New Zealand's specialist childcare lender
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.
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
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.
Get up to 60% of your next Ministry of Education bulk funding payment immediately.
Use us only when you need to. Pay only for what you take. No lock-ins.
A short online application with funds in your account in hours, not weeks.
Right-sized cash advances from $5,000 to $500,000 — for centres of every size.
How it works
A short application — most centres complete it in 5–10 minutes.
Our specialist team reviews same-day and confirms your advance.
When the Ministry pays you, the advance pays itself back. No follow-ups.
What centres say
"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
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
New Centre Owner
Standalone ECE · 30+ years
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."
The questions childcare centres ask us most.
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.
Any licensed childcare centre or home-based provider in New Zealand that receives Ministry of Education bulk funding payments can apply.
Most applications are approved within 24 hours of receiving your information. Once approved, funds land in your account the same day.
Cash advances range from $5,000 to $500,000 — up to 60% of your next Ministry of Education bulk funding payment.
Apply online in five minutes. Most childcare centres are approved and funded within 24 hours.
