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Specialist Nursery Loans
and Childcare Business Finance
Tailored childcare business finance to help you buy, grow or refinance your nursery with confidence.
Tailored Funding Support for Nursery Owners and Operators
Helping You Buy, Grow or Invest in a Nursery
Owning or expanding a nursery is more than a business decision – it’s about shaping futures and building a community. At Finance Elite, we specialise in helping nursery owners and investors secure funding solutions that support both their ambitions and the children in their care.
We understand that nurseries face unique pressures: staff costs, government funding changes, property challenges, and maintaining high standards of care. Our team works closely with you to arrange finance that not only fits your business plan but also supports long-term sustainability. By taking the complexity out of funding, you can stay focused on what really matters – running a thriving nursery.
Bespoke Nursery Finance
Every nursery is different. We arrange funding packages designed around your setting, whether you’re buying your first nursery or adding to a growing group.
Sector Knowledge
We know the nursery sector inside out – from occupancy levels to Ofsted requirements – and use that insight to secure the right funding for you.
Growth Solutions
Looking to expand? From acquisition loans to property development and working capital, we’ll help you access finance that supports your growth.
Partnership Support
We’re more than finance brokers. We act as your partners throughout the process, providing clarity, reassurance and guidance at every stage.
Why Work With Finance Elite?
Securing the right nursery finance isn’t just about the numbers – it’s about having the confidence that you’re making the best decision for your nursery and its future. That’s where Finance Elite comes in.
We’re not just another broker. As specialists in nursery business finance, we take the time to understand your ambitions, explain your funding options clearly, and support you at every stage of the journey. With our experience in the childcare sector, we know the challenges nursery owners face and can help you navigate them smoothly.
What our clients value most is the peace of mind we bring. By managing the financial legwork, we free you to focus on running and growing a strong, sustainable nursery—knowing you have a finance partner who is as invested in your success as you are.
The Path to Nursery Finance & What to Expect
Arranging nursery finance can feel overwhelming, but our role is to make the process clear, simple and reassuring. It all begins with an open conversation about your goals – whether you’re buying your first nursery, expanding a group, or restructuring for the future.
We’ll review your business plans, accounts and long-term vision, and match them with lenders who understand the childcare sector. Because we specialise in nursery business loans, we know how to present your case effectively and highlight the strengths that matter most to banks.
Once the right funding option is identified, we manage the negotiations and paperwork on your behalf, keeping you informed at every stage so there are no surprises. And when the deal completes, our support continues—helping you make the most of your funding as your nursery grows.
The Nursery Finance Journey
Every nursery and every owner’s story is different, but the steps to securing the right funding are simple. Here’s how we make the process clear, structured and supportive from start to finish.
Step 1: Initial Conversation
Discuss your nursery, goals and funding needs.
Step 2: Business Review
We assess your plans, accounts and vision for growth.
Step 3: Lender Match
We identify and approach the most suitable nursery finance providers.
Step 4: Application & Negotiation
We prepare your case, negotiate terms and manage the paperwork.
Step 5: Approval & Completion
Your loan is finalised, funds are released and the purchase (or refinance) is completed.
Step 6: Ongoing Support
We remain on hand to advise as your nursery business develops.
Frequently Asked Questions
Nursery Finance FAQs
We know that buying or refinancing a nursery can feel daunting, and you will probably have plenty of questions along the way. To make things easier, we have answered some of the most common queries below. If you cannot find what you are looking for, our team is always happy to talk through your individual situation.
Not always. Some lenders prefer buyers to have experience in childcare or business management, but many will consider first-time buyers if you have a strong business plan and the right support in place.
A goodwill loan is finance based on the value of the nursery business itself, rather than just the property. It reflects the reputation, occupancy levels, and profitability of the nursery.
Yes. We can arrange funding for both the freehold or leasehold property and the goodwill value of the nursery, depending on your requirements.
Absolutely. We support existing owners with refinancing, debt restructuring, and funding for expansion, as well as working capital to help manage day-to-day costs.
The timescale can vary depending on your circumstances, the type of finance you are applying for, and how quickly information can be provided to lenders. What we can do is guide you through each stage, keep things moving as smoothly as possible, and keep you updated so you always know where things stand.
Lenders usually review your experience, business plan, nursery accounts, occupancy levels, and Ofsted rating, as well as your personal financial situation. We guide you through what to prepare and present your case in the best possible way.