Business loans for childcare
The Child Care Subsidy pays fortnightly. Your costs don't.
Finance for Australian childcare centres and early education providers navigating CCS timing gaps, staffing costs, and the capital demands of a regulated sector.
Apply now
2 minutes · No credit check · Free
Overview
Why childcare businesses choose Avoir
Running a childcare centre in Australia means operating within one of the most regulated — and most capital-intensive — small business environments in the country. Ratio requirements are non-negotiable: you cannot reduce staffing to manage a cash flow shortfall without breaching your approved provider obligations. The Child Care Subsidy settles on a fortnightly cycle that doesn't align with weekly wage runs. Room upgrades, outdoor equipment, and educational resources need to meet National Quality Standard requirements, not just your budget. And opening a new room or service requires approval, fit-out, and a ramp-up period before enrolments stabilise. Avoir connects childcare and early education businesses to lenders who understand the sector's specific financial structure.
Most lenders have never assessed a childcare centre. They look at deposits, find an average, and make a decision that ignores the structural complexity of government subsidy timing, regulated staffing costs, and the capital requirements of a sector where corners genuinely cannot be cut. Lenders in Avoir's network understand the Child Care Subsidy payment cycle, the staffing cost structure of ratio-based service delivery, and the fit-out and equipment investment required to operate a compliant early education service. Whether you're managing a short-term cash flow gap between CCS payments, funding a new room opening, or investing in outdoor equipment and educational resources, a specialist will match you to the right option.
Key features
CCS timing cash flow
Bridge the gap between childcare costs and Child Care Subsidy payments. Keep your centre fully staffed and operational.
Equipment and fit-out
Fund playground equipment, educational technology, renovation, and compliance upgrades without depleting operating funds.
Expansion and new rooms
Open new rooms, expand capacity, or add new service offerings without waiting for a traditional bank approval.
All childcare types
Long day care, family day care, in-home care, vacation care, OSHC, and early learning centres all eligible.
Eligibility
Do I qualify?
Childcare centres, long day care services, family day care operators, and early education businesses with 12+ months of operating history are typically eligible to apply. CCS-based revenue structures are specifically understood by lenders in our network. A specialist will review your profile.
Process
How it works
Apply in 2 minutes
Complete our short online form with basic details about your business and what you need. No credit check, no documents required at this stage.
We match your profile
Your enquiry is assessed and matched to the most suitable lending partners in our network based on your business profile, loan amount, and purpose.
Receive your offer
A specialist contacts you within 2 hours with tailored options. They will walk you through available terms and answer any questions.
Funds in your account
Once you accept an offer and provide the lender's required documentation, funds are typically transferred within 24 hours.
FAQ
Common questions
Everything you need to know about getting a business loan. Can't find the answer you're looking for? Apply and a specialist will answer your questions directly.
Apply now →Can a childcare business get an unsecured loan?
Yes. Childcare businesses with consistent enrolment revenue and 12+ months of trading are eligible for unsecured business loans.
Can I use a loan to fund a childcare fit-out?
Yes. Fit-out and equipment finance is a common use for childcare business loans in our network.
Does CCS revenue count towards the income assessment?
Yes. CCS payments received by the centre are included in revenue assessment. Lenders understand government subsidy timing.
Can a sole operator family day care provider apply?
Yes. Sole traders operating family day care businesses are eligible to apply with an active ABN and 12+ months trading.
How much can a childcare business borrow?
Between $10,000 and $500,000 depending on annual revenue. Childcare businesses with consistent enrolment typically qualify for amounts that reflect their fee income.
Are OSHC businesses eligible?
Yes. Outside school hours care providers are fully eligible to apply through our lending network.
Ready to apply?
CCS timing gaps shouldn't compromise the quality of your service.
Two minutes to apply. No credit check. A specialist will be in touch within two hours.
NO COLLATERAL
NO CREDIT CHECK
2 MIN APPLICATION