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Topic: working-capital(3) Back to Blog

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Childcare centre owner reviewing financial documents and ECE funding contracts with business advisor in modern New Zealand early learning facility

Childcare Business Funding: Turning ECE Contracts Into Working Capital

Luminate

You run a childcare centre. Every fortnight, the Ministry of Education deposits ECE funding directly into your account....

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Asset sale pending but need cash now? Learn how short-term working capital loans bridge the gap between sale agreements and settlements for NZ businesses.

Short-Term Working Capital: When You're Selling an Asset

Luminate

You've made the decision. The business is selling a major asset—equipment, property, a vehicle fleet, inventory, maybe...

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Won a big contract but payment comes later? Discover how contract-based working capital helps NZ businesses fund delivery when revenue arrives at completion or irregularly.

Contract-Based Working Capital: Funding for Lumpy Cash Flow

Luminate

You just won the contract. It's significant—maybe the biggest job your business has ever landed. Six figures, possibly...

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Luminate Financial Group Limited (FSP765531) is a licensed Financial Advice Provider (Class 2 FAP), authorised to provide regulated advice on home loans, commercial and business lending, and specialist finance.

Luminate Finance Limited (FSP449126) is registered under the Financial Service Providers (Registration and Dispute Resolution) Act 2008 to provide consumer credit contracts and non-consumer credit contracts. It is not a licensed Financial Advice Provider and does not offer regulated financial advice. Investment opportunities are available only to investors who meet specific wholesale investor criteria as defined in the Financial Markets Conduct Act 2013. These are not regulated offers and are not open to retail investors.

All lending is subject to credit assessment and responsible lending obligations under the Credit Contracts and Consumer Finance Act 2003. We follow the Responsible Lending Code to ensure loans are suitable and affordable for our clients.

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