How long does it take to get approval?
Once we receive your application and any required information, approval is usually within 24 hours — often just a few hours.
Benefits
Why childcare centres choose ChildCare Funders
Funding designed around the way Ministry of Education bulk funding actually works — so your centre never has to slow down because of cash flow.
Cashflow support between payments
The Ministry pays in three big chunks a year. We bridge the gap so wages, rent and supplier invoices never wait.
Funding to grow or expand
Open a new centre, upgrade your playground, or fund acquisitions without holding back the things that grow your roll.
Flexible drawdown, your way
Take just what you need, when you need it. No drawing a big lump sum you don't yet need.
Industry expertise
We only fund childcare. We understand bulk funding, rolls, licensing and seasonal cash flow — so you don't have to explain it.
No lock-ins or hidden fees
No annual fees, no setup costs, no fixed contracts. Use us when you need to, walk away when you don't.
Same-day decisions
Most childcare centres are approved within 24 hours. Funds in your account the same day approval comes through.
One flat fee
Simple, honest pricing
No ongoing fees. No fixed contracts. Use only what you need, and pay only for what you use. Our fees are the best in the New Zealand childcare finance market.
Up to 1 month$375 per $5,000 advanced
Between 1 and 2 months$475 per $5,000 advanced
Between 2 and 3 monthsAsk for special rates
Between 3 and 4 monthsAsk for special rates
All advances are repaid automatically from your next Ministry of Education bulk funding payment.
Frequently Asked Questions
What childcare operators ask before their first advance.
Can any childcare centre use this service?
Yes. Any licensed childcare centre or home-based provider in New Zealand can apply, as long as you receive Ministry of Education bulk funding payments.
How is the advance repaid?
The advance is repaid automatically from your next Ministry of Education bulk funding payment. There's nothing manual for you to do.
Do I need to provide property security?
No. Unlike banks, we don't require personal property charges or asset valuations. The advance is secured against your upcoming Ministry payment.
Are there ongoing fees or contracts?
No ongoing fees and no fixed contracts. You use us only when you need to, and pay only for what you take. One honest flat fee per advance.
How early can I draw down?
You can access funding up to 3 months before your next Ministry of Education bulk funding payment (1st March, 1st July or 1st November).
Ready to put your next Ministry payment to work?
Apply online in 5 minutes. Most centres are approved and funded within 24 hours.
150+ NZ centres funded since 2016
Advanced to date$200M+ advanced
Ministry-backed · NZ-owned · No lock-in contracts
Prefer to chat? Freephone0800 88 33 33