A well-established school and daycare provider operating 23 locations faced a critical moment of growth. With plans underway for a 24th location, the business needed short-term capital to ensure construction stayed on schedule—without compromising day-to-day operations at their existing facilities.
Vision
The school’s leadership envisioned continued expansion without disrupting ongoing operations. Their goal was to complete the new site build-out while keeping their current locations fully staffed and functioning smoothly. To do this, they needed to avoid draining their own capital, which could impact cash flow and risk delays.
Opportunity
The launch of the 24th location represented a major opportunity to boost future revenue and continue their growth trajectory. Completing the project on time would not only increase enrollment capacity but also reinforce the organization’s position as a leader in early education across the region.
Challenge
Cash Flow Pressure
Using internal funds for the build-out strained operational liquidity.
Risk of Delays
Without outside capital, progress on the new location could slow, jeopardizing the project timeline.
Operational Demands
The business needed to maintain service levels across all 23 existing locations during the expansion.
How Fora Financial Helped
Fora Financial stepped in with a $500,000 working capital solution to bridge the six-month gap in funding. The capital ensured uninterrupted operations across the business and allowed the owners to maintain momentum on the new build-out. Fora also structured the funding with a prepayment discount, reducing the cost of capital for this short-term need.
Results
Operational Continuity
The company maintained smooth operations at all 23 locations.
On-Time Build-Out
The 24th location progressed without delays, keeping long-term growth plans intact.
Cost Efficiency
By leveraging Fora’s prepayment discount, the business minimized financing costs.
Conclusion
Fora Financial delivered a timely and cost-effective funding solution that enabled the business to continue growing without sacrificing stability. By alleviating immediate financial pressure, the owners could focus on their expansion plans with peace of mind.
Why Fora Financial
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Fast, Flexible Capital
Fora provided the right amount of funding when it was needed most.
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Cost-Saving Structure
The prepayment discount aligned perfectly with the company’s short-term financing goals.
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Trusted Partnership
Fora offered a tailored solution to help the business sustain momentum without compromise.