loanLoan
Capital at risk
36
Months
14.0%
apr
Director
guaranteed
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.

Inflation risk:
The business advised that they are not affected by higher input costs. As the majority of lending to the business is at a fixed rate, they will not be immediately affected by interest rate increases. The directors do not expect to draw money from the business all capital is vital for the growth of the business. Little Angels Childcare advised that they are less likely to be impacted by inflationary pressures as demand has now increased and there is now a waiting list for new starters as more people are working longer hours and are in need of childcare.

X

Business keeps the raised amount even if target is not met.
Loan - product type
Tranche (5 of 5)
£ 30k
Raised
£ 3k
Investors
24
Est close date
18d 23h

Where will the funds go?

Expansion
£15,078
Working Capital
£15,078

Key people

MQ
Maryam Qaiser Khan
Director

Got a question for the business?

For more information on the business, please login and ask them a question directly.Sign in to Ask

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.