ABOUT THE AUTHOR
The Client
Learning Kids Academy*, a Montessori school serving families across Georgia and Florida, was in the process of securing SBA financing for expansion while continuing to manage day-to-day operations.
The Opportunity
The business needed immediate liquidity while awaiting the SBA close, without taking on capital that would conflict with plans to refinance in the near future.
The Challenge
The client needed to account for:
- Preserve operational flexibility
- Align payments with tuition cash flow
- Avoid over-capitalization
- Protect SBA finalization
Traditional funding structures created unnecessary pressure and didn’t align with how the business functioned.
Our Approach
National structured a $400,000 Flex Line designed to support immediate liquidity while preserving long-term flexibility.
The structure included:
- Monthly repayment cadence
- Uncollateralized terms
- Flexible draws based on real-time need
This allowed the client to use capital when needed, rather than borrowing excess funds upfront.
The Outcome
With capital aligned to timing and cash flow, the school was able to:
- Maintain liquidity
- Preserve operational breathing room
- Avoid overlapping obligations
- Protect the path to SBA close
Why This Is True Capital
The right capital structure helps a business stay flexible while bigger plans move forward.
Here, the working capital was timed and paced to support operations without disrupting the larger financing.
This is what keeps momentum going.
*Client name changed to protect confidentiality