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£25k working capital for a childcare provider projecting steady growth
A long-standing West Yorkshire childcare provider needed working capital to support staff hiring and resource upgrades. Learn how Risecap secured flexible, unsecured funding tailored to their growth, not just their balance sheet.
CLIENT SNAPSHOT
Childcare provider | £550k annual revenue | 17 years in operation
A long-established nursery in West Yorkshire, delivering early-years education and care for local families. Run by experienced joint directors, with 15 full-time staff.
THE CHALLENGE
The business needed £25,000 in working capital to support a planned 25% increase in revenue.
Funds were required to hire additional staff and upgrade resources, without disrupting existing operations.
WHY THEY CAME TO US
- Needed manageable monthly repayments and no personal guarantees
- Existing facilities included a Santander loan, a NatWest BBL, and a Cap on Tap revolver
- Other lenders were hesitant due to existing debt and PG preferences
The directors were introduced to Risecap via a trusted professional network. It was their first time seeking outside funding beyond traditional high street banking, and they were keen for the process to be clear, fast, and low-pressure.
OUR APPROACH
We gathered up-to-date financials and highlighted:
- Consistent profitability and growing net assets
- Stable occupancy rates and a strong waiting list
- Modest funding request relative to earnings
We positioned the case with lenders specialising in cash-flow lending to asset-rich SMEs.
We also took time to explain each option in plain language, without assumptions or jargon. Calls were scheduled around nursery hours to avoid disruption. Our goal was to empower the directors, not overwhelm them.
THE IMPACT
- £25,000 unsecured working capital loan
- Two-year term with a fixed, competitive interest rate
- No personal guarantee required
- Flexible repayment schedule aligned to cash flow
Funds were received promptly, allowing the business to move ahead with its growth plans. Recruitment and resourcing upgrades are already underway.
"Risecap made the process straightforward and stress-free.
They understood our needs immediately and delivered exactly what we required without disrupting our day-to-day work."
- Director
TAKEAWAY
Even with layered debt, well-run businesses can still access smart, flexible funding.
We help make that happen - with empathy and speed.