Business Line of Credit
For the summer and holiday gaps: tuition arrives at the start of term, rent and staff are paid every month. Draw in the lean months and repay after enrollment.
See Business Line of CreditWhat's your case?
Which funding fits your school right now?
What it means for your cashThe staff who make the fall term possible are a fixed cost in the months that pay least.
Business Line of Credit
Draw across the gap and repay it out of fall enrollment, instead of holding a reserve that sits idle the rest of the year.
- Range
- $10,000 – $500,000
- Term
- revolving
What it means for your cashThe work has to be finished and inspected before one new place can be filled.
Business Term Loan
One fixed payment sized to the places the upgrade adds, worked back from the date the license has to be signed off.
- Range
- $10,000 – $5,000,000
- Term
- 6 – 60 months
What it means for your cashBuild-out, deposits, equipment and new staff all arrive before the first new family does.
Business Term Loan
A known budget on a fixed term, with an end date you can plan the enrollment ramp against.
- Range
- $10,000 – $5,000,000
- Term
- 6 – 60 months
What it means for your cashA one-time purchase that a single term's surplus cannot absorb.
Collateral & Asset Loans
The vehicle or equipment secures the loan, and the term matches how long it stays in service.
- Range
- $10,000 – $1,000,000
- Term
- 12 – 60 months
What it means for your cashYou deliver the program now, and the invoice pays after the client's own close.
Invoice Factoring Tool
The approved invoice becomes cash, and the decision leans on the client's credit rather than yours.
- Range
- $10,000 – $3,000,000
- Term
- ongoing facility
What it means for your cashThe children are in the room and the staff are paid while the reimbursement is still in the pipeline.
Business Line of Credit
Draw against that gap and repay it when the state pays, so a subsidy-heavy roll does not empty the operating account.
- Range
- $10,000 – $500,000
- Term
- revolving
What it means for your cashStacked payments turn a full enrollment into a tight cash month.
Consolidation of Positions
Pays off the positions you have and rolls them into one payment sized to your deposits.
- Range
- $10,000 – $2,000,000
- Term
- 6 – 36 months
Products
Three ways to fund a school or center
Business Term Loan
For one defined project with a known cost — a licensing upgrade, an infant room, a second site. Fixed payment over a term you can plan the intake against.
See Business Term LoanCollateral & Asset Loans
For vans and buses, classroom technology and playground equipment. The asset secures the loan and the term follows its service life.
See Collateral & Asset LoansFrom the blog
FAQ
Education funding questions
Summer and holiday gaps, licensing and classroom upgrades, a second site, staff ahead of enrollment, vehicles, technology and playground equipment. Falcon does not restrict the use of proceeds to one category.
The products run from $10,000 to $5,000,000 depending on which one you use: a line of credit up to $500,000, an equipment loan to $1,000,000, and a term loan to $5,000,000. The final number depends on tuition and subsidy deposits, time in business and, for a term loan, credit.
A for-profit center can qualify on enrollment revenue, deposits and time in business. If your center is a nonprofit, tell your specialist how it is structured before you apply, because that decides which entity borrows.
Most products ask for 6+ months in business, and the merchant cash advance starts at 3+ months. A center that has not opened yet is usually better served by the owner's own capital or a partner than by this kind of debt.
No. The requirements published for these products are time in business and monthly revenue, and the documents are bank statements, photo ID and a voided check — nothing there asks for a deed. A leased space is the normal case for a center, and it is not a barrier to applying.
A summer dip is normal for a center, but how it reads depends on the file. Ask your specialist before you send statements, and say plainly which months are the term break.
Falcon charges a 0% agreement fee. Amounts, terms and costs are disclosed in your agreement before you sign. No specific rate is published here, because it depends on your file.
Six months of business bank statements, a photo ID, a voided check, a list of any current advances or loans, and a quote or invoice for equipment or vehicles.