approved places, centre performance, operator experience, lease terms and CCS-supported revenue.
Not every lender has the same appetite for childcare businesses. Before you apply, we identify the lenders whose policies align with your circumstances, helping improve your chances of approval while avoiding unnecessary applications.
From your initial enquiry through to settlement, we manage the finance process on your behalf, liaise with the lender and keep you informed at every stage, so you can stay focused on running your childcare centre.
Childcare finance is assessed differently from a standard commercial property or business loan. The information required will depend on whether you are acquiring a business, purchasing a freehold, developing a new centre or refinancing an established operation.
Depending on the transaction, lenders may consider:
We identify these requirements early, address potential policy issues and prepare the application around the evidence the selected lender requires.
Whether you are operating, acquiring, developing or investing in a childcare centre, we structure the finance around the transaction, the property and the lender’s assessment requirements.
We manage the finance process from initial assessment through to settlement, coordinating the information, lender and transaction requirements.
We assess your objectives, financial position, childcare operations, security, timing and the type of funding required.
We review borrowing capacity, identify suitable lenders and compare structure, pricing, repayments, security requirements and policy considerations before submitting an application.
We prepare the finance submission, coordinate supporting information, respond to lender requirements and manage the application through approval and settlement.
Estimate indicative commercial loan repayments. Your actual borrowing capacity, equity requirement and finance structure will depend on the transaction, security and lender assessment.
Estimates only — not a quote, credit assessment or finance approval. Figures exclude fees and assume principal & interest repayments. Stamp duty uses NSW general rates, which are indexed and may change. Speak to a 3LANE broker for numbers specific to your situation.
Get a tailored assessmentBased in Marrickville, we support borrowers across Sydney and NSW — in person or remotely.
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Quick answers for clients comparing finance options.
Yes. We arrange business and commercial property finance for buying an established childcare centre, structured around its occupancy, provider and service approvals and trading history.
Yes. We arrange property, fit-out and business finance for new centres, allowing for the expected occupancy ramp-up period and initial working capital requirements where appropriate.
Lenders may review current and projected occupancy, approved places, fee levels, CCS-supported revenue, historical financial performance and forecast cash flow. The assessment will also depend on whether the transaction involves an established centre, a new centre or a multi-site operator.
Yes. We arrange fit-out and equipment finance for new and existing childcare centres, including works and equipment required to support regulatory, safety and operational requirements.
CCS-supported fee revenue can form an important part of a centre’s cash flow. Lenders may consider enrolments, attendance, fee collections and payment timing when assessing historical and forecast revenue.
We work with major banks, commercial lenders and specialist non-bank funders. The lenders considered will depend on whether you are acquiring a childcare business, purchasing a freehold, developing a new centre, funding a fit-out or refinancing an existing facility.
Yes. We can structure finance for site acquisition, construction, fit-out, equipment and associated development costs. The appropriate structure will depend on the project, approvals, valuation, equity contribution, builder, construction costs and proposed operating model.
In many cases, the lender pays us a commission when your finance settles. Some commercial, development or complex transactions may also involve a brokerage or advisory fee. Any fee payable by you will be disclosed and agreed in writing before we proceed.
Approval timeframes depend on the transaction, lender and complexity of the application. An established-centre acquisition may follow a different process from a freehold purchase or development facility. Once we review your financial information, approvals and transaction timetable, we can provide a more meaningful indicative timeframe.
Yes. We check in periodically to see whether your current rate, structure and features still suit your childcare centre and its financial needs, as you grow.
Whether you are acquiring a centre, purchasing a freehold, developing a new facility or refinancing an existing portfolio, speak with 3LANE Finance before you commit. We can assess lender appetite, funding structure and information requirements early in the process.
