Business finance
Business Loans For Child Care Centres
Working capital, equipment, and growth finance for child care centres — matched to your revenue and time trading, not a generic credit score.
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Australian trades
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Vetted partners only
How it works
Matched to the right lender in minutes
Tell us what you need
A few details about your business and what the finance is for. Takes under a minute.
We match you
We line you up with the right vetted lender for child care centres and your situation — no guesswork.
Get funded
Your lender takes it from there — approval and funds, sorted.
What you get
Built around your business
- Finance for equipment, stock, or working capital, explained without jargon.
- Lender matching based on your revenue and time trading, not a generic score.
- One simple application a broker runs for you.
How it works
Simple next steps
- 1Tell us what you need and how long you've been trading.
- 2We match it to lenders that fund businesses like yours.
- 3You compare the options and proceed only if one fits.
Important note
Good to know
No lock-in and no obligation. We only connect you with a partner if it genuinely helps — you decide whether to proceed.
Business finance
Financing for Child Care Centres
Centre finance tends to fund fit-outs, equipment and working capital. A playground upgrade, a room refresh, new furniture and resources, or a soft-fall and shade project can reach the ~$30,000 mark, and bigger expansions go well beyond. Because wages have to be paid on a fixed roster regardless of occupancy, a working-capital line helps cover the gap when fees and subsidy timing do not line up.
Common questions
Child Care Centres — business loan questions
Can finance help when subsidy and fee timing lag?
Yes. A working-capital facility bridges the gap between paying staff and receiving parent fees and subsidy payments, so payroll is never at risk. Cockatoo helps match you to a lender that understands centre cash flow.
Can I fund a playground or room upgrade?
Often yes. Outdoor equipment, soft-fall, shade and indoor fit-outs can be financed so you spread the cost rather than paying it all up front. Steady occupancy usually strengthens the application.
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Get matched to the right lender
Tell us what you need and we'll match you to the right partner — free, no lock-in, under a minute.