How it Works

Childcare Funders will advance up to 50% of your next bulk funding payment. There is no longer any waiting for payment as we pay you immediately.

The Process:

We have a very simple and quick online application process allowing you to spend your time on running your early childcare centre, rather than filling out endless forms:

  • You provide us with a completed online application form, bank statements showing the last 3 bulk funding payments and a copy of your childcare license.
  • We complete the approval process, and when approved, transfer the money requested immediately into your account.
  • We guarantee process completion within 24hrs of receiving complete paperwork
  • The loan is repaid directly from your next Ministry of Education bulk funding payment.

Access funding up to 3 months out:

  • Access your bulk funding early – Immediate cash in your bank.
  • Use us to pay staff and expenses now.
  • Your stress is reduced – you can concentrate on your Childcare business without the cash flow worry.
  • No waiting for bulk funding payments.
  • Simple and quick application process.

One Flat Fee:


You can access this funding up to 3 months out from the date your bulk funding will be paid. In other words you borrow from us up to 3 months before the 1st March, 1st July and 1st November payment dates.

Up to one month
Between 1 and 2 months
Between 2 and 3 months
Between 3 and 4 months

$375 per $5,000 advanced
$475 per $5,000 advanced.
$ASK for special rates per $5,000 advanced.
$ASK for special rates per $5,000 advanced.

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


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.

Is the process complicated?

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

How much can I get?

We will advance up to 50% 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 overdraft?

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.

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?

A. Your scheduled MOE payment is used as security.