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.
Got questions? We have answers
Frequently Asked Questions
Everything you need to know about getting a cash advance against your Ministry of Education bulk funding payment.
Childcare Funders is New Zealand's specialist provider of short-term funding advances secured against Ministry of Education (MOE) bulk funding payments. For more than a decade we've helped licensed Early Childhood Education (ECE) centres across New Zealand smooth their cash flow, cover unexpected costs and keep their teams paid on time — without the delays of a traditional bank.
Below you'll find clear answers to the questions childcare centre owners and managers ask us most often: how MOE payment advances work, how much funding you can access, how quickly applications are approved, what security is required and whether there are any long-term commitments. If your question isn't covered here, our friendly New Zealand–based team is only a phone call away.
Is the process complicated?
No, not at all! It is quick and simple. We will help you through the whole process.
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.
Can any centre use this service?
Yes, as long as you are licensed and receive your funding from MOE.
How long does it take to get approval?
Once we receive your application and any other required information approval is usually within 24 hours.
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.
Why use Childcare Funders rather than a bank?
We encourage you to use any bank facilities you have including an overdraft facility. We easily assist your business when the bank takes too long or may need to say 'No'.
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.
What security do you need?
Your scheduled MOE payment is used as security.
Ready to smooth out your cash flow?
Apply online in five minutes. Most childcare 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