Nurseries/Childcare

Specialist funding for nurseries, day-care centres, and early years providers across the UK

What Is Nursery & Childcare Finance?

Nursery and childcare finance refers to a range of tailored funding solutions designed to support the acquisition, growth, or improvement of childcare businesses. Whether you’re starting your first nursery, expanding to a second site, or improving your premises, the right finance can help you unlock your full potential.

At The Funding Group, we work with lenders who understand the regulatory environment, staffing requirements, and seasonal cash flow challenges faced by early years providers. We’re here to help you secure flexible, affordable finance that supports long-term success.

Types of Nursery & Childcare Finance

We offer a broad range of funding solutions designed specifically for the early years sector:

Nursery Acquisition Loans

Finance to purchase an existing nursery or day-care business, whether as a first-time buyer or a growing group.

Start-Up & First-Time Owner Loans

Support for qualified childcare professionals launching their first setting.

Refinance & Equity Release

Restructure existing debt, release working capital, or reduce monthly repayments.

Fit-Out & Refurbishment Loans

Capital to upgrade interiors, expand classrooms, improve outdoor spaces, or meet Ofsted requirements.

Working Capital Loans

Support with staff wages, marketing, tax payments, or short-term operational costs.

Equipment & Asset Finance

Spread the cost of furniture, IT systems, educational tools, or security equipment.

Typical Terms & Key Features

  • Loan sizes: £25,000 to £5 million+

  • Terms: 1 to 20 years (depending on funding type)

  • Rates: Fixed or variable, highly competitive

  • Security: Secured and unsecured options available

  • Turnaround time: Indicative offers within 48 hours; funding in 5–10 days

  • Repayment flexibility: Monthly, seasonal, interest-only or stepped options

We support Ofsted-registered providers, private day nurseries, Montessori settings, and multi-site childcare groups.

Who Can Use Nursery Finance?

Funding is available to:

  • Nursery and day-care business owners

  • Early years professionals and first-time buyers

  • Investors acquiring or scaling a childcare group

  • Franchisees of national nursery brands

  • Operators needing cash flow support or refinancing solutions

  • Business owners planning site refurbishments or expansion

Benefits of Nursery & Childcare Finance

  • Secure fast funding for acquisition or expansion

  • Improve cash flow and navigate seasonal demand cycles

  • Refurbish or upgrade your setting to meet parent expectations

  • Preserve capital while investing in business growth

  • Access industry-aligned lenders who understand the childcare sector

  • Enjoy tailored repayment options built around your income model

Why Choose The Funding Group?

We work with a trusted panel of over 100 UK lenders, many of whom specialise in funding for the early years sector. Our team takes the time to understand your setting, your goals, and your long-term ambitions.