How cash moves
Fit-out, furniture, training and wages are due before enrolments and fee receipts stabilise. A slower ramp-up increases the working-capital requirement.
A practical situation
A childcare operator fits out an additional centre and buys learning equipment before its first full term.
Illustrative only; no lender acceptance or credit approval is implied.
Common funding needs
- Centre fit-out
- Learning and play equipment
- Premises purchase
- Opening working capital
Questions to prepare
- What approvals and staffing plan are in place?
- How do enrolments compare with licensed capacity?
- What is the contingency if occupancy grows more slowly?