The childcare finance partner the banks actually listen to.
We recently secured an $11M deal that high-street banks said was impossible. Stop letting generic brokers risk your centre's future.
Trusted by operators across Australia
Generic brokers don't understand childcare lending.
The nuances of the early learning sector require specialist expertise.
Wasted Time
Generic brokers spend weeks educating themselves on childcare metrics, delaying your critical timelines.
Poor Valuations
Without understanding goodwill or occupancy trends, you get low LVRs and terrible terms.
Declined Deals
Complex structures or development finance get knocked back simply because the broker framed it wrong.
Tailored finance solutions for every stage.
First-Time Operators
Securing initial capital and guiding you through the complexities of your first centre.
Learn More
Acquiring a Centre
Fast-tracked funding for freehold or leasehold acquisitions with optimised structures.
Learn More
Expanding Your Group
Development finance and portfolio restructuring to fuel your growth safely.
Learn More
Refinancing
Unlocking equity and securing better rates to improve cash flow across your operations.
Learn More
Nathan Varcoe
Founder & Principal, Ligo Finance
Banking expertise, applied exclusively to childcare.
Before founding Ligo Finance, I spent over a decade inside major Australian banks structuring complex commercial deals.
I saw first-hand how childcare operators were poorly served by a banking system that didn't understand the intrinsic value of goodwill, occupancy rates, and regulatory compliance in early learning.
Ligo was built to bridge that gap. We translate your centre's operational excellence into the financial metrics lenders demand, securing terms that generic brokers simply cannot access.
15+
Years Banking Experience
$200M+
Deals Structured
Your next childcare centre is one conversation away.
Book a free 30-minute discovery call. We'll show you exactly what you can borrow, how to structure it, and which lenders will say yes.