A friendlier way to fund your childcare centre
Smooth cash flow for your childcare centre. Get your next Ministry payment early.
Long gaps between Ministry payments shouldn't stress your team. Get up to 60% of your next payment in your account today — friendly, fast, and made just for childcare centres.
Takes 5 minutes • No long contracts
Your advance
Ministry-backed funding
$75,000
In your account today
Trusted by childcare centres across Aotearoa
NZ's #1
Biggest childcare cash-flow helper
$5k–$500k
Right-sized for your centre
24-Hour
Apply today, hear back tomorrow
100%
Honest flat fees, no lock-ins
The challenge
Running a childcare centre is hard enough
Looking after little ones takes great teachers, lovely spaces and the right resources. But the way Ministry payments are spread through the year can make day-to-day cash flow really tight — and slow you down when you'd rather be growing.
The long wait between payments
The Ministry pays you in three big chunks a year (March, July and November). The months in between are when rent, wages and bills don't wait — and that pressure can really add up.
Up-and-down enrolments
Numbers change all the time. When children move on or new intakes start slowly, your weekly income drops straight away — but your teachers' wages and overheads stay exactly the same.
Wanting to grow, fast
Upgrading your outdoor area, running a marketing push, or opening a new centre needs money upfront. Banks can be slow and rigid when you need to move quickly.
How we help
A friendly hand when you need it
We're not a bank, and we're not here to lock you in. We just give you early access to the Ministry money you've already earned — whenever you actually need it.
Money in your account today
Get up to 60% of your next Ministry payment — up to three months before it's due. Turn money you've already earned into cash you can use right now.
You're in control
Use it only when you need to. Take just what you need. Pay only for what you use. No monthly fees, no yearly contracts, no surprises.
Quick and simple — no paperwork mountain
Skip the bank forms, valuations and personal guarantees. Our online form takes 5–10 minutes and approved funds land in your account the same day.
Simple, fast, friendly
Three simple steps. We do the rest.
01Apply online in 5 minutes
Fill in our short, secure form. Tell us a little about your centre and how much you'd like — no endless bank paperwork.
02We say yes within 24 hours
Our friendly team reviews it the same day. Once you're approved, we send the agreement and pop the money into your bank account within hours.
It pays itself back
Run your centre with peace of mind. When the Ministry pays you, the advance is repaid automatically from that payment. No manual transfers, no lingering debt.
Simple, honest pricing
See your advance and our flat fee — no surprises
One simple flat fee. No interest building up, no compounding, no monthly charges. What you see is exactly what you'll pay back when the Ministry pays you.
How long do you need it for?
Advance
$20,000
Flat Fee
$1,500
Total
$21,500
Pays itself back from your next Ministry payment.
Real centres, real stories
How other childcare centres use us
Marie
Centre Director — Auckland
Opening a brand new centre in Auckland
The challenge
Marie was setting up a beautiful new childcare centre. Licensing delays, playground build costs and teacher recruitment ran over budget before the first children even arrived.
How we helped
We provided a $150,000 advance against her upcoming Ministry start-up funding.
"We couldn't have done it without them. The money let us finish the build on time and open our doors with a full team of teachers."
Frequently Asked Questions
The questions childcare centres ask us most.
Once we have your online form and a few basic documents, our friendly team reviews it straight away. Most centres are approved and funded within 24 hours — often just a few hours.
Yes. Any licensed childcare centre or home-based provider in New Zealand can apply, as long as you receive Ministry funding payments.
Anywhere from $5,000 to $500,000. You can take up to 60% of your next Ministry payment as an advance.
No. Unlike traditional banks, we don't require personal property charges or asset valuations. The advance is secured against your upcoming Ministry payment.
Not at all. No annual fees, no setup costs, no long-term commitment. Use us only when you need to, and pay only for what you take.
Banks are slow, want personal guarantees, and don't always understand how childcare funding works. We do — that's all we do. You get a same-day yes, no red tape, and one honest flat fee.
A friendlier way to fund your centre
Join the New Zealand childcare centres who use us to smooth their income, look after their teachers, and grow with peace of mind.
No obligations • Same-day yes
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Get Funded in 24 Hours
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