Urgent Short Term Loans to Buy a Freehold Childcare Centre

Settle on the centre on time, and refinance once the transfer is confirmed and the centre is trading

Experts in strategic, short-term finance

Rated 5 out of 5Jason V

Hands down, the best private lenders in the biz
Gino, Alec and Finn are exceptional at what they do. Top tier communication and transparent service.

Rated 5 out of 5Rhowell Dela Rosa

Every settlement has been smooth
Gino and the team at Secured Lending are our go-to when a deal needs to move fast or fall outside bank criteria.

Rated 5 out of 5Rory Mcgrath

Always my top choice for nearly all private lending scenarios
I run and operate a private lending brokerage and have worked with Mark and the team for years.

Rated 5 out of 5Luke Egan

Speed to market on lending advances second to none
The owner is also one of best commentators on LinkedIn calling out poor lending and recovery practices.

Rated 5 out of 5amal maharaj

True professionals in the non bank lending space
Straight forward application and assessment process with clear communication till loan settlement.

Rated 5 out of 5Sam Algeri

Excellent service, quick approvals and seamless settlements
The team at Secured Lending, particularly Gino and Finn, are fantastic to work with.

Rated 5 out of 5sebastian wright

Speed, reliability, transparency
Exceptional team. Exceptional Service. Loved working with the team at Secured Lending.

Rated 5 out of 5Jordan Thomas

Gino & Finn are the best in the business
Quick and painless to deal with, keep up the great work SL team!

Rated 5 out of 5Wayne McCarthy

Always willing to think outside the box to get deals done
We've had a great experience working with Secured Lending.

Rated 5 out of 5JP G

Quick, responsive and reasonable
With all the shady characters in the private lending market, its refreshing to find good people to deal with.

Rated 5 out of 5Joel Togo

Always thorough on assessment and will give you a prompt answer
With clients that are in time sensitive situations, this is crucial.

Rated 5 out of 5David Pruscino

Always professional and supportive
It's a pleasure dealing with the Secured team.

Rated 5 out of 5Monica Monsigneur

A professional and common sense lender who delivers

Rated 5 out of 5Thomas de Fegely

Great options in the private space
Have been dealing with Finn from Secured Lending, he has been very responsive.

Rated 5 out of 5Andrew Soo

A very reliable funding partner
Highly recommended.

Rated 5 out of 5Phil Boyle

Very efficient, responsive
Finn was a great help to assist in a very timely manner.

Finance within

24 hours

Loans from

$250k to $10M

Rates from

9.7% p.a.

Terms

1 to 24 months

Buying a childcare centre involves more than the property: the service approval must be transferred, and the new provider needs its own Child Care Subsidy approval. When the property settlement is due before the bank is ready, we can fund it in as little as 24 hours.

We fund operators and investors buying freehold childcare centres across Australia, including new centres with a lease in place.

Approvals that shape the timetable

•In NSW, the Early Learning Commission says the transferring and receiving providers must notify it at least 60 days before the intended transfer date
•A service approval cannot be transferred without the regulator's consent
•The Department of Education says Child Care Subsidy approval cannot be transferred: a buyer must apply for its own, even if the service was already approved
•The seller must notify the Department at least 42 days before selling

The 60-day notice is the NSW regulator's rule, and the Child Care Subsidy steps are federal. Your lawyer should confirm the timetable for your centre.

When centre buyers call us

•The property contract settles before the bank's approval
•An investor is buying a centre leased to an operator
•A newly built centre has no occupancy history for the bank to assess
•The operator wants to buy the centre it leases
•Compliance or fit-out works are needed before the transfer

Buying a centre with us

The contract and timetable. Send the contract, the lease if there is one, and the transfer timetable. Indicative terms can follow within hours.
Valuation. Our valuers assess the centre and the lease in place.
Transfer dates. We agree the settlement date with your solicitor, around the service approval transfer.
Settlement. Once the letter of offer is signed, settlement can happen within 24 hours.

Paperwork for a centre purchase

•The contract of sale
•The lease to the operator, if the centre is leased
•The service approval transfer timetable
•The centre's occupancy and trading figures, if available
•Your repayment plan

Loan options for a childcare centre

•First mortgage: over the freehold centre
•Bridging loans: to settle before another property sells
•Second mortgage: over other property you hold, where a bigger loan is needed
•Secured business loans: a lump sum for compliance or fit-out works

Terms for a centre purchase

Loan feature	Detail
Loan size	$250,000 to $10,000,000
Interest rate	From 9.7% p.a. on a first mortgage, from 11.95% p.a. on a second mortgage
Term	1 to 24 months, interest only
Maximum LVR	70% of the lower of the assessed value and the purchase price
Security	A first mortgage over the freehold centre, and other property if needed. Never the service approval
Settlement	From 24 hours

Repaying after the transfer

Buyers usually repay us with bank finance once the transfer is confirmed and the centre has a trading record under its new provider. An investor may refinance once the lease is established, or sell the centre with the lease in place.

“A childcare centre sale has two timetables: the property settlement and the approvals. The service approval transfer needs 60 days' notice in NSW, and the bank often waits for it. We lend on the property, so the loan is ready for the contract date while the approvals run alongside it. Send us the contract and the transfer timetable, and we will confirm the numbers the same day.”

Gino Tabila

Associate Director

Frequently Asked Questions

In NSW, the Early Learning Commission says both providers must notify it at least 60 days before the intended transfer date. Plan the property settlement around that date, and we can agree terms well before it.

No. The Department of Education says a buyer must apply for its own Child Care Subsidy approval, even if the service was already approved, because the provider has changed. It cannot grant your approval until the seller's approval is cancelled.

Yes. A centre leased to an established operator is valued as an investment property, with the lease taken into account. You do not need to be the operator to borrow.

We need to learn your scenario further. We value the property and the lease in place, so trading history is not the basis of our decision, but it does affect how and when a bank can refinance us.

No. The loan is secured by the freehold property, and by other property you own if needed. The service approval, the Child Care Subsidy approval and the business are never the security.

Yes. Fit-out and compliance works can be included in the loan at settlement, within 70% of the property value. Send the quotes with your enquiry.

Same-day settlement is possible where the approvals allow, depending on your scenario. Our valuers need access to the centre, which the operator can usually arrange quickly.

Yes. As well as childcare operators, we lend to education, allied health and other service businesses for working capital, such as staff costs, compliance works and a refit around a transfer.