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loanLoan
Capital at risk
36
Months
18.0%
apr
Director
guaranteed
Capital at risk
Director guaranteed
Amount
£
You make
£
Minimum investment is £100
Total return
£
Monthly repayments
£

Kids 1st Steps is a Teacher-led private daycare nursery that provides a good early education and childcare experience for children and families. They are based in a purpose-built building boasting all weather outdoor space. Their nursery has celebrated success and its flagship status as one of the only Teacher led nurseries within the area where local families and members of the community continue to support and attend their nursery setting.

Creating learning opportunities every step of the way

At Kids 1st Steps we believe that all our children can succeed and we know that children can achieve this success when they are happy, feel cared for, valued and appreciate their work. This is why at Kids 1st Steps, we are committed to ensuring that every child has the opportunity to fulfil their potential and we take pride in inspiring them to achieve their very best within a happy environment where respect and tolerance for both self and others are embedded. Our unique nurturing and Teaching approach will give your child the opportunity to develop into a joyful, confident learner who is prepared for success in school and life.

Caring relationships based on trust, community pride and respect are the heart of our philosophy. We have a clear vision of what we want to achieve at Kids 1st Steps. The first of our objectives is to provide a safe, happy, caring and stimulating environment for each child. We also aim to promote children to take pride in themselves, their families, their background, and their heritage. Furthermore we work to promote positive social, emotional, and cultural values and enable children to develop their full potential and capabilities as successful learners and responsible citizens. We value all our children and families. We celebrate our rich culture and religious diversity and promote respect. Our ethos “Creating learning opportunities every step of the way” and curriculum promotes Children to be independent learners. Each child is unique and at the heart of our nursery and remains the primary focus of our planning. British values are embedded in our setting and shared with all staff members, parents and visitors.

Kids 1st Steps is a uniquely teacher-led nursery, committed to fostering the best possible environment to shape the youngest minds. We are an affiliate of the Manchester Metropolitan University, and all of our staff are fully first-aid trained with Level 3 paediatric first aid that meets the EYFS requirements. We listen to the children’s and parents’ views and take them into account when planning activities, developing environments, and reviewing children’s progress. Your children are the future, and we hope to guide them to be the best they can be in that future.

Credit commentary:
The company is providing a debenture as well as a personal guarantee from the Director Emma Baxendale, which means should the business fail, and there are insufficient assets within the business to repay the loan, we can look to the director to repay any shortfall on repayment. The director has a medium financial profile, and the company holds an Equifax Report of E. Our credit assessment states a Higher-level risk rate due to several financial aspects from the last two years. Even though the company made a loss last year, for 2023 the company increased its turnover by 51%. Their Debt Service Capacity is above 1, meaning the company can pay the proposed loan. Throughout this year the company has shown a positive and stable Cash Flow. Finally, their EBITDA is sufficient to cover Interest, existing debt payments and the proposed facility. The director can be traced for several years with no issues.

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.

Note: There is a difference in the net profits figures reported in 2021 on companies house with our financials information because we don't include other operating income in the analysis.

X

Business keeps the raised amount even if target is not met.
Loan - product type
Tranche (1 of 2)
£ 54k
Raised
£ 27k
Investors
91
Est close date
Funded 6 months ago in 29 days

Where will the funds go?

Facilities Expansion
£54,348

Key people

Emma Baxendale
Director

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Business brand

Manchester, UK

"Creating learning opportunities every step of the way"

Incorporated
8 years, 3 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.