Quick answer: Learning Kids Academy was already approved for SBA financing, but SBA timelines didn’t match their cash-flow calendar. A $400K Flex Line bridged the gap so the school could keep operating while the SBA process finished.
The situation
Learning Kids Academy is a growing Montessori school in Georgia and Florida. They had already been approved for SBA financing to expand, which was the right kind of funding. But SBA timelines don’t always match a business’s actual cash-flow calendar.
While that approval worked through the pipeline, the school needed working capital now: payroll, materials, and day-to-day costs that don’t pause for an SBA closing date.
The solution: a $400K Flex Line
Through our partnership with National Business Capital, we structured a $400K Flex Line to bridge that gap. It gave the school room to operate without pulling from savings or waiting on the SBA process to finish, and without the restrictions that usually come with a line like that.
- Monthly repayment aligned with tuition cash flow
- Uncollateralized and flexible terms
- Access to draws based on real-time need
The takeaway
The SBA funding was still the right long-term fit. It just wasn’t fast enough to solve what was happening that month. Bridge capital and long-term capital aren’t competitors. Sometimes a business needs both, timed right.
If you’re waiting on financing that’s the right structure but the wrong timeline, that’s a very solvable problem. I’m happy to talk through what a bridge could look like for your business.
Michael Fieger
Business Funding Advisor, Partner of National Business Capital
Let’s talk it through
No pressure and no pitch. Tell me what you’re working on, and I’ll tell you what’s realistic.
Talk With MichaelRead the Funding FAQ
Or call 561-316-6218
