loanLoan
Capital at risk
36
Months
14.0%
apr
Director
guaranteed
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Capital at risk
Director guaranteed
Amount
£
You make
£
Minimum investment is £100
Total return
£
Monthly repayments
£

Based in Chadwell Heath, Little Angels Childcare, a nursery franchise of Monkey Puzzle, provides 1:3 ratio care for babies, tweenies and pre-school children with all the care needed to thrive cognitively through health and tailored curriculum. Their USP is that they have an app (FAMLY) which sends consistent updates to parents, giving them peace of mind through the day. The business is growing and is now fundraising for working capital and expansion to help meet demands.

Providing parents peace of mind through the day by providing leading child care

Growing up with very strong family values, our founder Maryam was brought up in a setting where she was taught that a child’s journey to success starts from a very early age through education. She has worked in the sector and has gained thorough skills needed to set up Little Angels Childcare. Keen on applying her skills and talents in her childcare business, she was able to set up an environment both enjoyable and educational through the Monkey Puzzle franchise.

Our nursery is split into two main areas, our large and open playroom filled with equipment to help sensorial development and our newly renovated sleeping area fit for babies from 3 months to sleep in. We consistently monitor the temperature of the babies to ensure they are comfortable and the integrated glass wall allows us to monitor the children at all times. We even have a dedicated space in our garden with soft artificial grass for the babies to crawl and stumble to their heart's content.

Our USP is that we have an app (FAMLY) which sends consistent updates to parents, giving them peace of mind through the day. This includes: how long their children have slept, what they’ve eaten, photos and videos as well as reports.

All of our team members are fully trained professionals for children ranging from 3 months to 5 years and we follow the Government’s Early Years Foundation Stage (EYFS) framework for our curriculum. We acknowledge that each child is unique and so we cater to each child’s ability to help encourage learning that works for them in order to help them succeed. Our team also takes our children on educational trips in order for them to learn more about themselves and the world around them.

The key areas that we focus on are the following:

- Communication and language
- Physical development
- Personal social and emotional development
- Literacy
- Mathematics
- Understanding of the world
- Expressive arts and design

We also take mental health very seriously and ensure they feel that they are in a safe and secure environment. For each carer, we delegate no more than three children so each child receives as much care as possible. Our nursery is also registered with OFSTED, so our parents feel confident that they are in the right hands.

It has been an incredible journey for us and our business is growing in demand and so we will be fundraising for our expansion and working capital.

Credit commentary:
The director is providing a personal guarantee, this means that if the business fails, the director becomes personally liable for the loan. The director is a homeowner, however, this does not ensure there are sufficient assets should the loan need to be recovered. There have been no CCJs for the business or director. In 2021, admin costs were £446,322 and other operating income was £104,817. In 2022, admin costs were £473,025 and other operating income was £16,492. The admin expenses in the financial table below includes other operating income. There is a monthly commitment on childcare fees which supports affordability in the bank statements. The accounts remain well in credit.

COVID-Resilience:
Initially, the business was closed because of COVID but once they opened up again as restrictions eased, business picked up within a month and customers were happy to arrange care with us and so far we have had no cases at all. Overall, the business itself was not very much impacted as it was an essential need for working parents. Children were still able to develop socially and they currently have 82 children enrolled and more on their waiting list.

X

Business keeps the raised amount even if target is not met.
Loan - product type
Tranche (1 of 5)
£ 106k
Raised
£ 34k
Investors
96
Est close date
Funded 3 months ago in 29 days

Where will the funds go?

Expansion
£53,191
Working Capital
£53,191

Key people

MQ
Maryam Qaiser Khan
Director

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Business brand

Chadwell Heath, UK

"Providing parents peace of mind through the day by providing leading child care"

Incorporated
8 years, 8 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.