New Zealand's specialist childcare lender

Quick and easy loans for New Zealand childcare providers

We help licensed childcare centres and home-based providers smooth out cash flow between Ministry of Education payments. Apply online, get a same-day yes, and put up to 60% of your next payment to work today.

Same-day approval
No long contracts
Children playing at a New Zealand childcare centre

NZ's #1

Specialist childcare lender

$5k–$500k

Cash advance range

24 hours

Typical approval time

100%

Childcare-only focus

We are the childcare payment specialists

Built for licensed childcare providers across Aotearoa

ChildCare Funders is New Zealand's leading company for the funding of Early Childhood Education (ECE) Ministry of Education (MOE) bulk payments. Our financial products have eased the worries of childcare centres and smoothed the income stream for many of New Zealand's leading centres.

We offer a proven track record, a simple application process and a 24-hour turnaround on application approvals.

Funding that actually fits childcare

Get funds now

Get up to 60% of your next Ministry of Education bulk funding payment immediately.

You are in Control

Use us only when you need to. Pay only for what you take. No lock-ins.

Simple and Quick

A short online application with funds in your account in hours, not weeks.

Funding that Works

Right-sized cash advances from $5,000 to $500,000 — for centres of every size.

How it works

Three simple steps. We do the rest.

1

Apply online

A short application — most centres complete it in 5–10 minutes.

2

We say yes in 24 hours

Our specialist team reviews same-day and confirms your advance.

3

Repaid automatically

When the Ministry pays you, the advance pays itself back. No follow-ups.

What centres say

Trusted by childcare providers across New Zealand

"OMG thank you so much for your help last month. You guys were so fast and helpful in my stressful time. Just amazing — so happy you are there for us."
Suzanne

Suzanne

Childcare Centre Owner

"Thanks for your help this year. It's been an exciting time getting our new centre up and running and we couldn't have done it without ChildCare Funders."
Marie

Marie

New Centre Owner

Featured Story

Ko Aroha Kids

Standalone ECE · 30+ years

30+ yrsOperating in
$120kAdvanced in
5 yrsChildCare Funders
KW

Karen Warren

Owner, Ko Aroha Kids

"Such an easy service — a genuine lifesaver for our centre. If we didn't have them, we wouldn't be here."

Common questions

The questions childcare centres ask us most.

What is ChildCare Funders?

ChildCare Funders is New Zealand's specialist lender for licensed childcare centres and home-based providers. We give you a cash advance against your next Ministry of Education bulk funding payment so you can cover wages, rent and growth without waiting.

Who can apply for childcare funding?

Any licensed childcare centre or home-based provider in New Zealand that receives Ministry of Education bulk funding payments can apply.

How fast is approval?

Most applications are approved within 24 hours of receiving your information. Once approved, funds land in your account the same day.

How much can I borrow?

Cash advances range from $5,000 to $500,000 — up to 60% of your next Ministry of Education bulk funding payment.

Ready to smooth out your cash flow?

Apply online in five minutes. Most childcare centres are approved and funded within 24 hours.

150+ NZ centres funded since 2016
Advanced to date$200M+ advanced
Ministry-backed · NZ-owned · No lock-in contracts
Prefer to chat? Freephone0800 88 33 33