Little girl having fun on swing

Next-generation finance for education

From acquiring new sites to large-scale development projects, we help childcare, education, and specialist education businesses access the funding they need to grow.

Business finance built for childcare and education

Getting a new project off the ground can be difficult, especially without the right support. With OakNorth, you can access tailored commercial finance, to make your growth plans a reality.

We’ve partnered with schools, nurseries and specialist education providers to cover working capital, as well as build, refurbish and acquire new and existing sites. With business loans ranging from £250,000 to tens of millions, we’ll help you uncover the right debt finance solution in a simple, transparent way.

Not sure which business loans we offer? From bridging loans to property development loans and revolving credit facilities, find out what works for you in our business loans guide.

Bespoke facilities for repeat projects

We know that projects in the childcare and education space evolve quickly, with plenty of scope for additional development and new acquisition opportunities

Our umbrella facilities, which offer a number of different loan structures, are designed to cater to just that.

Capital expenditure to help you move forward

Whether you own a nursery, a school, or another place where students learn, improving those spaces can have an enormous impact.

At OakNorth we help you bring new projects to life, with capital expenditure facilities for school-building, refurbishment, acquisitions and more.

Loan terms that suit you

Rigid loan terms can be frustrating, particularly when you’re dealing with teams that don’t understand the finer details of your business.

We take the time to see where your business is going, which allows us to be more flexible when it comes to the structure of your loan.

With you from start to future

With OakNorth you won’t be handed over to multiple different divisions or have to refinance after each stage in the process.

We keep things simple, with the same team supporting your project all the way from buy to build.

215 M+

£ lent to the sector to date


business locations funded

How are we making a difference?

Nurseries, schools, and universities all play a huge part in their communities.

We’re proud to have helped a range of childcare and educational institutions regenerate areas, boost local economies and create new career opportunities. 

Tailored finance to help your education business grow

We’re entrepreneurs at heart, so we build our early years and education sector loans with business owners front and centre. That means no inflexible and inefficient debt finance facilities, no-time wasting, and no ambiguity. Just straightforward funding without giving up equity. 


Get funded faster

When you discover the perfect piece of land for your next school, nursery or other project, you can’t afford to hang around waiting for a bank to get back to you.

With OakNorth, funds can be with you in a matter of weeks, so you can move things forward in the time it takes to do business.

Get started

We are immeasurably grateful to those who secured this facility from OakNorth. Our building work continues, our fundraising efforts continue but OakNorth’s advance will ensure that we will meet our target and open as planned next year.

Jacob Sorotzkin, Chair of Governors at Side by Side


Tailor your finance to your future

Your project might start with property development or an acquisition, but there’s a high chance it’ll progress into other activities that may need financing too.

With OakNorth’s bespoke facilities you can save the money and hassle that comes with project-by-project capital.

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The finance from OakNorth has come at a critical time. The bank went above and beyond what was required and I have no doubt that their bespoke facility will help us deliver our exciting growth plans.

Adrienne Cherrywood, Headteacher and Proprietor of Cressey


Meet key decision makers

One of the main differences between OakNorth and more traditional providers is our transparency. We’ll keep you in the loop throughout, so you always know where you stand.

For loans above a certain size, you can even meet our Credit Committee.

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Having worked with the team at OakNorth before, we knew we could rely on them to be fast, flexible and collaborative, and once again, they didn’t disappoint.

Vedrana Riley, CEO at Ciel Capital


Reach success with the right people

Our award-winning debt finance team know nurseries, schools and universities inside out.

As a result, they’ll only offer you the tailored financing options that make sense for your growth.

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We spoke to a few different banks about our funding requirements but chose OakNorth because this is clearly a sector they know well and enjoy working with.

Taj Heer and Talon Golding, Co-founders of Bright Minds Daycare


Setting up tomorrow's future with today's care and education businesses

Watch their stories

Fund your next move today

If you have a clear vision for growth in the childcare and education sector, we can make it happen. Speak to a member of our team and we’ll help you kickstart your next move. 


We take the time to understand your business and tailor a loan to your needs, in a fast, transparent way. We’ll turn things around in weeks rather than months, with no opaque, “computer says no” decisions. 

We have years of experience helping businesses avoid the pitfalls of project-by-project financing. Our umbrella facilities allow for multiple projects and the acquisition of new assets, so you can deliver projects more quickly and reduce costs. 

Our flexibility: we’ll work with you to design something truly bespoke – so you can acquire and refurbish a site all under one facility, for example. 

The cost of your loan is based on what kind of borrower you are, or your risk profile, which depends on factors like credit history, industry sector and more. We focus on speed, flexibility and competitive terms over price.

Depending on factors like your business’ risk profile and what you need the funding for, we can provide amortising loans, where you gradually pay off your debt with regular payments, as well as non-amortising loans, where you pay off the loan in a lump sum.

Unlike many other high street banks, we won’t make you transfer your business banking over to us, so you can apply for a loan quickly and easily.