NURSERY FINANCE MADE SIMPLE
Smarter Finance Solutions
Welcome to Funding Pool – a trusted provider of business loans for nurseries across the UK.
Running a successful childcare facility takes constant effort, care, and ongoing financial investment.
We understand the unique challenges nursery owners face and tailor funding to support your growth.
Our solutions are built to help you expand, improve, and thrive with confidence.
FINANCE THAT WORKS WHEN YOU NEED IT
Funding for any business need
Purchase new equipment & resources
Invest in learning materials, toys, furniture, outdoor play equipment, cribs, and high chairs to enhance the environment for children in your care.
Upgrade or renovate your facilities
Create a safer, more welcoming environment — upgrade indoor spaces, outdoor areas, kitchens, or toilets to meet Ofsted standards and attract new families.
Hire additional childcare staff
Take on more qualified staff to achieve a lower child-to-staff ratio — improving the quality of care and enabling you to increase your registered capacity.
Introduce new programmes & activities
Fund language classes, music lessons, Forest School, or STEM activities — differentiating your nursery and attracting families seeking enhanced education.
Bridge cash flow during low enrolment
Manage cash flow during quieter periods or seasonal dips in enrolment — cover wages, rent, and fixed costs without disrupting the quality of care.
Open a new nursery location
Expand your childcare provision by opening a second site — fund the fit-out, registration costs, equipment, and initial staffing to get trading quickly.
TYPES OF FINANCE
We find the option that works for you
Unsecured Business Loans
Fast access to up to £750,000 with no assets required — ideal for equipment, refurbishments, staffing costs, or cash flow during low enrolment periods.
Learn more →Secured Business Loans
Larger amounts at lower rates for significant investment — secured against property for major premises upgrades or opening a new nursery location.
Learn more →Asset Finance
Finance outdoor play equipment, minibuses, kitchen appliances, or specialist learning resources with manageable monthly payments.
Learn more →Flexible Credit Facility
A revolving line of credit for consumables, supplies, or seasonal dips in enrolment — draw on it as needed and repay when cash flow allows.
Learn more →Growth Guarantee Scheme
A government-backed loan of up to £2m with 70% guaranteed by the UK Government — ideal for nurseries planning significant expansion or new sites.
Learn more →VAT & Tax Loans
Spread your Corporation Tax bill over 3–12 months — stay HMRC compliant without impacting the day-to-day running of your nursery.
Learn more →NURSERY LOAN ELIGIBILITY
Eligibility criteria
To be eligible for a nursery business loan your setting typically needs to:
- Be UK-based and actively trading
- Have a strong credit history and positive cash flow
- Be a limited company, sole trader, or LLP
- Have a defined business purpose for the funds
- Be able to provide financial statements if required
Eligibility criteria vary by lender. We'll help you understand exactly what each lender needs and match you to the most suitable options — with no impact on your credit score to apply.
Rates & terms
Interest rates vary depending on the lender, loan type, and your business credit profile. Subject to status and affordability assessment.
Why choose Funding Pool?
Childcare sector expertise
We understand the regulatory requirements, seasonal enrolment patterns, and funding gaps that childcare providers face.
Quick & easy application
Minimal paperwork and fast decisions — most applications are processed within 24 hours so you can focus on the children in your care.
Competitive rates
We compare offers across 50+ lenders to find the most competitive rates and flexible repayment terms for your nursery.
UK-based support team
Our friendly experts are available by phone, email, or WhatsApp to guide you from application to completion.