Like any business purchase, your return on investment is hinged on ensuring your funding is both cost competitive and astutely structured. Green Finance Group is one of a very small number of Australian finance brokerages that can legitimately claim to specialise in providing finance solutions for the childcare industry.View Latest News
The amount of money you can borrow for your childcare business, the interest rate discount and loan terms, which ultimately impact business profitability, will be directly influenced by several factors including (but not limited to):
The higher the bank’s perceived risk of your business, the higher the all-up rate or cost of your funding. It’s important to note that every lender will weigh risk factors differently and can change their policy regularly.
In the current market the maximum loan to value ratio (LVR) you can obtain for a childcare centre business is:
Typical Loan to Value Ratios (LVRs) provide a guide only and the strength of your individual business case will impact upon your final loan terms and interest rate discounts.
In instances where other security is available, it may be possible to borrow over 100%.
Your experienced Green Team finance broker will be in the best position to provide you with an indicative assessment of your borrowing capabilities with a range of banks and lenders and further negotiate on your behalf.
Your Green Team finance broker will guide you through all related processes including due diligence, business planning and cash flow management. We will package and present your finance application to the chosen lender on your behalf. And of course, where possible we will negotiate savings to find a better finance deal.
Our aim is to ensure the best outcome for your business whether it is to get you up and running, negotiate better loan conditions, save you money, or all of the above.
Daniel’s true talent lies in his ability to make a complex process run smoothly. He is always thinking ahead, never complacent, and is continuously looking for something that little bit better.
Recently he assisted me to refinance my business lending with a new financier and better conditions, and most importantly, allowing scope for future developments.
I have trust in his ability, and his commitment to my business and me. It isn’t a transactional relationship, it’s more of a partnership, and that’s how successful business should be done.
From our very first meeting Daniel instilled a confidence in his ailibity to present a range of solutions. He’s straightforward and this means he quite simply does what he says he’ll do. He has a knack of making a stressful process into something quite streamlined. Even with thegrowth of his business, his service commitment to me hasn’t altered in over 10 years. When I’m working with him I genuinely feel like a priority and I know that’s the way he treats all his clients.
I purchased my very first childcare centre at 28 years of age, and it simply would not have been possible without Daniel Green's assistance to secure the finance I needed. I had what I thought was a good plan and over 11 years' experience working in childcare centres, (having worked my way up from educator to centre director for two successful centres), yet several banks would not even consider my application. People often ask me how I did it and I can honestly say it wouldn't have been possible without Daniel's guidance, and more than that, his absolute belief in me. Over a period of 12 months, he helped me to refine my goals, cement my business plan and ultimately improve my purchasing position. His reputation within the finance industry is well known but I think his first-hand business knowledge within the childcare industry, having co-owned several centres himself, sets him apart from other finance brokers and makes him an incredible business ally when dealing with banks. Additionally, the team of people around him are equally as impressive and Andrew from Green Wealth and Insurance was able to sort out all my personal insurance needs. This team are my go-to when it comes to anything finance related and I know they'll be by my side when I'm ready to expand into my 2nd childcare centre. Thank you so much.