Specialist Verticals
Where We Work Most Effectively
We focus on scenarios where lender assessment is complex and outcomes depend on structure - not just financials.
Childcare & Early Learning Finance
Buying, building or refinancing a childcare centre.
Childcare finance is its own discipline. Lenders weigh occupancy levels, the strength of the lease, operator experience, location, and whether you are buying the freehold, the going-concern business, or both. Because lenders assess occupancy, location and operator experience so differently, matching the deal to the right funder is critical — and that is where we add value.
Discuss a centre purchase →What Lenders Assess:
- Freehold-with-going-concern vs leasehold business purchase
- Occupancy levels and waitlist demand
- Lease terms, length and the landlord reputation
- Operator and management experience credentials
- Location, licensed places and catchment supply
- Specialised vs standard commercial security valuations
Frequently asked
Questions about these industries
Can you finance a childcare centre purchase? +
Yes — it's one of our specialisms. We arrange finance for freehold-with-going-concern, leasehold business purchases, and centre developments. Lenders assess occupancy, lease, location and operator experience very differently, so matching the deal to the right funder is where the value is. As a general guide, you wouldn't typically go in with less than around a 50% equity position, and any finance is subject to assessment.
What's the difference between a chattel mortgage and a lease? +
With a chattel mortgage you own the asset and finance its cost, which can suit certain tax positions. A finance or operating lease means the financier owns the asset and you pay to use it. It's largely a tax-treatment question, so we set the structure up to work with your accountant's advice rather than recommend one in isolation.
I'm a doctor buying my rooms and equipment — can you do it all? +
Often, yes — it's a common scenario for us. We coordinate the commercial property, equipment finance and your personal lending so the whole structure works together rather than in silos. What's available depends on the lender and your circumstances.