About Us

Who is New Zealand Childcare Finance?

Girl Teacher

NZ Childcare Finance is the only New Zealand finance company that specialises exclusively in the early childhood sector and certainly the only one that its owner-operators have owned and worked in their own childcare centres. We understand what you go through on a daily basis.

We are proud of our work and gain great pleasure in assisting childcare centre’s in their quest to provide the best care and education to New Zealand’s next future leaders.

The business is owned and operated by Lena Thomson, who lives in Auckland with her husband and their three children.  Previously, Lena owned and operated a chain of Auckland based childcare centres; and having managed 45 odd staff, 300+ children and around 600 parents, she knows first hand the stress and pressures a childcare centre can create.

Lena has also had previous financial employment with trading banks and small finance companies, so is well equipped to offer financial expertise.

NZ Childcare Finance is in the business of easing financial stress and smoothing cash flows.  We are here to help.

Who is New Zealand Childcare Finance?

Boy Thumbs ups

Other than being proud to be associated with all our clients childcare centre businesses, NZ Childcare Finance is extremely pleased to have close working relationships with two of New Zealand’s leading childcare organisations; the Early Childhood Council and the Office of Early Childhood Education.

Every year we work with childcare centres based in all parts of the country as far north as Kaitaia right down to beautiful Dunedin and Invercargill. The relationships we have built with our clients are strong and personal – we take time to understand their individual needs and work in a collective manner to ensure their financial needs are well catered for.

Partnering with The Office of Early Childood Education

NZ Childcare Finance is very pleased to partner with the Office of Early Childhood Education.

The Office of Early Childhood Education is New Zealand’s early childhood nation-wide network covering all types of early childhood services and organisations including home-based, community childcare, playcentre, kindergarten, childcare centres and not for profit organisations.

As well as supporting early childhood centres, home-based groups, and playgroups its members also include teacher education providers, parents, student teachers, teachers, early intervention specialists, health professionals, policy advisers, researchers and academics.

The Office of Early Childhood Education has the capability to comment on a wide range of issues and disseminate new and unbiased information. The Office of Early Childhood Education practise and reflect high standards and integrity in all of our work.

Working with the Early Childhood Council

NZ Childcare Finance enjoys a close working relationship with New Zealand’s Early Childhood Council.

The primary purpose of the Early Childhood Council is to best represent the interests of independent early childhood centres and to promote the provision of quality early childhood education services.

The Early Childhood Council is the largest representative body of licensed, quality early childhood education centres in New Zealand with more than 1,100 member centres, 30% of which are community-owned and 70% of which are privately-owned. Its members employ thousands of teachers and care for tens of thousands of children.

Member centres range from ten child places to over 150 child places and are spread throughout the country. Membership is voluntary and open to all licensed independent early childhood centres.

Apply Now?


Simply download and read the documents below, complete and email these to us and post us the direct debit authority. We will do the rest.

After we review the application we shall confirm approval with you and transfer funds to your account on the day you need them.

It’s that easy!

Returning borrowers: Loan Application and Agreement – 2 pages

First time borrowers: Loan Deed | GuaranteeDirect debit authority | Loan Application and Agreement