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loanLoan
Capital at risk
24
Months
16.5%
apr
Director
guaranteed
Capital at risk
Director guaranteed
Amount
£
You make
£
Minimum investment is £100
Total return
£
Monthly repayments
£

Bambinos Boutique Ltd, an award-winning, multi-location daycare, boasts a stellar track record spanning over eight years, led by the top management duo, Keri and Warren Jackson. As trusted Crowd2Fund repeat clients with perfect repayment records, they've cultivated a legacy of excellence in early-year education and nurturing childcare, tailored to the distinctive needs of young learners. They’re offering investors an opportunity to join their growth.

Bambinos Boutique Ltd, where success meets social impact in the realm of childhood development.

As the founder and a busy mother of five, I've experienced firsthand the importance of providing exceptional early years education and care for every child. This passion inspired the creation of Bambinos Boutique Ltd,
an exciting venture born from the success of Little-Bo-Peeps Child-minding, established in 2006. Our journey has been incredibly rewarding, and I'm thrilled by the dedicated team that has propelled us forward.

At the heart of our success lies our commitment to outstanding service and the trust we've earned from parents, caregivers, and industry professionals. We take pride in offering nutritious meals with a pristine 5-star Food Hygiene rating, ensuring the well-being of every child in our care. Our educational approach not only excels but also aligns seamlessly with the Early Years Foundation Stage (EYFS) framework, guaranteeing the highest standards of learning and development. By recognising and celebrating differences, we create an enriching environment that fosters valuable life skills alongside academic progress.In 2016, we were honoured to receive the Step into Quality award, a recognition of our dedication to delivering exceptional childcare and education.

Our philosophy revolves around nurturing each child's uniqueness within a supportive and purposeful environment. Every child is valued as an individual, and we prioritise building strong relationships with each child and their family, fostering their development at their own pace. As we continue to grow, we're seeking investment for expansion and working capital. Join us in our mission to provide outstanding early years education and care, making a difference in the lives of children and families.

Credit commentary
The directors Keri and Warren Jackson are providing a personal guarantee, which means should the business fail and have insufficient assets within the business to repay the loan, we can look to the guarantor(s) to repay any shortfall on repayment. There have been no CCJs for the business or director. Our assessment of risk is There have been no CCJs for the business or director. The Equifax score and grade, which we use to assess risk, are based on the 2022 accounts. The funds will be utilized to repay the loan from Swish Fund, and the total indebtedness will not increase. C2Fs policy allows up to 67% of the advance to refinance debt, but we have made an exception in this case since the customer is an existing one. As agreed with the directors, the C2F loan will directly pay off the Swish Fund Loan and with reduced payments, it will improve the business’s cash flow, limiting the risks to C2F investors. While both directors are homeowners, this does not guarantee that there are sufficient assets for loan recovery. We have discovered that personal indebtedness and guarantees for loans made to the business will not be covered by the equity in the director’s property. This is a credit policy exception, but it is mitigated by the fact that the customer has a high level of debt serviceability.

Inflation risk
As the majority of lending to the business is at a fixed rate, they will not be immediately affected by interest rate increases.

X

Business keeps the raised amount even if target is not met.
Loan - product type
Maximum
£ 87k
Raised
£ 87k
Investors
182
Est close date
Funded 1 month ago in 24 days

Where will the funds go?

Debt settlement
£86,957

Key people

KJ
Keri Jackson
Director
WI
Warren Ian Jackson
Director

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Business brand

Clitheroe, UK

"Bambinos Boutique Ltd, where success meets social impact in the realm of childhood development."

Incorporated
9 years, 11 months
Credit risk indicator

Risk warning

Past performance and forecasts are not reliable indicators of future results. Your capital invested is not covered for compensation in the event of a loss by the FSCS. Tax treatment will depend on the individual circumstances and may be subject to change. Please see our Risk section before making an investment decision.