You can access our funding up to 3 months before your MOE bulk funding payment. In other words you can borrow from us up to 3 months before the 1st March, 1st July and 1st November payment dates.

Get funds now

Get up to 60% of your
next bulk funding
payment immediately

You are in Control

Use us only when you need
to and pay only for
what you use

Simple and Quick

A simple online
application with funds to
you in hours

Funding that Works

Cash advances of $5,000
to $500,000


There are no ongoing fees or fixed contracts so you use only as much as you need, and only when you need it. Our fees are the best in the childcare finance market.

  • Up to one month
  • $375 per $5,000 advanced
  • Between 1 and 2 months
  • $475 per $5,000 advanced.
  • Between 2 and 3 months
  • ASK for special rates.
  • Between 3 and 4 months
  • ASK for special rates.


How long does it take to get approval?

Once we receive your application and any other required information approval is usually within 24 hours.

Can any centre use this service?

Yes, as long as you are licensed and receive your funding from MOE.

How much funding can I get?

We will advance up to 60% of the expected MOE payment, based on the average of your last 3 funding periods.

Is the process complicated?

No, not at all! It is quick and simple. We will help you through the whole process.

How does this work?

We advance funds in multiples of $5,000 secured against your next scheduled MOE payment. The payment from the MOE will pay what is owed to us.

What security do you need?

Your scheduled MOE payment is used as security.

Am I locked into any long term commitments?

Not at all, This is very much about you utilising this service as and when you need to.

Why use Childcare Funders rather than a bank?

We encourage you to use any bank facilities you have including an overdraft facility. We assist when the bank may need to say ‘No’ or when you may not want to utilise your house or other assets as collateral.

How often can I use this facility?

As often as you need to! Use us as and when you need us to assist with your cash flow.