Childcare centre finance questions
What this section covers
These pages answer the questions investors, operators and SMSF trustees ask before buying, building or refinancing a childcare centre: whether a super fund can buy one, how much lenders will advance, the difference between buying the property and buying the business, what lease terms make a lender comfortable, what is actually assessed, how new centres are funded, and how family day care differs from long day care for finance purposes.
Childcare is one of the few commercial property sectors where lenders look as hard at the tenant's regulatory position as at the bricks. That is why the answers below keep coming back to the lease, the licence and the occupancy.
Questions answered in this section
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Childcare centres are a specialised commercial security. Lender appetite, LVR and lease requirements vary widely, and the wrong lender wastes months. We connect you with a finance specialist who handles childcare centre deals.
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