A broad lender panel
We compare suitable options across major banks, second-tier lenders and specialist non-bank funders, subject to lender policy and eligibility.
Industry
Education Services
Finance for independent schools, tutoring centres and specialist education businesses acquiring premises, investing in technology, managing cash flow or expanding.
Plan the next stage of your education business
Education businesses often need to commit to premises, technology, staff and learning resources before enrolment fees and other revenue are received. This timing gap can place pressure on cash flow, even where demand and enrolments are growing.
3LANE Finance helps independent schools, tutoring and learning centres, education consultancies, student-support providers and other specialist education businesses compare finance for property, fit-outs, equipment, working capital, acquisitions and expansion.
We review how your organisation earns revenue, when that income is received and what the next stage requires. We then assess lender appetite, servicing, security and facility structure before presenting the application to lenders suited to the scenario.
Why choose 3LANE Finance
Education businesses are assessed on more than their latest financial statements. Revenue timing, enrolment trends, payroll, occupancy costs, management experience and the purpose of the funding can all influence the lender and structure available.
An assessment built around your revenue model
We consider fee and receivables timing, enrolment trends, contracts or grants where relevant, operating costs and the investment required to support growth.
The structure is tested before you apply
We compare lender appetite, servicing, security requirements, loan terms and repayment options before recommending a path forward.
One point of contact from enquiry to settlement
We prepare the application, coordinate supporting information, respond to lender questions and keep you informed throughout the process.
How we help
We structure finance around the purpose of the funding and the way your organisation generates cash flow, whether you are strengthening an established operation, acquiring premises or preparing for expansion.
- Commercial property finance for education premises and owner-occupied facilities
- Fit-out and refurbishment finance for classrooms, learning centres and administration areas
- Equipment and technology finance for computers, interactive systems, furniture and other eligible assets
- Working-capital finance to manage timing differences between operating costs and incoming revenue
- Business acquisition and expansion finance for additional locations or complementary services
A clear path from enquiry to settlement
A structured finance process that identifies lender requirements early and keeps the application focused.
01
Understand the scenario
We review your business model, financial performance, revenue timing, security, funding purpose and plans for the business.
02
Shape the finance strategy
We compare lender appetite, facility structures, repayment options and information requirements before you apply.
03
Manage the application
We prepare the application, coordinate the supporting information and manage the lender through approval and settlement.
Run the numbers
Estimate repayments and borrowing capacity for your education business. Calculations are indicative only; your broker will confirm the figures and applicable lender criteria.
Monthly repayment$4,497
Fortnightly$2,075
Weekly$1,038
Total interest$868,786
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 assessmentFAQs
Quick answers for clients comparing finance options.
Potentially, yes. Available options depend on factors such as trading history, cash flow, funding purpose, security and lender policy. We assess these factors before recommending a lender and facility structure.
We can assess finance requests from independent schools, tutoring and learning centres, education consultancies, student-support providers and other specialist education businesses. The available options will depend on the business model and lender eligibility.
Yes, subject to lender assessment. We can compare commercial property finance for owner-occupied education premises, including a purchase, refinance or eligible property improvements.
Yes. Depending on the expenditure and the lender, finance may be available for fit-outs, furniture, computers, interactive systems and other eligible business assets.
In some cases, working-capital or cash-flow facilities can help manage timing differences between operating expenses and incoming revenue. Approval depends on the strength and predictability of the underlying cash flow.
Potentially. Lenders will generally consider the performance of the existing business, the cost and timing of the expansion, management capacity, projected cash flow and available security.
Yes, subject to lender policy and due diligence. We can assess the purchase price, historical earnings, proposed ownership structure, borrower contribution and security to identify suitable funding options.
Requirements vary, but commonly include your latest financial statements, tax returns, bank statements, details of existing debts, enrolment or revenue information, forecasts, contracts where relevant and a clear breakdown of how the funds will be used.
We compare suitable options across our panel of major banks, second-tier lenders and specialist non-bank funders. The lenders considered will depend on your circumstances, finance purpose and eligibility.
A lender may pay us commission when a loan settles. Some commercial or complex assignments may also involve a client fee. Any fee payable by you will be disclosed and agreed in writing before we proceed.
Talk to 3LANE
Talk to a broker
Whether you are purchasing premises, investing in facilities, managing cash flow or expanding, we will assess the scenario and compare suitable finance options.