About Charter School Capital

We’ve been helping charter schools reach financial stability and grow for over ten years. We’ve served some of the largest charter organizations in the country while also serving some of the smallest schools just starting out. No matter what size you are or what stage of growth you are in, we’d like to customize a solution to fit your needs.

Each client is assigned a dedicated Client Services Representative, Account Manager, Financial Analyst, and an Underwriter to provide the best service in the business.

It depends on the needs of the school (stabilization v. growth); some schools have simple, individual project needs; and some schools have grown into large networks and have been clients for years as we’ve funded their growth.

Give us a call (toll free) at 877.272.1001 and one of our Client Services Representatives will walk you through the prequalification and application process. Should our programs align with the needs of your school, you’ll fill out a brief online application and we’ll collect additional documentation as needed.

Our documentation requirements start with your charter and your financials. Your Client Services Representative will guide you through the process.

In a receivables sale transaction, Charter School Capital purchases state aid payments that are due to the charter school from the state and, in exchange, provides funding to the school in advance of the state payment distribution date.

Charter School Capital assumes the timing risk if the state delays the distribution of the payments that are due to the school. There are no additional costs to the charter school in the event the state delays payments.

As a responsible capital provider, we have access to reliable capital from private funding sources, assuring we can always support your needs.

No, we do not require a personal guarantee.

We charge a discount rate. The discount rate is determined by market-related factors including, but not limited to: short-term interest rates, the type of receivable being sold, the time the receivable is outstanding, the credit profile of the school and market rate returns for similar investments.

We can sometimes fund in 10 business days for an emergency, but your first funding normally takes four weeks. After your first funding, it typically takes two weeks to fund. Our in-depth process and procedures ensure that we finance charter schools ethically and responsibly.

Yes, we have schools that leverage both our working capital and facilities financing.

We purchase buildings and lease them back to charter schools. A long-term lease can provide security and flexibility with relatively little cash up front, compared to other facilities financing options like bonds or other ownership options.

Our product availability varies with state charter laws. In addition to our working capital and facilities financing, we also can provide:

• Loan products in select states
• Growth funding
• Capital expenditure funding
• Gap funding
• Help with access to grants and donations
• Marketing support
• Charter school informational resources (webinars, blog posts, guides, etc.)

1. We’re mission-driven and 100% dedicated to the charter school space.
2. Unlike traditional lenders like banks, we work with you to solve the unique challenges you face.
3. We are dedicated to financing schools ethically and responsibly.
4. Your success is our success. Our goal is to help your school become financially stable, successful, and set up to serve more students.